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Mandatory Retirement Plans

As a UMMS employee, you are required to participate in either the Massachusetts State Employees' Retirement System (MSERS) or the Optional Retirement Program (ORP), if eligible. Regardless of which plan you choose, you contribute 9% of your whole salary (up to 64% of the IRS compensation limit) and an additional 2% on salary in excess of $30,000. Participation in a plan is mandatory and contributions are tax-deferred.

Note: For both MSERS and ORP, these contributions are in lieu of Social Security contributions.

Please click the images below for detailed information on the MSERS and ORP retirement plan options.