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Supported Browsers - [Google Chrome](https://www.google.com/chrome/?brand=FHFK&gclid=Cj0KCQiAk53-BRD0ARIsAJuNhptcTc4l_Kn-u3t6asbRCm-d_Uk2smxuQk1Vt_2ZS6cGVaUNkX29yREaAu8xEALw_wcB&gclsrc=aw.ds) - [Safari](https://www.apple.com/safari/) - [Microsoft Edge](https://www.microsoft.com/en-us/edge) - [Firefox](https://www.mozilla.org/en-US/firefox/new/) # Michigan Public School Employees' Retirement System Retired man sitting on kayak on the shore next to daughter with Mountains and lake in the background. # Michigan Public School Employees' Retirement System 1. [Michigan Public School Employees' Retirement System]("Michigan Public School Employees' Retirement System") The Michigan Office of Retirement Services (ORS) administers a Defined Benefit Plan, two hybrid plans, and a Defined Contribution Plan for public school employees. ORS also administers two retiree healthcare plans: the premium subsidy benefit and the Personal Healthcare Fund. Contact ORS if you're not sure which plan you're in. Access the retirement plan descriptions and member websites below. ## Defined Benefit Plan You're a member in the Defined Benefit (DB) retirement plan if you: - First worked for a Michigan public school before July 1, 2010, *and* - You did not choose to switch to the Defined Contribution (DC) retirement plan under the reform (Public Act 300 of 2012). The DB Plan has several benefit structures based on your original date of hire, including **Basic**, **Basic 4%**, **Basic DC Converted**, **MIP**, **MIP Fixed**, **MIP Graded**, **MIP Plus**, **MIP 7%**, and **MIP DC Converted**. [Michigan Public School Employees' Retirement System website](https://www.michigan.gov/orsschools/about-your-plan) ## Pension Plus Plan You're a member in the Pension Plus retirement plan if you: - First worked for a Michigan public school between July 1, 2010, and Sept. 3, 2012, and you did not choose the Defined Contribution (DC) retirement plan under the reform (Public Act 300 of 2012), *or* - First worked for a Michigan public school between Sept. 4, 2012, and Jan. 31, 2018, and you did not choose the DC retirement plan. The Pension Plus Plan is a hybrid plan that offers both a pension component and a savings component. [Pension Plus website](http://www.mipensionplus.org/publicschools/index.html) ## Pension Plus 2 Plan You're a member in the Pension Plus 2 retirement plan if you: - First worked for a Michigan public school between Feb. 1, 2018, and June 30, 2024, and you chose the Pension Plus 2 Plan. - First worked for a Michigan public school on or after July 1, 2024, and you did not choose the Defined Contribution Plan. The Pension Plus 2 Plan is a hybrid plan that offers both a pension component and a savings component. [Pension Plus 2 website](http://www.mipensionplus.org/pensionplus2/index.html) ## Defined Contribution Plan You're a participant in the Defined Contribution (DC) retirement plan if you: - First worked for a Michigan public school on or after Sept. 4, 2012, and you chose the DC Plan, *or* - Began your Michigan public school employment under the Defined Benefit Plan and chose to transfer to the DC Plan under the reform (Public Act 300 of 2012), *or* - First worked for a Michigan public school between Feb. 1, 2018, and June 30, 2024, and you did not choose the Pension Plus 2 Plan, *or* - First worked for a Michigan public school on or after July 1, 2024, and you chose the DC Plan. You're a participant in the State of Michigan 401(k) and 457 Plans. A portion of your contributions and employer match are directed to the Personal Healthcare Fund (PHF) within the Plans. Contributions directed to the PHF are earmarked for healthcare costs in retirement but can be used however you want. [State of Michigan 401(k) and 457 Plans website](https://stateofmi.voya.com/) ### If you first worked on or after July 1, 2024 As a new member of the Michigan Public School Employees' Retirement System, you have an important decision to make about your future: choosing your retirement plan. You have 75 calendar days from the last day of your first pay period to choose the retirement plan that best meets your needs: - *The Defined Contribution Plan.* - *The Pension Plus 2 Plan.* Check with your employer if you haven't received your welcome letter from the Michigan Office of Retirement Services in the mail. This letter includes information about your retirement plan options and how to submit your retirement plan choice online. You can get details about your plan options at [PickMiPlan](https://voyamarketingzone.dmplocal.com/sites/4564/pmp-welcome.html). If you don't submit your choice online and the deadline passes, you'll be a member of the Pension Plus 2 Plan. Once you submit your choice in [miAccount](https://www.michigan.gov/orsmiaccount) or the deadline passes, you can't change your retirement plan. [PickMiPlan](https://voyamarketingzone.dmplocal.com/sites/4564/pmp-welcome.html) Follow us  Michigan Public School Employees' Retirement System Copyright State of Michigan  ### **ORS Purpose** We are an innovative retirement organization driven to empower our customers for a successful today and a secure tomorrow. ### **Disclaimer** The retirement plan information that appears on Office of Retirement Services (ORS) websites is intended to summarize basic provisions of Public Acts 300 of 1980, 240 of 1942, 182 of 1986, and 234 of 1992, as amended. Current laws, rates, and factors are subject to change. Should there be discrepancies between the information reflected here and the actual law, the provisions of the law govern. ### **Contact Us** [**miAccount Message Board**](https://www.michigan.gov/ors/miaccount-message-board) The Message Board is your secure link to an ORS customer service representative. **Phone:** 8:30 a.m. to 5 p.m. weekdays except [state holidays](https://www.michigan.gov/som/government/state-holidays). Lansing Area: 517-284-4400 800-Number: 800-381-5111 Fax: 517-284-4416 **Address:** Michigan Office of Retirement Services PO Box 30171 Lansing, MI 48909-7671 About Us About Us - [Contact ORS](https://www.michigan.gov/ors/contact-ors) - [Office of Retirement Services](https://www.michigan.gov/ors) - [Notice of Privacy Practices](https://www.michigan.gov/ors/notice-of-privacy-practices) - [Plan Communications](https://www.michigan.gov/ors/plan-communications) - [FOIA](https://www.michigan.gov/ors/freedom-of-information-act) Resources Resources - [miAccount](https://www.michigan.gov/orsmiaccount) - [Other Reports](https://www.michigan.gov/ors/other-reports) - [Annual Comprehensive Financial Reports](https://www.michigan.gov/ors/acfr) Retirement System Retirement System - [Michigan Public Schools Employees Retirement System](https://www.michigan.gov/orsschools) - [Michigan State Employees Retirement System](https://www.michigan.gov/ors/state-emp) - [Michigan State Police Retirement System](https://www.michigan.gov/orsmsp) - [Michigan Judges Retirement System](https://www.michigan.gov/ors/judges) - [Michigan Military Retirement Provisions](https://www.michigan.gov/orsmilitary) Copyright 2026 State of Michigan [Mi.gov Home](https://www.michigan.gov/) [Policies](https://www.michigan.gov/policies) [Accessibility](https://www.michigan.gov/adaform) [Disability Resources](https://www.michigan.gov/disabilityresources) [FOIA Directory](https://www.michigan.gov/foia) [Departments](https://www.michigan.gov/som/government/branches-of-government/executive-branch) [Language Services](https://www.michigan.gov/ogm/services/statewide-language-access) 

The Michigan Office of Retirement Services (ORS) administers a Defined Benefit Plan, two hybrid plans, and a Defined Contribution Plan for public school employees. ORS also administers two retiree healthcare plans: the premium subsidy benefit and the Personal Healthcare Fund. Contact ORS if you're not sure which plan you're in. Access the retirement plan descriptions and member websites below. ## Defined Benefit Plan You're a member in the Defined Benefit (DB) retirement plan if you: - First worked for a Michigan public school before July 1, 2010, *and* - You did not choose to switch to the Defined Contribution (DC) retirement plan under the reform (Public Act 300 of 2012). The DB Plan has several benefit structures based on your original date of hire, including **Basic**, **Basic 4%**, **Basic DC Converted**, **MIP**, **MIP Fixed**, **MIP Graded**, **MIP Plus**, **MIP 7%**, and **MIP DC Converted**. [Michigan Public School Employees' Retirement System website](https://www.michigan.gov/orsschools/about-your-plan) ## Pension Plus Plan You're a member in the Pension Plus retirement plan if you: - First worked for a Michigan public school between July 1, 2010, and Sept. 3, 2012, and you did not choose the Defined Contribution (DC) retirement plan under the reform (Public Act 300 of 2012), *or* - First worked for a Michigan public school between Sept. 4, 2012, and Jan. 31, 2018, and you did not choose the DC retirement plan. The Pension Plus Plan is a hybrid plan that offers both a pension component and a savings component. [Pension Plus website](http://www.mipensionplus.org/publicschools/index.html) ## Pension Plus 2 Plan You're a member in the Pension Plus 2 retirement plan if you: - First worked for a Michigan public school between Feb. 1, 2018, and June 30, 2024, and you chose the Pension Plus 2 Plan. - First worked for a Michigan public school on or after July 1, 2024, and you did not choose the Defined Contribution Plan. The Pension Plus 2 Plan is a hybrid plan that offers both a pension component and a savings component. [Pension Plus 2 website](http://www.mipensionplus.org/pensionplus2/index.html) ## Defined Contribution Plan You're a participant in the Defined Contribution (DC) retirement plan if you: - First worked for a Michigan public school on or after Sept. 4, 2012, and you chose the DC Plan, *or* - Began your Michigan public school employment under the Defined Benefit Plan and chose to transfer to the DC Plan under the reform (Public Act 300 of 2012), *or* - First worked for a Michigan public school between Feb. 1, 2018, and June 30, 2024, and you did not choose the Pension Plus 2 Plan, *or* - First worked for a Michigan public school on or after July 1, 2024, and you chose the DC Plan. You're a participant in the State of Michigan 401(k) and 457 Plans. A portion of your contributions and employer match are directed to the Personal Healthcare Fund (PHF) within the Plans. Contributions directed to the PHF are earmarked for healthcare costs in retirement but can be used however you want. [State of Michigan 401(k) and 457 Plans website](https://stateofmi.voya.com/) ### If you first worked on or after July 1, 2024 As a new member of the Michigan Public School Employees' Retirement System, you have an important decision to make about your future: choosing your retirement plan. You have 75 calendar days from the last day of your first pay period to choose the retirement plan that best meets your needs: - *The Defined Contribution Plan.* - *The Pension Plus 2 Plan.* Check with your employer if you haven't received your welcome letter from the Michigan Office of Retirement Services in the mail. This letter includes information about your retirement plan options and how to submit your retirement plan choice online. You can get details about your plan options at [PickMiPlan](https://voyamarketingzone.dmplocal.com/sites/4564/pmp-welcome.html). If you don't submit your choice online and the deadline passes, you'll be a member of the Pension Plus 2 Plan. Once you submit your choice in [miAccount](https://www.michigan.gov/orsmiaccount) or the deadline passes, you can't change your retirement plan. [PickMiPlan](https://voyamarketingzone.dmplocal.com/sites/4564/pmp-welcome.html)