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ORS Public School Employees' Retirement System

Old Michigan red school house
Michigan Office of Retirement Services

ORS Public School Employees' Retirement System

Welcome

Your partners in planning

Welcome to the Michigan Office of Retirement Services (ORS) website for members of the Michigan Public School Employees' Retirement System who began public school employment before July 1, 2010.

The retirement system provides competitive retirement and healthcare benefits and encourages you to take full advantage of them to plan for your future retirement. ORS manages the retirement system carefully to preserve it for you and other future retirees.
 
During your career, your employer takes care of your pension plan deductions, wage and service records, and any additional contributions. Your employer sends regular wage and service reports to ORS that become part of your personal pension record. 
 
You also can enroll in the State of Michigan 401(k) and 457 Plans (the Plans) to help supplement your pension with additional retirement savings. ORS administers the Plans while Voya Financial takes care of the daily management. If you elected to participate in the Personal Healthcare Fund (PHF), it is also managed by Voya. 
 
When it's time to retire, your employer sends your final records to ORS, and we become your partner in retirement. 
 
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If you first worked for a Michigan public school July 1, 2010, or later, you’re a member of the Pension Plus Plan, Pension Plus 2 Plan, or the Defined Contribution Plan.

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What's New

Public Act 127 of 2024

October 10, 2024

On Oct. 3, 2024, Gov. Whitmer signed Public Act 127 of 2024. Because the bill was not granted immediate effect, the law will take effect 90 days after the Legislature adjourns (...

Learn more about your 2025 healthcare benefits

September 27, 2024

You may download a summary of plan changes for all insurance plans here. If you are enrolled in the Blue Cross Blue Shield of Michigan health insurance plan, you may want to se...

ORS named America Saves Savings Champion

July 30, 2024

The Michigan Office of Retirement Services (ORS) is a 2024 Savings Champion Award recipient from America Saves. ORS was honored for effectively and actively promoting savings s...

ORS named 2024 Plan Sponsor of the Year

June 12, 2024

ORS is Plan Sponsor of the Year for Government DC plans with $1 billion or more in assets. Among 10 winners of 2024 Plan Sponsor of the Year recognition announced in Chicago a...

Changes to Insurance Eligibility for Children

February 02, 2024

Public Act (PA) 158 will take effect on Feb. 13, 2024. The new law allows for a child to remain on retiree insurance until the end of the month in which that child turns 26, reg...

Legislative Update

November 30, 2023

Public Act (PA) 250 of 2023 was signed into law Nov. 30. The new law changes the default retirement option for employees who first work at a Michigan public school on or after J...

Public Act 4 of 2023 — Retirement State Tax Changes

Public Act (PA) 4 of 2023, also known as the Lowering MI Costs Plan, took effect Feb. 13, 2024. 

It phases in an income tax reduction over the course of four years for retirees who receive a pension. For the 2025 tax year (filed in 2026), Michigan’s tax return, forms, and instructions (e-file and paper format) incorporate all retirement and pension benefit subtraction options – including those created by PA 4 of 2023. For more details, see the Michigan Department of Treasury website.

For joint returns, the birth year of the older spouse can be used.
 

Public schools FAQs for Public Act 4 of 2023 - Retirement State Tax Changes

Retirement state tax changes chart 

The Michigan Office of Retirement Services will continue to evaluate what the law means for our members as the phase-in continues. Please consult a tax professional regarding any questions you may have. To learn more about PA 4 of 2023, see the Michigan Legislature's page.

Published on March 7, 2023
Updated on April 18, 2025