Official Site of The State of New Jersey
Division of Pensions & BenefitsPlease see Important COVID-19 Information for changes in service at the Division of Pensions & Benefits.
MBOS is your most useful resource for getting accurate, up-to-date information about your pension and health benefits accounts.
If you need to register for MBOS, view the MBOS Registration Instructions
If you need help logging on to MBOS, view MBOS Logon Help
If you are a retiree, please view the MBOS Retired User's Information Guide
Part 1
Part 2
Part 3
When you log on, your MBOS Home Page will open in the Web browser.
Here you can link to all of the MBOS Applications that are currently available to active members.
You will find buttons that open the MBOS Applications. These applications provide information about your pension account and link you to benefit calculators and online application forms. Additional information about using these applications is provided in the next section.
Note: Access to MBOS applications is based upon the benefits provided to you through your employer. Therefore, not all applications are available to all members.
This online help page is available by clicking the "MBOS User Guide" button located on the right side of your MBOS Home Page.
Members with Multiple User Roles
If you have MBOS access to other pension fund accounts or employer access to the Employer Pensions and Benefits Information Connection (EPIC), you will need to select the "user role" you wish to open each time you log on to MBOS or EPIC.
When you are logged on to MBOS or EPIC you may click the "Select Different Role" button to leave the current MBOS session and access your other accounts or user roles.
All of the MBOS applications contain navigation buttons at the top of the page that allow you to:
Change email address through MBOS is currently unavailable. Requests for email address changes must be made by calling the NJDPB at 609-292-7524.
If you are having difficulty registering for MBOS or logging on to your existing MBOS Account, see the detailed MBOS Registration Instructions and the MBOS Registration Help page.
Registered users who still have questions about or difficulty using MBOS Applications after reading the information in this User's Guide should contact the Division's MBOS Help Desk at 609-292-7524 or send an email.
For additional assistance, please view the videos “Solving MBOS Login Issues Part 1” and “Solving MBOS Login Issues Part 2” in the Member Video Library.
The Personal Benefit Statement application allows you to view information about the status of your personal pension account and related benefits.
To access to the application, click the "Personal Benefit Statement" button on your MBOS Home Page.
The video “Understanding Your Personal Benefits Statement” in the Member Video Library will provide further information and details.
The Payroll Certifications application allows you to view Certifications of Payroll Deductions issued to you by the Division of Pensions and Benefits. Payroll certifications are issued to authorize the start of pension deductions when you are newly hired, for back deductions due to the Division, pension loan payments, or arrears/purchase payments.
To access the application, click the "Payroll Certifications" button on your MBOS Home Page. On the page that opens you can request all certifications or choose only a specific certification (loans, back deduction, etc.).
The total number of records available for viewing will be listed in the bottom right table cell.
Available certifications are presented in groups of up to five at a time (if more than five certifications are available, navigation buttons to go to the "Next" or "Previous" part of the certification list will be active). Past certifications are archived for up to two years.
To view a specific certification, click on the check box that corresponds to the certification you want and then click on the "Details" button. You may also request to view more than one certification by clicking on several check boxes (or click the "Select All" box to view all certifications from this search).
Selected certifications are presented one at a time. Navigation buttons will allow you to go to the "Next" or "Previous" selected certification.
The Pension Loan application allows you to see how much you may borrow from your pension account, view estimates of different loan and/or repayment amounts, and — if you wish to — submit an online request for processing of a pension loan check.
Note: You must have at least three years of pension membership credit posted to your pension account to be eligible for a pension loan. You can borrow from your pension account two times within a calendar year and request up to one-half of the contributions you have posted to your pension account (or a maximum loan balance of $50,000, whichever is less). See the Pension Loans web page for information about the present loan interest rate and administration fee.
For further information, please view the video “Applying for a Pension Loan” in the Member Video Library.
The Statements and Letters application allows you to send statements or letters to yourself or a third party.
To access the application, click on the "Statements and Letters" button on your MBOS Home Page.
On the page that opens, first select whether to send the letter to yourself - "Letter to Me" - or send a "Letter to a Third Party".
Next, choose the type of statement or letter you wish to send from the drop down menu.
Statement and Letter options include Health Benefits Confirmation, Loan Payoff, Retirement Estimate, Account Statement, and Mortgage Verification.
Enter the address where you wish the statement or letter to be sent.
An optional field for a copy sent by fax is also available.
Additional information is requested for letters to a third party.
Complete the information on the form and click "Submit".
You will see a Confirmation page that your request was successfully submitted.
When you are finished, click on the "Home" button at the top of the page to exit the application and return to your MBOS Home Page.
The Purchase Calculator application allows you to estimate the cost of a purchase of additional service credit.
Note: The Purchase Calculator is only for estimating the cost of a purchase. To apply for the actual purchase of additional service credit, use the Purchase of Service Credit application.
For information and instructions regarding how to estimate the cost of a Purchase, please view the video “Purchasing Service Credit for PERS, TPAF, and PFRS Members” in the Member Video Library.
The Purchasing Service Credit Fact Sheet also provides additional details.
The Purchase of Service Credit application allows you to submit a request for the purchase of service credit directly to the Division of Pensions and Benefits or view the status of a previously submitted request.
For information and instructions regarding how to apply for a Purchase using MBOS, please view the video “Purchasing Service Credit for PERS, TPAF, and PFRS Members” in the Member Video Library.
The Purchasing Service Credit Fact Sheet also provides additional details.
The Purchase Authorization application allows you to authorize the purchase of service credit directly to the Division of Pensions and Benefits. To access the application, click the “Purchase Authorization” button on your MBOS Home Page.
The page that opens will show the “Terms of Agreement” for authorizing a purchase of service credit.
If you click the “Agree” button, the next page that opens shows the service credit you are able to purchase.
Click “Continue” and the following screen allows for changes to the payment or the service period.
Once you are satisfied with the payment arrangement and/or service period, click the “Submit” button. You will be asked to verify your submission. You must click “OK” to continue.
The next screen confirms your authorization. You will see “CONGRATULATIONS” at the top of the page and any changes you may have made to the payment or service period will be reflected on this page.
On this same page you will be asked to “Print” this confirmation at the bottom of the page.
To access the application, select the “Online Document Submission” button on your MBOS Home Page.
The next screen gives you instructions and lists the types of files that you may upload (e.g., .pdf, .jpg, etc.). When ready, click the “Continue” button.
On the next screen, select the “Business Unit” from the dropdown menu ( e.g., Retirements).
Select the type of document you wish to submit from the next dropdown menu (e.g., Birth Evidence). You may only submit the types of documents listed.
From there, click the “Select file” button to search your computer for the document file that you wish to upload. Choose the file and then select “Open” to attach.
Click the "Start Upload" button to upload your file to the NJDPB.
You will see an onscreen confirmation when your upload is complete. Only one file may be uploaded at any time (although a pdf file may contain multiple pages); if you have additional documents to upload, repeat the steps listed above. Once you receive the confirmation, the document(s) are available for review and approval by the NJDPB. Please do not also mail or FAX the document(s).
The "Retirement" button on your MBOS Home Page opens a menu of online retirement sub-applications for MBOS users. These include the Retirement Application, Retirement Estimate, and Retirement Application Status sub-applications.
For further details regarding how to apply for retirement on MBOS, please view the video “Reviewing a Retirement Application” in the Member Video Library.
The Retirement Calculator application allows you to estimate how much you may be eligible to receive at retirement for any retirement date up to two years in the future.
The video “How to Run a Retirement Estimate for PERS and TPAF Members” in the Member Video Library provides details and instructions regarding how to utilize this MBOS application.
Note: All calculations are ESTIMATES ONLY and are based on service and salary information currently posted to your pension account by the Division of Pensions and Benefits.
The online Retirement Application allows you to apply for retirement with the Division of Pensions and Benefits.
Note: Paper retirement applications are not accepted. All retirement applications must be submitted using MBOS.
(To view the status of an already submitted application, see "Retirement Application Status")
The first part of the Retirement Application is the same for members of all retirement systems. The second part of the application differs for PERS/TPAF members and PFRS/SPRS members and are described separately in the later sections of these instructions.
To access to the application, click the "Retirement" button on your MBOS Home Page and then the "Retirement Application" button on the MBOS Retirement Sub-Application Menu.
Terms and Conditions
The first page of the Retirement Application presents the "Acknowledgement of Terms and Conditions of Retirement." To continue, you must read and agree to the "Terms and Conditions."
After you agree to the "Terms and Conditions" of retirement, you will have an opportunity to obtain an Estimate of Retirement Benefits — if you have not already done so.
Obtain an Estimate
Before applying for retirement, you should obtain an Estimate of Retirement Benefits and consider the pension payment options available to you — and to any beneficiary. The online Retirement Application provides a link to the Retirement Estimate Calculator.
Member Information
The Member Information page asks about you, the member. Please complete all of the requested fields.
After you have entered all of the information for this page, click the “Continue” button.
Retirement Type
On the Select Retirement Type page, enter your “Retirement Date” and “Retirement Type”.
Because all retirements begin the first day of the month select only the retirement Month and retirement Year from the drop down lists. Then select your “Retirement Type” by clicking a selection button. Only ONE type of retirement may be selected.
Note: Click on the “question mark” icon next to “Retirement Type” to open a page with detailed explanations of each type of retirement.
If you select Ordinary Disability or Accidental Disability Retirement, a field will open where you should enter additional information about your disability. Please note that all disability retirement information submitted to the Division is kept strictly confidential.
You must also answer the question about any pending purchase of service credit.
PERS and TPAF members must also answer the question about the last or highest years of salary.
After you have entered all of the information for this page, click the “Continue” button.
Note: The next pages of the application differ depending upon your retirement system. The PERS and TPAF are discussed first with the PFRS and SPRS following.
The Option Selection page will open. You will need to select a pension option and name your pension beneficiary.
When the pension option and pension beneficiary section is completed, click the "Continue" button at the bottom of the page and you will go to the Life Insurance Beneficiary page.
The Marital Status page will open. List the name and other requested information as appropriate for your spouse, civil union partner, or eligible same-sex domestic partner. (If you are single or divorced, select “None of the Above”.)
On a following page you will also be asked to list information for any dependent children.
Life Insurance Beneficiaries (all retirees)
On the Life Insurance Beneficiary page you are required to list information about one or more beneficiaries for any Group Life Insurance payable upon your death.
When you have entered all of the information for this page, click the “Continue” button.
View Summary and Submit Application
All of the information needed for the Retirement Application should now be entered, and you will be shown the Summary Page.
Please review the summary information and selections carefully as this is what will be submitted to the Division of Pensions and Benefits to begin processing your retirement.
You will see a Confirmation Page indicating that the application has been submitted successfully. At the top of the Confirmation Page, there is a link to a “Printable Version” of the Summary Page information. You should click this link and print a copy of the summary information for your records.
You will also receive a separate email confirmation that the application has been submitted successfully.
To exit the application, click the "Home" button near the MBOS page header.
After an online Retirement Application has been submitted (but before the retirement date) MBOS users are permitted to change the retirement date, type, or option by canceling their application and submitting a new one.
The video “Reviewing a Retirement Application” in the Member Video Library provides further details.
The Designation of Beneficiary application allows you to review and, if desired, change your designated beneficiary(ies) for any payments upon your death for Group Life Insurance and/or Pension account funds.
For detailed information and instructions regarding beneficiary designation, please view the video “Designating a Beneficiary for Active Members” in the Member Video Library.
The Application for Withdrawal allows members who have terminated employment (but who have not applied for retirement) to withdraw their contributions from the retirement system. Before completing the Application for Withdrawal, please read the information about withdrawal in the Withdrawal from the Retirement System Fact Sheet and on the Frequently Asked Questions About Withdrawal page.
Please note:
The video “Withdrawal from the Retirement System” in the Member Video Library provides information and instructions regarding how to apply for Withdrawal using MBOS.
Clicking on the "Deferred Compensation Information" button takes you directly to the New Jersey State Employees Deferred Compensation Plan (NJSEDCP) website.
On the NJSEDCP website you can find your personal Deferred Compensation Plan account information, investment information, and forms and other publications that relate to the NJSEDCP. The NJSEDCP and its website are administered for the State of New Jersey by the Prudential Insurance Company.
The Supplemental Annuity Collective Trust (SACT) Plan Information application allows you to view SACT account information if you participate in SACT.
To access to the application, click the "Supplemental Annuity Collective Trust" button on your MBOS Home Page. The page that opens will show account information current as of the last quarterly posting by the Division of Pensions and Benefits.
By clicking on the "SACT Unit Values" box, you can access the unit values of the investment fund for the past quarter.
State Health Benefits Program (SHBP) & School Employees' Health Benefits Program (SEHBP)
The Health Benefits Programs application allows you to view health benefit account information for you and your enrolled dependents, if enrolled in the State Health Benefits Program (SHBP) or the School Employees' Health Benefits Program (SEHBP).
To access the application, click the "SHBP/SEHBP" button on your MBOS Home Page.
From the "Subscriber/Eligibility" page, select your account by clicking on the "Employer ID" number.
The page that opens will show your Eligibility Summary, Coverage Information, and Dependent Information.
To view the history of your SHBP/SEHBP account, click the link "Click here to view coverage history".
The following information will appear:
Clicking the "Next" button will show additional pages of coverage history.
To return to the Eligibility Summary screen, hit the "Back to Subscriber Information" button at the bottom of the Previous Coverage page.
Dependent Information
To view details about a dependent's coverage, click on the linked name of a covered dependent.
Information about the dependent's coverage will appear:
Click the "Next" button to view additional Dependent Detail.
To return to the Eligibility Summary screen, hit the "Back to Subscriber Information" button at the bottom of the Dependent Detail screen.
Retirement Application Status
If you have applied for retirement, the Retirement Application Status application allows you to check the status of your application.
To access the application, click the "Retirement" button on your MBOS Home Page and then the "Retirement Application Status" button on the MBOS Retirement Menu Page.
The page that opens will show the date the retirement application was received by the Division of Pensions and Benefits, the retirement date, and the date of receipt of the employer's Certification of Service and Final Salary.
If available, the list will also include the date the quote letter was prepared and mailed and the date the retirement will be presented for approval to the pension fund's Board of Trustees.
The Electronic Funds Transfer (EFT) application allows you to set up EFT or direct deposit of your pending monthly pension payment.
To access the application, click the "Electronic Funds Transfer" button on your MBOS Home Page. The page that opens will ask if you wish to begin a new EFT Authorization. Click the "New EFT Authorization" button to begin the process.
A page will open with form fields and detailed instructions on how to enter your bank information.
Please check that the requested information is correct and click the "Continue" button. A Summary page will follow that displays the bank and account information.
To make any corrections, click the "Back" button. Otherwise, click the "Submit" button to complete processing of your EFT request. A final confirmation page will be shown.
Click on the "Home" button at the top of the page to exit the application and return to your MBOS Home Page.
Related Videos - to see more videos, please refer to our video library
Retirement Types, Eligibility & Calculations
Designating a Beneficiary for Active Members
Solving MBOS Login Issues Part 1
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