The Michigan Office of Retirement Services (ORS) has partnered with the Department of Treasury to provide access to the Centralized Electronic Payment Authorization System (CEPAS) where you can submit online payments for your insurance premiums. CEPAS allows you to make secure insurance payments online to ORS without the hassle of sending in a paper check and payment coupons.
If you’ve made insurance payments in the past by paper check, you now can make payments online.
Do you want to learn more?
Review the frequently asked questions below for more information.
We accept American Express, Discover, Visa, Mastercard, and e-check (checking or savings).
Yes, you can make a monthly payment or a payment for multiple months. Bills/invoices must be paid in date order. For example: You cannot pay your April 2020 health insurance invoice before you pay your March 2020 dental insurance invoice.
No, ORS does not store your payment information and therefore you are unable to set up automatic payments.
No, ORS does not store your payment information. You must enter your payment information each time you make an insurance payment.
Yes, miAccount and CEPAS are secure websites. If you look at the URL of the website, you will see “https” which means the site is secured using a secured sockets layers (SSL) certificate.
If you pay with a credit card or debit card the transaction will appear on your statement as State of MI DTMB ORS. When paying by e-check the transaction will appear on your statement as MI ORS PYMT.
Yes, any overpayment will be refunded at the end of the billing year. The public school billing year runs from Jan. 1–Dec. 31. The billing year for all other retirement systems is Oct. 1 to Sept. 30.
After payment is made, the bill/invoice will immediately switch to Submitted status. Once ORS receives the payment file from CEPAS, the status will change to Received. Once the payment is applied to the bill/invoice, it will switch to Paid. This can take up to three business days.
After payment is made, the bill/invoice will immediately switch to Submitted status. Once ORS receives the payment file from CEPAS, the status will change to Received. Once the payment is applied to the bill/invoice, it will change to Paid. This can take up to three business days.
ORS received information from CEPAS that the payment you submitted failed and your bill/invoice was changed to a Failed status. This could happen if there are insufficient funds in your account or if you placed a stop payment through your financial institution.
To repay your bill/invoice you will need to select the failed bill/invoice and resubmit the payment through CEPAS.
We are aware that CEPAS has limitations in this area and we are unable to change its system. When reviewing/updating your personal or business information please omit any special characters such as a period (.), comma (,), dash (-), apostrophe (`), hashtag (#) or ampersand (&) sign.
You can opt out of the emails only if you currently receive a pension payment from ORS. Keep in mind if you opt out of the emails you will not receive notification if your payment fails for any reason. To opt out, please click on the Manage Communications link on the left side of the miAccount screen.
If you have not submitted the payment in CEPAS you can cancel the online payment process.
The bill/invoice that is in Submitted status and does not have a confirmation number will be changed to a Failed status the following day. At that point, the bill/invoice will be available again to try to make another payment.
You can call ORS at 800-381-5111.
