Public Employees’ Retirement System
429 Mississippi Street
Jackson, MS 39201-1005
1-800-444-7377

密西西比州的公共雇员退休制度(PERS)是该州几乎所有非联邦公共雇员的退休制度. From the Gulf of Mexico to the Tennessee border, from the Alabama line to the Mississippi River, PERS serves employees of the state, public school districts, municipalities, counties, community colleges, 州立大学和其他公共实体，如图书馆和水区.

公务员福利计划的成员资格是给予成员机构的合格公职人员的福利, 它的资金来源是雇员和雇主的供款以及这些供款的收入.

PERS is a defined benefit plan. 它为达到一定年龄和/或完成规定服务年限的公务员提供退休福利. 这个制度结合了社会保障计划的好处和一个补充的国家年金计划，给雇员一个国家退休计划. Under this defined benefit plan, the benefit you receive at retirement is based upon a benefit formula.

无论是投资经历还是员工和机构代表员工的出资金额，都不能直接决定员工获得的保证收益的金额. All employees are required to contribute 9.00% of their total earnings up to a maximum of $330,000 annually. This contribution is contributed on a pre-tax basis. The University will also contribute 17.40% on your total earnings up to a maximum of $330,000 per year; however, 只有当你从系统中退休并每月领取福利金时，你才会从大学的捐款中获得好处. Should you decide to leave the University before retirement, you may withdraw your contributions less taxes, roll over your contributions to a qualified IRA without paying taxes, 或者把钱留在系统里，以便以后提取福利, should you qualify, or return to state service.

退休福利是由工作年限和收入最高的四年的平均年收入决定的. Benefits are calculated using a service credit factor. 这是通过将可信服务的总年数乘以法定公式百分比来确定的. An employee receives 2% percent for 1-25 years of service. For years of service over 25, participants receive 2.5 percent.

在7月1日之前被雇用的雇员在退休前必须在该计划中服务4年, 2007, and eight (8) years of service for employees employed on or after July 1, 2007. Once an employee is vested, there are several other potential benefits.

1. Disability income for a qualifying disability.

残疾退休:在工作满四年后成为残疾的雇员可领取残疾退休津贴，其数额由他/她继续工作至60岁的退休津贴组成.  PERS有两种残疾计划，年龄限制残疾计划和分层残疾计划. If you were a member of PERS before July 1, 1992, and did not elect coverage under the Tiered Disability Plan, you are covered under the Age Limited Disability Plan.

2. 成员死亡时未亡配偶和受抚养子女的收入.

Public Employees’ Retirement System offers the following seminars:

• Full-day Seminars
• PERS After Hours
• PERS on the Move
• Focus Sessions

To see the current PERS seminar dates, click HERE.

如果(1)你年满60岁，并且在7月1日之前受雇的雇员至少有四年的会员服务，那么你可以从PERS获得每月的退休福利, 2007, and eight (8) years of service for employees employed on or after July 1, 2007; or (2) you have completed 25 years of creditable service (four of which must be membership service credit). 未使用的休假和兵役可以申请25年的服务积分，但在获得4年或8年的贡献会员服务积分之前，不能申请退休资格.

Send questions and comments regarding this site to Lisa Giger.

Optional Retirement Plan

Prior to July 1, 1990, all eligible employees of the Institutions of Higher Learning were covered under PERS; however, in the 1990 Legislative session, 高等教育机构(IHL)在众议院1070号法案的通过中发挥了重要作用，该法案为国际人道法的教学和行政人员提供了可选择的退休计划. 这一替代计划的建立是基于这样一个事实，即许多大学级别的教师在退休前多次从一个州转到另一个州，而这种就业的流动性严重限制了在固定福利计划(如PERS)下建立有意义的退休福利的能力. 这个替代计划的结构是为了便于教学和行政人员从一个州转移到另一个州. 它还被设计为一种招聘工具，使密西西比州能够更好地吸引合格和有才华的大学员工. Beginning July 1998, this criteria was expanded to include Librarians with academic rank, Coaches, and Administrators with Budgetary Authority.

In order to participate in the Optional Retirement Plan, an employee must first be eligible to participate in PERS. Therefore, the individual must first be in a covered position. If initially employed in a qualifying position after July 1, 1990, 符合条件的雇员可以选择参加可选退休计划. This option is only available during the first 30 days of employment. If no election is made during that period of time, the employee automatically becomes a member of PERS. The decision is then irrevocable.

The Optional Retirement Plan (ORP) is a defined contribution plan. In this plan, 雇员及机构代表你所作的供款会以你的名义投资于退休年金证书. 退休时每月领取的福利数额将以供款数额为准, the investment earnings of those funds, age at the time the employee begins receiving benefits, and the type of annuity chosen. 雇员和机构的供款立即归属，并继续累积利益, even if no longer employed by the State of Mississippi, or regardless of future employment.

Eligible employees who join ORP contribute 9.00% on total earnings up to a maximum of $255,000 annually. The University contribution on behalf of the employee is 15.75% of which 13.115%汇给所选的ORP公司，合计贡献22%.865%.  The employer contribution balance of 2.6325%拨给公务员退休基金，为公务员退休基金的无根据应计负债提供资金，就像所有公务员退休基金参与者一样.

The following companies are vendors for ORP.

• Corebridge Financial
• 教师保险及年金协会大学退休股票基金
• VOYA

This page is maintained by Lisa Giger. Send questions and comments regarding this site to lgiger@rivercitysessions.com