退休 Options at bet8九州登录入口 for New 雇佣s
As a public employer in the State of Ohio, bet8九州登录入口及其教职员工参加俄亥俄州的退休制度. In the state retirement system, 雇员可以(根据资格要求)获得俄亥俄州教师退休系统(str)提供的退休计划。, the Ohio Public Employee 退休 System (③), and the Alternative 退休 plan (ARP). 所有非学生雇员必须参加其中一项退休计划.
bet8九州登录入口's retirement program is considered a pick-up-plan; regardless of plan choice the retirement contributions are a tax-deferred contribution deducted automatically each pay period. State employees of Ohio are exempt from contributing to 社会保障. Employees hired after March 31, 1986 will make contributions to 医疗保险. See below for information regarding the 社会保障 exemption.
新聘员工
新聘用的 faculty and staff are encouraged to attend a new hire orientation session. 有关退休选择的详细信息在新员工入职培训会上分发和审查. 联系 人力资源 at uhr@俄亥俄州.edu for further information regarding new hire orientation.
新聘用的, full-time employees of bet8九州登录入口 have a choice between two retirement plans; the state system (③ or str) and the Alternative 退休 Plan (ARP).
New hired employees must elect a retirement plan within 120 days of their hire date. If no election is made, they will default to the applicable state plan (③ or str).
This decision is irrevocable; once a plan is elected, the employee remains with that system throughout their employment at bet8九州登录入口.
③ and str offer a choice of three* plans within their systems to new members. 那些以前已经捐款的人应该联系③(1-866-673-7748)或str(1-888-227-7877)来验证选项.
*截至12月31日, 2021, 对于符合条件的新雇员，联合计划将不再是一个计划选择选项.
退休 资源 for New Employees
- Comparison of 退休 Plan Options for 教师 [PDF] 修改后的8.1.22
- Comparison of 退休 Plan Options for 工作人员 [PDF] 修改后的8.1.22
Alternative 退休 Plan (ARP)
ARP是一项401(a)固定缴款计划，可供选择的供应商提供各种投资选择. 退休 income is based on the investment performance for the total contributions (employee and employer; subject to contribution limits). 供款可在供应商管理的各种投资选择中进行分配. Participating employees may change ARP providers throughout their careers.
List of approved bet8九州登录入口 ARP Providers.
国家计划
教师 are eligible for the State Teachers 退休 System (str). 所有非教职员工都有资格参加俄亥俄州公共雇员退休制度(③)。.
str and ③ each offer three* retirement plans:
固定收益计划
在传统的养老金计划中，你退休时的福利是通过使用你的工作年限的数学公式预先确定的, final average salary (average of highest 5 years of earnings), 还有你的年龄. 阁下无须在本计划中作出任何投资分配决定，亦不承担任何投资风险.
固定缴款 Plan
A 401-type plan in which your retirement benefit, 或者账户价值, is based on investment returns realized over the life of the plan. 在这种计划中, 你根据你的捐款和大学捐款做出投资分配决定, in consultation with str.
综合计划
混合型计划，你的退休福利部分由固定供款帐户的投资回报决定, 还有一部分是根据你的工作年限和最终平均工资计算的养老金公式.
有关计划和方案的更多详情，请致电人力资源福利办公室 benefits@俄亥俄州.edu.
*截至12月31日, 2021, 对于符合条件的新雇员，联合计划将不再是一个计划选择选项.
退休 Plans and Employee and University 贡献
教师 Plans - Employee and University 贡献
退休计划的缴款受俄亥俄州法律管辖，并有可能发生变化. 大学和教职员工必须向退休计划缴款，如下所述. 捐款适用于“应得薪金”，包括基本年薪和额外的教学及研究薪金. The chart below reflects contributions:
| 贡献 | Alternative 退休 Plan | str的计划 | ||
|---|---|---|---|---|
| 固定收益 | 固定缴款 | 结合 | ||
| 员工的贡献 | 14% | 14% | 14% | 14% |
| University Contribution | 11.09%* | 14% | 11.09%* | 14% |
| 总贡献 | 25.09% | 28% | 25.09% | 28% |
| University Mitigating Rate Contribution to str | 2.91% | 0% | 2.91% | 0% |
*减免率适用于大学对ARP计划和str固定缴款计划的缴款. 缓解率反映了大学对str的捐款，而不是针对ARP或str固定缴款计划，以抵消ARP和str固定缴款计划的存在对str供资负债的负面影响. 这意味着大学对ARP和str固定缴款计划的贡献要少于对str固定收益养老金计划的贡献.
工作人员 Plans - Employee and University 贡献
退休计划的缴款受俄亥俄州法律管辖，并有可能发生变化. 大学及教职员须按下列规定向退休计划缴款. 供款适用于“可挣工资”，包括基本年薪和某些额外工资，如加班费. The chart below reflects contributions:
| 贡献 | Alternative 退休 Plan | ③计划 | ||
|---|---|---|---|---|
| 固定收益 | 固定缴款 | 结合* * | ||
| 员工的贡献 | 10% | 10% | 10% | 10% |
| University Contribution | 11.76%* | 14% | 11.76%* | 10.5%* |
| 总贡献 to Plan | 21.76% | 24% | 20.5% | 20.5% |
| University Mitigating Rate Contribution to ③ | 2.24% | 0% | 2.24% | 3.5% |
*减免率适用于大学对ARP计划和oppers固定缴款计划的缴款. 缓解率反映了大学的捐款，这些捐款是直接给国家税务局而不是国家税务局或国家税务局的固定缴款计划，以抵消由于国家税务局和国家税务局的固定缴款计划的存在而对国家税务局的资金负债造成的负面影响. 这意味着大学对ARP和美国国家税务局的固定缴款计划的贡献比它对美国国家税务局的固定福利养老金计划的贡献少.
“另类退休计划”供款更改于7/1/22生效
***截至12月31日, 2021, 对于符合条件的新雇员，联合计划将不再是一个计划选择选项.
退休 Contribution Limits
美国国税局(Internal Revenue Service)对雇员的供款和补偿金额进行了限制. 这些限制取决于雇员参加的计划类型，并基于《bet8九州登录入口》401(a)(17)的薪酬限制和415(c)的缴款限制.
Supplemental 退休 Accounts
bet8九州登录入口还提供自愿补充退休账户，包括403(b)税递延年金和457递延补偿账户. Employees are encouraged to participate in either/or both programs. Supplemental retirement accounts are subject to IRS deferral limits. 了解更多关于 自己投资.
社会保障
State and Local Government
Work for a state or local 政府ernment agency, including a school system, 学院或大学, may or may not be covered by 社会保障. To learn more visit the 社会保障 退休 好处 Planner site.
Windfall Elimination Provision (WEP) Calculator
社会保障 WEP Benefit Calculator is maintained by the 社会保障 Administration.-它的目的是让你估计你在社会保障范围内的工作可能获得的任何福利.- LASERS does not sponsor the calculator, nor does it vouch for any calculations you may receive from using it. 如对社会保障WEP计算器有任何意见或疑问，请向社会保障署提出 CalculatorMaster@ssa.政府.
了解更多有关 Windfall Elimination Provision.
Government Pension Offset (GPO)
If you receive a pension from a federal, state or local 政府ernment based on work where you did not pay 社会保障 taxes, your 社会保障 spouse's or widow's or widower's benefits may be reduced. To learn more visit the 社会保障 退休 好处 Planner site.