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The Michigan Office of Retirement Services (ORS) administers retirement programs for Michigan 's state employees, public school employees, judges, state police, and National Guard. ORS also provides various retiree healthcare benefits, including traditional insurance plans, Personal Healthcare Funds, and Health Reimbursement Accounts.
"The 401(k) transition looms large for Gen X and working baby boomers, and many working Americans have taken a long time to adapt to the new retirement system—some too long," Goldman's report notes.
The Department of Management Services (DMS) is a Governor's agency. The Secretary is responsible for planning, directing, coordinating, and executing the powers, duties, and functions vested in the agency, its divisions, bureaus, and other subunits. The DMS Chief of Staff oversees the Office of Communications, Legislative Affairs, the Office of ...
Yes, But There's a Big Catch. Social Security can go a long way in retirement, but many seniors may struggle financially even with the help of their benefits. According to Vanguard's 2023 How ...
Types of retirement plans. Retirement plans are classified as either defined benefit plans or defined contribution plans, depending on how benefits are determined.. In a defined benefit (or pension) plan, benefits are calculated using a fixed formula that typically factors in final pay and service with an employer, and payments are made from a trust fund specifically dedicated to the plan.
Small business owners who want to set up a retirement account have several options to consider. Factors like the number of employees, contribution limits, investment options and administrative ...