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.
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
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
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
Our office will be closed on the following dates:
- May 30, 2016 - Memorial Day
- July 4, 2016 - Fourth of July
- September 5, 2016 - Labor Day
- November 8, 2016 - Election Day
- November 11, 2016 - Veterans Day
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 March 10, 2016
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
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
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
- The October 2015 issue of Connections, our semiannual retiree newsletter, is now available. Articles in this issue include:
- From the Director
- Safeguarding Personal Health Information
- Where ORS Retirees Live
- What’s Hot in Social Media
Published October 23, 2015
- In honor of National Save for Retirement Week we're traveling the state with our Voya partners. We'll be sharing information and answering questions, and invite you to join us on these days and locations:
- 10/19: Sault Ste. Marie - Best Western, Banquet Room, 4335 I-75 Business Spur, Sault Ste. Marie, MI 49783
- 10/20: Gaylord - Holiday Inn Express, 1201 W. Main St., Gaylord, MI 49735
- 10/21: Detroit - Cadillac Place, Grand Ballroom, 3068 W. Grand Blvd., Detroit, MI 48202
- 10/22: Saginaw - Horizons Conference Center, Crystal Room, 6200 State St., Saginaw, MI 49603
- 10/23: Lansing - Capitol Commons Center, Lower Level Conference Rooms, 400 S. Pine St., Lansing, MI 48913
We'll be available between 9:00 a.m. and 1:00 p.m. to answer brief questions you may have about either Defined Benefit or Defined Contribution Plans. Bring your password if you'd like access your account with an ORS or Voya representative.
Published October 7, 2015
- 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
- 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
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
- 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
- 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
- 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
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 Billings
In-Network vs. Out-of-Network
Plan changes for 2015
Your insurance carrier Enrollment Questions
Office of Retirement Services
- Welcome to the new look of the Michigan Public School Employees Retirement System website and miAccount! This update is only one of many we'll be making over the next year to make our site more accessible and easier to use.
Published May 5, 2014
- 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
- If you are currently receiving your prescription drug services through Express Scripts, your carrier is changing to Catamaran on January 1, 2014. Use your Express Scripts cards until December 31, 2013. You will receive new cards in the mail by January 1. Mail order services will still be provided by Express Scripts in 2014.
Published November 14, 2013
If you are thinking about returning to work after you retire, please note the rules have changed: Effective December 27, 2012, a new law (as now added to MCL 38.1361) outlines additional rules for public school retirees returning to work as instructional coaches, school improvement facilitators, or substitute teachers. The law also reinstates the critical shortage provision. See the Working After You Retire page for detailed information about how returning to work may affect your pension.Published April 5, 2013
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
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
The Governor recently signed SB 1360 that reforms the Michigan Public School Employees' Retirement System (MPSERS). This legislation closes the pension and retiree healthcare reform election window at 5:00 p.m. EST, on Wednesday, January 9, 2013, and changes the transition date to February 1, 2013.
If you have made your election choices, you can review them anytime by logging in to miAccount . Changes to your elections are permissible as long as the election window remains open.
If you have not made your election choices, we encourage you to log in to miAccount to understand your choices and make your elections while the window remains open.
Published on December 14, 2012
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.