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Choosing A Retirement Plan  ‌

This information is intended to help employees understand both plans’ features; bolstering their ability to make a good choice.  This is an important decision, for once you make your choice, it cannot be changed.

The State Employees’ Retirement System (SERS) is mandatory for all employees except faculty and senior level administrators. It is a defined benefit plan. A defined benefit plan provides predictable and guaranteed retirement income. Your employer is responsible for ensuring that adequate funds are available to pay the benefit that is promised to you at retirement.  Click here for the Benefit Guide for the Massachusetts State Employees’ Retirement System.

The Optional Retirement Program (ORP) is a flexible and portable retirement plan for faculty and senior administrators at the Commonwealth’s public institutions of higher education.  It is a defined contribution plan. A defined contribution plan provides retirement income that, for the most part, is based on your personal account balance at the time of retirement. This income can be either fixed or variable. You are responsible for selecting investments for your account that are made available by your Provider. Plan contributions and the account’s investment growth are tax-deferred.

Section 60 Pension Reform ORP Q&A Session (Courtesy of University of Massachusetts Medical School Human Resources)

UMMS sponsored Richard Nunes, Public Higher Education Employee Retirement Director from the Dept. of Higher Education (DHE), for a Sect. 60 ORP Q&A session. Richard answered Sect. 60 ORP questions and outlined important points to consider with your ORP transfer decision.  Click HERE to view the Video

Current Member Resources

Retirement Percentage Charts


*Are applicable for State Employee's Retirement System Members only.

Contact the Benefits Administrator at X8083 (508-999-8083) for assistance with retirement questions.

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