公务员退休制度
密西西比街429号
杰克逊，MS 39201-1005
1-800-444-7377

The 公务员退休制度 (PERS) of Mississippi is the retirement system for nearly all non-federal public employees in the state. 从墨西哥湾到田纳西边境, 从阿拉巴马线到密西西比河, PERS为国家雇员服务, 公立学区, municipalities, counties, community colleges, state universities and such other public entities as libraries and water districts.

Membership in PERS is a benefit accorded to eligible public employees of member agencies, and is financed by contributions made by the employees and their employers and the earnings on these contributions.

PERS是一种固定收益计划. It provides a retirement benefit for public employees after attainment of a certain age and/or completion of a required number of years of service. This system combines the benefits of the Social Security Program with a supplementary state annuity program to give employees a state retirement program. 在这个固定收益计划下, 你在退休时得到的福利是基于一个福利公式的.

Neither the investment experience nor the amount contributed by the employee and institution on behalf of the employee directly determines the amount of guaranteed benefit to be received. 所有雇员都必须供款 9.00% 在他们的总入息中，每年以255,000元为上限. 这笔捐款是在税前基础上提供的. 大学也将捐助15英镑.你总入息的75%，上限为255元,000 per year; however, you will only receive a benefit from the university’s contributions if you retire from the system and draw monthly benefits. 你是否应该决定在退休前离开大学, 你可以提取少交税款的供款, 把你的捐款转到一个合格的个人退休账户而不交税, or leave the money in the system for the purpose of drawing a benefit later, should you qualify, 或者回到政府工作.

Retirement benefits are determined by years of service and average annual earnings for the four years of employment with the highest earnings. 使用服务信用因子计算收益. This is determined by multiplying the total years of creditable service times the statutory formula percentage. 一名雇员在工作1-25年期间获得2%的收入. 服务年限超过25年的参与者可获得2.5 percent.

PERS requires four (4) years of service in the plan before you are vested for those employees employed before July 1, 2007, 7月1日或以后受聘的，满8年, 2007. 一旦员工被赋予权利，还有其他一些潜在的好处.

1. 符合条件的残疾收入.

Disability Retirement: An employee who is disabled after he/she has completed four years of creditable service may receive a disability retirement allowance which consist of the amount as a retirement allowance he/she continued in service to age 60.  PERS has two disability plans, Age Limited Disability Plan and Tiered Disability Plan. 如果你在7月1日之前是PERS的成员, 1992, 并且没有选择分级伤残保险, 你受年龄限制残疾计划的保护.

2. Surviving spouse and dependent children income in the event of the death of the member.

公务员退休制度提供以下讲座:

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

要查看当前的PERS研讨会日期，请点击这里.

Monthly retirement benefits are available from PERS if (1) you are age 60 with at least four years of membership service for those employees employed before July 1, 2007, 7月1日或以后受聘的，满8年, 2007; or (2) you have completed 25 years of creditable service (four of which must be membership service credit). Unused leave and military service can be applied toward the 25 year service credit but CANNOT be applied for retirement eligibility purposes until after the four (4) or eight (8) years of contributing membership service credit is awarded.

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选择性退休计划

Prior to July 1, 1990, all eligible employees of the Institutions of Higher Learning were covered under PERS; however, 在1990年的立法会议上, the Institutions of Higher Learning (IHL) were instrumental in getting House Bill 1070 passed which made an optional retirement plan available to the IHL teaching and administrative faculty. This alternative plan was established in recognition of the fact that many university level faculty members transfer from state to state a number of times prior to retirement and that such mobility in employment severely limits the ability to build a meaningful retirement benefit under a defined benefit plan such as PERS. This alternative plan is structured so as to be portable and transferable as teaching and administrative staff move from one state to another. It was also designed to serve as a recruiting tool to better enable Mississippi to attract qualified and talented university staff. Beginning July 1998, 这一标准扩大到包括具有学术等级的图书馆员, Coaches, 以及拥有预算权力的行政人员.

为了参加可选退休计划, 雇员必须首先有资格参加PERS. 因此，个人必须首先处于被掩护的位置. 如果在7月1日之后首次在符合条件的职位上工作, 1990, an eligible employee has the option to elect to participate in the 选择性退休计划. 此选项仅在就业的前30天内有效. 如在此期间未进行选举, 雇员自动成为PERS的成员. 这个决定是不可撤销的.

选择性退休计划(ORP)是一种固定缴款计划. In this plan, contributions made by the employee and the institution on your behalf are invested in a retirement annuity certificate in your name. The amount of monthly benefit received at retirement will be based on amount of funds contributed, 这些基金的投资收益, 雇员开始领取福利时的年龄, 以及选择的年金类型. Contributions made by the employee and the institution are immediately vested and continue to accumulate benefits, 即使不再受雇于密西西比州, 或者不管未来的工作.

符合资格加入ORP的员工缴纳9英镑.总入息的百分之百，每年最高为$255,000. 代表员工缴纳的大学会费为15英镑.75% of which 13.115% is remitted to ORP company chosen, making a total contribution of 22.865%.  雇主供款余额为2.6325% goes to PERS to fund the unfounded accrued liability of PERS as it does for all PERS participants.

以下公司是ORP的供应商.

• ING
• TIAA-CREF – Teachers Insurance and Annuity Association College Retirement Equities Fund
• 可变年金人寿保险公司

本页由丽莎·吉格尔维护. 发送有关本网站的问题和评论到 lgiger@faziletnesriyat.com