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.

Changes do not affect current retirees and members who previously switched from the Defined Benefit (DB) plan to the Defined Contribution (DC) plan.

Changes that affect your retiree healthcare plan were recently signed into law and grant you choices regarding your retirement healthcare.

1. You can stay with your current retiree healthcare option, which is the Graded Premium Subsidy where you accrue annual credit towards your insurance premiums in retirement. Or you can choose a portable Personal Healthcare Fund that you can use to pay your healthcare expenses in retirement. Election Deadline: March 2, 2012.

2. Your 3 percent retiree healthcare contributions will be refunded to you, with interest.

Your Retirement Choices.

Click here to learn more about your retirement plan options. Or, visit miAccount to make an election.

You will receive a refund of your contributions made to the retiree healthcare fund since November 2010. Visit the Civil Service Commission website and click on the bottom Employees or Announcements tabs for more information.

If you are in the Defined Contribution plan and are deciding whether or not to opt out of your current retiree health insurance coverage and switch to the Personal Healthcare Fund, there is a calculator available to help you estimate your potential healthcare savings. This calculator will project both portions of the Personal Healthcare Fund option: the lump sum credit and the 401(k)/457 healthcare contributions and match.

Click here to use the Personal Healthcare Fund calculator.

Published January 17, 2012

Our office will be closed on the following dates:

January 16 - Martin Luther King Jr. Day
February 20  - President's Day
May 28 - Memorial 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 January 13, 2012

Public Act 264, signed by Governor Snyder on December 15, amends the State Employees' Retirement System. State employees in both the Defined Benefit plan and the Defined Contribution plan have additional options, and will need to make choices about their future benefits. Click here to see a summary of the Defined Contribution legislation summary. The ORS website will be updated regularly with additional details and tools to help members understand the changes.

For information about the 3% healthcare contribution refund, visit the Civil Service Commission website and click on the Employees or Announcements tabs at the bottom of the page.

Published December 15, 2011

The 2011-2012 Insurance Rates are now available.

Published on October 3, 2011

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.