MainePERS · Buying service credit

MainePERS years you can add

Some time you didn't spend in the Maine Public Employees Retirement System, State Employee and Teacher Retirement Program can be bought as service credit. Each year adds to your benefit and can help you reach 25 years.

Maine specificsEach year you buy adds 2% of your average final compensation: $1,200 a year on $60,000. Bought years can also bring you to the 25 years that let you retire before normal retirement age (see early retirement). The math is on the formula page; add the years in the calculator to compare.

There are specific eligibility and verification requirements for each purchase; contact MainePERS Retirement Services. Handbook p. 8, Additional Service Credit Available For Purchase

Buying service credit (MainePERS)
ServiceWhat it isMost you can buy
Active militaryActive duty before you became a member4 years
Out-of-stateService for a state other than Maine10 years
Non-contributory MainePERSMainePERS-covered work before you became a memberno limit
RefundedMainePERS service you previously refundedno limit
Private/parochial teachingTeaching in a parochial school or public or private academy10 years
Teacher prior serviceMaine public school teaching before July 1, 1947no limit
Non-military federal serviceNon-military public employment with the U.S. government5 years
Head StartWork in a Maine Head Start program2 years
CETAEmployment under the Comprehensive Employment and Training Actno limit
VISTAVolunteers in Service to America2 years
Fulbright ExchangeFulbright Exchange Program2 years
Peace CorpsPeace Corps2 years
Foreign teachingTeaching children of U.S. Foreign Service or armed forces personnel2 years
Teacher's aideTeacher's aide or Ed Tech I in Maine public schools before becoming a teacherno limit

Handbook p. 8, Additional Service Credit Available For Purchase; 5 M.R.S. §17754, §17760(3)-(5), §17763, §17764

Handbook vs. FAQ Check with MainePERS

The handbook's purchase table lists Head Start at 2 years and non-military federal service at 5 years. The Active Members FAQ lists Head Start at 'No Limit' and 'Federal Service' (the federal employment service before it returned to state control) at 'No Limit'. We follow the handbook; the 5-year federal limit matches PL 2025, c. 206.

Handbook p. 8; MainePERS Active Members FAQs; Legislative Update (July 2025) p. 2

PL 2025, c. 206 lets members buy up to five years of non-military federal service at actuarial cost. Legislative Update (July 2025) p. 2

Cost

No cost tables are published; MainePERS quotes each purchase. MainePERS accepts tax-deferred direct rollovers to pay for service credit purchases. MainePERS Active Members FAQs, Can I roll my 401(k) funds into my MainePERS account?

What a year adds (our numbers)Each year of service adds 2% of your average final compensation a year: $1,200 a year ($100 a month) on a $60,000 AFC, before any early cut. Handbook pp. 16-17, How MainePERS Determines Your Service Retirement Benefit

Your retirement age

If before July 1, 1993 (or July 1, 2011) you were eligible to buy enough service to reach 10 (or 5) years and you buy it before you retire, your NRA is 60 (or 62). Handbook p. 15, Note Which group am I in?

Credit you don't buy

Up to 5 years of military service if you left to serve and return within 90 days of discharge; up to 30 days a year for an unpaid leave of absence; up to 90 days of unused, unpaid sick and/or vacation leave at final termination; sabbatical credit at twice the fraction of salary paid. Handbook p. 7, Receiving Additional Service Credit; 5 M.R.S. §17760(1); §17756

From the sources

Questions

What service can Maine teachers buy?

Among others: active military before you joined (up to 4 years), out-of-state service (up to 10), private or parochial teaching (up to 10) and service you refunded.

How much does it cost?

No cost tables are published; MainePERS quotes each purchase. MainePERS accepts tax-deferred direct rollovers to pay for service credit purchases.

Can buying service change my retirement age?

If before July 1, 1993 (or July 1, 2011) you were eligible to buy enough service to reach 10 (or 5) years and you buy it before you retire, your NRA is 60 (or 62).

Try more years in the calculator →

Source: MainePERS Benefits for Teachers: Teacher Member Handbook, 2026, pp. 7, 8, 15, 16-17. Also: Legislative Update (July 2025); MainePERS Active Members FAQs; 5 M.R.S. §§ 17754, 17756, 17760, 17763, 17764. Last reviewed .