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Welcome

Welcome to the ORS website for state of Michigan employees who are in the 401(k) Defined Contribution plan. (Not sure if you're in the 401(k) Defined Contribution or Defined Benefit plan? Click here.)

Be sure to and come back often for important information.


FAQs
  1. What does ING handle? What does ORS handle?
  2. Deciding how much to save and where to invest is overwhelming. Is there someone who can give me advice?
  3. What's the difference between Deferred Compensation and Defined Contribution?
  4. When can I retire?
  5. I'm getting married and changing my address. Do I have to report it?
  6. I'm getting divorced. Do I need to do anything?
  7. I need some quick cash. Can I use my 401(k) or 457?
  8. I'm quitting state employment to take another job. What do I need to do?
  9. Will I have health insurance after I retire?

What's New
Dates ORS Will Be Closed This Summer

State government offices will be closed for six days this summer to help reduce the state's current budget deficit. Our office will be closed on:

  • Friday, June 19
  • Monday, July 6
  • Friday, July 24
  • Friday, August 7
  • Friday, August 21
  • Friday, September 4

Additionally, we will be closed on Friday, July 3, for the Independence Day holiday.

While our office may be closed you may still use miAccount, our secure website where you can view and print your personal account information, make changes, and correspond securely with ORS. miAccount is available to you seven days a week from 5 a.m. to 11 p.m.

Published on June 11, 2009


Temporary Layoff Information
The temporary layoffs that are part of Executive Order 2009-22 will have the following effect on your Defined Contribution plan, whether your employee group experiences multiple one-day layoffs with days of work in between or a string of consecutive layoff days.

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


Detroit Office Modifies Hours

The Customer Education Center in Detroit is now open from 9 a.m. to 4 p.m. on the first and third Tuesdays each month. Though the office will be open for walk-ins, to ensure the best possible service we encourage customers to make an appointment by calling our Customer Service Center at (800) 381-5111.

Published on January 29, 2009


2008-2009 Insurance Rates

Retiree insurance rates for 2008-2009 are available on the Employee Benefits Civil Service website. The new insurance rates are effective October 1, 2008. Visit the Civil Service website and then look under 2008-2009 Insurance Rates. Other information that may be of interest to you on the Civil Service website are the newsletters and bulletins and the Retirees' State Health Plan book.

Published on October 21, 2008


Citistreet becomes part of ING
On July 1, 2008, CitiStreet, your Plan's recordkeeper, became part of ING, one of the world's largest and most respected financial institutions here in the US.  You will see us change our name to ING over the next few months.  Rest assured, you do not need to do anything.  Your Plan account, including your investments, will remain the same.  Simply continue accessing your account as you do today.

Published on July 30, 2008



Other Items of Interest

• About the State Employees' Retirement System
The State Employees' Retirement System is a statewide public employee retirement plan administered by the Office of Retirement Services.

• Retirement Act: Public Act 240
The operation of State Employees' Retirement System is controlled by the State Employees' Retirement Act—Public Act 240 of 1943, as amended.

• Office of the State Employer
This state office oversees contract negotiations with bargaining units for the state workforce. Its Employee Health Management Division assists employees with work-related illnesses and injuries and nonduty disabilities. OSE also manages the Employee Services Program.

• Department of Civil Service (MDCS)
In addition to recruiting and hiring state employees, MDCS offers employee training, including seminars on planning and investing for retirement. The Employee Benefits Division of MDCS negotiates health insurance contracts for both active and retired state employees.

• Contact ING
Find out how to contact ING by mail, phone, visit, email, or fax. ING is a leading provider of pension plans and was selected by the state to administer the 401(k) Defined Contribution plan and the 457 Deferred Compensation Plan. ING also offers services like investment counseling and round-the-clock customer service.

• Contact ORS
Find out how to contact ORS by mail, phone, visit, message board, or fax.




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