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State Employees' Retirement System - Defined Contribution

The Michigan State Capitol building in Lansing, featuring its white neoclassical dome and limestone facade under a slightly cloudy blue sky, with the American and Michigan state flags flying.

State Employees' Retirement System - Defined Contribution

Welcome to the Michigan Office of Retirement Services (ORS) website for State of Michigan employees in the Defined Contribution (DC) Plan. ORS partners with Voya Financial to offer your DC Plan and help you save for retirement. 

Who is a DC Plan Participant?

You are a DC participant when either of the below mentioned is true.

  • Employee of the State

    If you were hired by the State of Michigan on or after
    March 31, 1997.

  • Transfer from DB to DC

    Began your state employment under the Defined Benefit (DB) Plan and transferred to the DC Plan. You retain the DB insurance subsidy.

  • Public Act 264 of 2011

    Began your state employment under the DB Plan and elected to transfer to the DC Plan under Public Act 264 of 2011. You retain the DB insurance subsidy.

  • Retired but Back to Work

    You retired from the State of Michigan and are receiving a pension but returned to work for the state.

Voya Financial

ORS partners with Voya Financial to offer your Defined Contribution Plan. Voya has tools to help you save for retirement. 

Laptop sitting open with Voya financial logo on the screen.

  • Your Account

    Log in to your Voya account to check your account balance and access a variety of retirement tools.

    Voya Account Login

  • myOrangeMoney

    Planning for retirement starts with a goal. The myOrangeMoney calculator shows you the monthly income you may need in retirement along with the progress you’ve made toward your savings goal.

    myOrangeMoney

  • My Retirement Overview

    Get a more complete review of your retirement outlook with the My Retirement Overview, which combines retirement and paycheck analysis calculators in one tool.

    My Retirement Overview

Life Stages of Retirement Planning

Select your life stage for more information.

Retirement Resources

  • A senior man with glasses and a gray beard looks intently at a digital tablet held by a healthcare professional in a white coat and stethoscope..

    Plan Highlights

    Voya has Plan Highlights e-books that explain key features and benefits of your retirement plan.

    Not sure which plan you’re in? Use this chart to find your state employee retirement plan and your Plan Highlights e-book.

  • A white senior man in a sweater vest using a calculator and laptop to review a document with financial charts while sitting on a couch.

    Financial wellness tips

    Gain insights into the basics of holistic financial wellness with the Voya Learns Financial Wellness in 5 video. Get tips on spending, saving, managing debt, retirement planning, and protecting your financial future.

    Financial Wellness in 5 video
  • A smiling Black couple in a bright kitchen looking at a laptop together; the man is seated while the woman leans in from behind.

    Voya webinars

    Created for DC Plan participants, sign up for a webinar presented by members of Voya’s Michigan-based education team.

    Webinar sign-up
  • Young Asian woman having online business meeting, video conferencing on laptop with her business partners, working from home in the living room.

    Retire Better blog

    Get Ready to Retire Better with practical tips and insights from Voya.

    Retire Better blog
  • Banner for Michigan Office of Retirement Services with the word "Proactive." Below, a Black woman with blonde curly hair looks intently at a laptop in a bright office with green walls.

    Proactive newsletter

    ORS produces the quarterly Proactive newsletter for State of Michigan employees who are DC Plan participants.

    Proactive newsletters
  • A senior white woman with short gray hair and glasses smiles and waves at her laptop screen while sitting at a desk with flowers.

    One-on-one appointments

    As a DC Plan participant, prepare for your future by signing up for a one-on-one appointment with a representative from Voya‘s Michigan-based education team.

    Schedule appointment