Welcome to the ORS website for state of Michigan employees in the Defined Contribution plan. Our office is here to help you apply for insurance or disability benefits, and pay insurance premiums when you decide to end your employment with the state of Michigan.

ORS partners with ING and the Michigan Civil Service Commission to offer your Defined Contribution plan. The following section shows which services are offered by each partner and who you should contact to find the information you need.

While you're employed with the state of Michigan

• Learn about disability eligibility.
• Learn about your insurance benefits.

During and after employment with the state of Michigan

• Access and manage your 401(k) and 457 Plans.
• Nominate a beneficiary for your 401(k) and 457 Plans.
• Report a death of a 401(k) and 457 Plan participant.
• Download forms and publications.

During and after employment with the state of Michigan

• Convert life insurance.
• Verify your total hours of service.
• Download health plan booklets and bulletins.
• Obtain assistance when terminating employment.

Before you terminate employment with the state of Michigan

• Apply for health insurance or disability benefits.
• Nominate a life insurance beneficiary.
• Apply for active duty military service credit.

After you terminate employment with the state of Michigan

• Pay your health insurance premiums.
• Update your life insurance beneficiary.
• Update your insurance options.
• Report the death of a health insurance recipient.

The 2009-2010 Insurance Rates are now available.

Published on September 16, 2009

Accumulation of Service Credit: Temporary layoff hours will count toward your vesting requirements as if you have worked those hours. Your vesting status affects your ownership of contributions made on your behalf by the state and your disability eligibility and insurance coverage in retirement.

Contributions: The state's 4 percent contribution to your 401(k) account will be based on your full compensation, as if you had worked those hours. If you normally contribute to your account, the state will also match your contribution up to 3 percent as if you had worked those hours.

Visit the Civil Service Commission website for a further explanation of any layoff provisions.

Published on May 20, 2009