• Your partners in planning

    New employee?
    If you first began working for a Michigan public school July 1, 2010 through September 3, 2012, you’re a member of the Pension Plus plan. Your website is www.mipensionplus.org. If you first began working for a Michigan public school on September 4, 2012, or later, you’re a member of either the Pension Plus plan or the Defined Contribution plan based on your election when you first started working. Contact your HR office if you need to review your election.

    Welcome to the ORS website for members of the Michigan Public School Employees Retirement System who began public school employment before July 1, 2010.

    Throughout your working career, your employer takes care of your pension plan deductions, wage and service records, and plan contributions. Regular reports are sent to ORS to become part of your personal pension record. When it's time to retire, your employer hands off all your final records to ORS, and we become your partner in retirement.

What's New

  • Holiday Office Closures

    Our office will be closed on the following dates:

    • November 24 & 25, 2016 - Thanksgiving 
    • ​December 23 & 26, 2016 - Christmas 
    • December 30, 2016 & January 2, 2017 - New Year's 

    State office closings for holidays are regulated by the Michigan Department of Civil Service Regulation 5.08. Public Act 124 of 1865 is the Michigan law governing official state holidays.

    Published November 16, 2016

  • New Tool Helps Retirees Who Are Returning to Work

    You can use the Pension Impact Estimator to determine what effect, if any, working after retirement has on your pension. This tool is designed so that you answer a series of questions and, at the end, receive an answer as to how your pension is impacted by your work. Use this tool before returning to work, or while you’re planning your retirement strategy. 

    working after retirement pension impact estimator

    Published November 14, 2016

  • Join us for an Open House

    ORS staff along with Voya representatives will host open houses in locations around the state in the days leading up to and during National Retirement Security Week. Each event will offer valuable information about the 401(k) and 457 Plans, refreshments and giveaways. ORS staff will also be available to answer questions about defined benefit plans.

    Tuesday, October 11, 9 a.m. - 1 p.m.
    Quality Inn & Suites, 2603 N. Lincoln Rd., Escanaba

    Wednesday, October 12, 9 a.m. - 1 p.m.
    Park Place Hotel, Courtyard I & II, 300 East State St., Traverse City

    Monday, October 17, 9 a.m. - 1 p.m.
    Constitution Hall, Atrium, 525 W. Allegan St., Lansing

    Tuesday, October 18, 9 a.m. - 1 p.m.
    Muskegon Community College, Room 1200, 211 S. Quarterline Rd., Muskegon

    Thursday, October 20, 9 a.m. - 1 p.m.
    DoubleTree by Hilton Bay City Riverfront, Davidson Room, One Wenonah Park Place, Bay City

    Friday, October 21, 9 a.m. - 1 p.m.
    Cadillac Place, First Floor, Room L-150, 3068 W. Grand Blvd., Detroit

    Published October 3, 2016

  • Member Healthcare Education Seminars

    Starting on Oct. 11, ORS will hold member benefit seminars across Michigan, Florida and Arizona. The purpose of these seminars is to help members learn more about their healthcare plans and receive health and wellness information. For dates, times and locations, view the Michigan flyer. View all locations here.

    Published September 20, 2016

  • State appeals ruling on PA 75 and 3% healthcare contributions

    Yesterday the state filed a formal request to the Supreme Court to hear an appeal of the Court of Appeals (COA) ruling on PA 75 and the 3 percent healthcare contributions for public school employees. In June, the COA ruled that PA 75 was unconstitutional and ordered the refund of contributions that had been deducted from public school employees pay during the period the statute was in effect (2010 to 2012). In the meantime, the contributions at issue are being held in an escrow account pending a final decision of whether they should be applied to the healthcare trust, along with other member and employer contributions, to provide investment funding for retiree healthcare.

    Published July 20, 2016

  • Court of Appeals rules on PA 75

    Today, the Michigan Court of Appeals ruled on PA 75 and the 3% healthcare contributions that are being held in escrow for public school retirees. The court remanded the ruling back to the trial court, and we are waiting on an order from the trial court to proceed. For updates, please stay tuned to our website and Facebook.

    Published June 7, 2016

  • Working After Retirement Rule Changes

    PA 219, a law changing some rules for public school retirees who return to work at a Michigan public school reporting unit after beginning their pension, was signed into law by the governor on December 16, 2015 with immediate effect. This page on Working After Retirement now reflects the current rules.

    Published January 20, 2016

  • Form 1095-B is Coming Soon - Updated 1/29/16

    The Office of Retirement Services announced on January 12, 2016, that everyone enrolled in our retiree non-Medicare PPO health care plan (administered by Blue Cross Blue Shield of Michigan) would receive Form 1095-B in the mail by January 31, 2016. The 1095-B forms will now be in the mail by February 5, 2016, and you should receive your form about 3-5 business days after they hit the mail.  We apologize for the delay.

    Information and instructions will be included with the 1095-B form. For specific guidance on information found on the 1095-B statement, contact your tax professional or the IRS. 

    January 12, 2016 Everyone enrolled in our retiree non-Medicare PPO health care plan (administered by Blue Cross Blue Shield of Michigan) at any time in 2015 will receive Form 1095-B in the mail from the Office of Retirement Services by January 31, 2016.  Health Maintenance Organizations (HMOs) and Medicare are responsible for providing Form 1095-B to anyone covered by either of those entities.

    Form 1095-B is a health coverage statement, required by the Internal Revenue Service (IRS). The form is used to report health coverage of individuals who meet minimum essential coverage standards to the IRS on income tax returns. It is your responsibility to make copies of the 1095-B form for your spouse and/or dependents.  For specific guidance on information found on the 1095-B statement, contact your tax professional or the IRS. 

    The IRS has published some general questions and answers about the new health care reporting forms, including what to do with them.

    Published on January 29, 2016

  • Working After Retirement Rule Changes

    PA 219, a law changing some rules for public school retirees who return to work at a Michigan public school reporting unit after beginning their pension, was signed into law by the governor on December 16, 2015 with immediate effect. We at ORS are currently reviewing the new law and will post the changes to the Working After Retirement page as soon as they become available. Check back with this page within the next couple of weeks for updated content.

    Published December 16, 2015

  • Redesigned Insurance Section

    Your Insurance Benefits has been reorganized to better serve you. Section headings are clearer so you can more easily find information you need about enrollment, eligibility, and rates. There's also more information about Medicare, the routine certification processes including verification of coverage, and the Personal Healthcare Fund for those with this retiree healthcare plan.

    Published September 28, 2015

  • 2016 Insurance Rates Available

    Everyone enrolled in public school retiree insurance as of August 27 will be mailed personalized information about their rates and subsidy levels the week of September 28, 2015. Updated Insurance Options Summary information will be available before December 1, 2015.

    The insurance rates for public school retirees who retired after January 1, 2013 and for retirees who were not age 65 as of January 1, 2013 are available online. View the rates now.

    Published September 28, 2015

  • Update: U.S. Supreme Court Ruling on Same-Sex Marriage

    The U. S. Supreme Court ruling of June 26, 2015 recognizes the marriages of same-sex couples. If you have been recently married, or will be getting married, as a result of this ruling—or if you were previously legally married in a state that recognized same-sex marriage—ORS can help answer questions about your pension and insurance benefits. The easiest way to contact us is to log in to miAccount and send a secure message using the miAccount Message Board. Please be as specific as you can. We’ll research your account and get back with you with answers to your questions and suggestions as to what you need to do next.


    Published July 2, 2015

  • Michigan Supreme Court Action on PA 75 and 3% Healthcare Contributions

    Yesterday's Michigan Supreme Court action will result in the 3% retiree health care contributions for public school employees continuing to be held in escrow. In the court action, the Supreme Court ruled to send the PA 75 case, which deals with the 3% retiree health care contributions made by public school employees prior to 9/4/2012, back to the Court of Appeals. The Supreme Court further directed the Court of Appeals to reconsider the case in light of the ruling on the PA 300 case, which upheld the constitutionality of the 3% retiree health care contributions made by public school employees after 9/4/2012.

    Published July 1, 2015

  • U.S. Supreme Court Ruling on Same-Sex Marriage

    The U. S. Supreme Court decision announced on Friday June 26, 2015 officially recognized same-sex marriages in all 50 states. We are working with the Michigan Attorney General's office and will post more specific information very soon.

    Published June 26, 2015

  • PA 300 Supreme Court Ruling

    The Michigan Supreme Court issued a ruling on April 8th regarding the pension and retiree healthcare elections provided under PA 300 of 2012. The Supreme Court has held that elections made pursuant to that Act (regarding members' elections to participate in and contribute to the retiree healthcare and defined benefit pension plans, respectively) are constitutional. Therefore, ORS will continue to recognize - and give effect to - elections made by members under that Act, and will calculate benefits accordingly.

    This decision, however, does not impact the mandatory 3% retiree healthcare contributions made by members (from July 2010 until September 2012) under PA 75 of 2010. It is anticipated that the Supreme Court will be issuing an order in the near future that specifically addresses the constitutionality of that provision. Until that time, ORS will continue to hold members' contributions in escrow, and will provide additional information to members and reporting units as soon as the Supreme Court renders a decision.

    Published April 9, 2015

  • 2015 Insurance Rates and Options

    Insurance rates will be mailed by December 10, detailing how much you can expect to pay for insurance in 2015. The change will be reflected starting with your January pension payment. The 2015 insurance options summary is also available by clicking here.


    Have questions about your insurance plan not covered by the Insurance Options Summary? Carriers typically send the annual notice of change and other materials for the upcoming year in November or December. These materials should help you better understand your plan. Should you have further questions please use the chart below to determine who to contact.

    Topics Who to contact
    Covered Procedures
    In-Network vs. Out-of-Network
    Plan changes for 2015
    Your insurance carrier
    Enrollment Questions
    Eligibility Questions
    Office of Retirement Services

  • Court of Appeals Rules on 4% MPSERS Contribution

    A unanimous panel of the Court of Appeals ruled that a 2012 law requiring teachers and other public school workers to contribute to their retirement plans was constitutional. The court upheld an earlier finding by the Court of Claims that allowed the measure, PA 300 of 2012, to stand. Under the law, teachers who remained in the basic retirement system began contributing 4 percent of their salary to their pension.

    At this time, we don’t have updates on any court decisions regarding the 3% healthcare contribution.

    Published on January 15, 2014

  • UPDATE - Defined Contribution (DC) plan and Personal Healthcare Fund accounts

    If you first worked before September 4, 2012, and elected to switch to the DC plan or elected the Personal Healthcare Fund, your State of Michigan 401(k) and 457 Plan accounts will be set up with Voya Financial® as of your transition date - the exact date depends on your school district's payroll cycle. You will receive the password you'll need to manage your accounts by early April. If you have any questions related to your State of Michigan 401(k) and 457 Plan accounts, contact Voya® at 800-748-6128.

    Published March 12, 2013

  • 3% Healthcare Contribution Refund for Participants in the Personal Healthcare Fund (PHF)

    If you are an active Michigan public school employee who elected the Personal Healthcare Fund under the recent retirement reform (PA 300 of 2012), your 3 percent employee contribution to the Retiree Healthcare Fund, which started in July, 2010, ceases as of the day before your transition date, which would be the first day of the pay period that begins on or after February 1, 2013. The amount of the healthcare contributions you made between September 4, 2012 and your transition date will be paid to your 401(k) account no later than your first pay date after March 1, 2013. The amount of any Retiree Healthcare Fund contributions you made before September 4, 2012, remain in escrow by court order until the litigation against PA 75 of 2010 is settled. This case has been appealed to the Michigan Supreme Court. Once the lawsuit has been resolved, the contributions you made during that time will be returned to you.

    Published March 5, 2013

Other Items of Interest

  • Retirement Act: Public Act 300

    The operation of Michigan Public Schools Employees Retirement System is controlled by the Public School Employees Retirement Act, Public Act 300 of 1980, as amended.

  • Connections Read the latest Connections, the newsletter we deliver twice a year to our retirees.
  • Comprehensive Annual Financial Reports (CAFRs) The Comprehensive Annual Financial Reports contain a wealth of interesting figures and statistics about the Michigan Public Schools Employees Retirement System.
  • Preretirement Seminars, Webinars, and Tutorials This two-hour meeting is an opportunity for you to hear an overview of your retirement benefits so you can make informed decisions about your retirement and your future.