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Core and voluntary plans

Find your retirement options based on your benefits eligibility and hire status:

Visit our plan contacts page.

Looking for plan providers or health care providers?
Visit our plan contacts page for more information.


ERIP

Employee Retirement Investment Plan
If you are ... Your core plan is ... Your voluntary plan options are ...
  • Active, benefit-eligible employee first hired on or after 10/1/2012
  • Returning, benefit-eligible employee who was not vested upon termination
  • Returning, benefit-eligible employee who was vested upon termination and took a full retirement plan distribution
  • Employee Retirement Investment Plan, consisting of:
    • A pension (also known as a defined benefit) called the Retirement, Disability, and Death (RDD) Plan, Level 2
    • A defined contribution portion with a predetermined contribution paid by the UM System
  • 403(b)
  • 457(b)
  • Supplemental Retirement Plan (SRP) 401(a)

RDD

Retirement, Disability, and Death Benefit Plan
If you are ... Your core plan is ... Your voluntary plan options are ...
  • Active benefit-eligible employee hired prior to 10/1/2012
  • Returning benefit-eligible employee who was vested upon termination and did not take a retirement plan distribution
  • Retirement Disability and Death Benefit Plan, Level 1, consisting of a pension (also known as a defined benefit)
  • 403(b)
  • 457(b)
  • SRP 401(a)

VRP

Voluntary Retirement Plans
If you are ... Your core plan is ... Your voluntary plan options are ...
  • Non-benefit-eligible employee
  • n/a
  • 403(b)
  • 457(b)

Reviewed February 06, 2017.