RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after...

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Retirement Planning Retiree benefit planning for employees hired or vested prior to 10/1/2012

Transcript of RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after...

Page 1: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Retirement PlanningRetiree benefit planning for employees hired or vested prior to 10/1/2012

Page 2: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Agenda

General retirement planning/types of plansWorking in retirement The university’s retirement plan The online retirement calculator/pension decisionsRetirement insurance The university’s retirement process

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The four pillars of retirement planningU

M S

yste

m re

tirem

ent p

lan

Per

sona

l sav

ings

Soc

ial S

ecur

ity

Wor

king

in re

tirem

ent

Page 4: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Returning to workWorking for the university after retirement

Page 5: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Rehire retiree rules

While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are eligible for, only if you work less than 75% FTE (or less than 30 hours per week).

– Accumulated across all positions.– Meeting or exceeding 75% FTE results in suspension of pension/retiree insurance.

It is strongly recommended that re-employed retirees do not exceed 70% FTE (or no more than 28 hours per week).

It is important to notify the UM System Office of Human Resources Retirement team if you are returning to work in a benefit-eligible position.

Hours you work

Age If you are younger than 62 at retirement, you must follow special IRS rules:

– No understanding or promise of rehire prior to retirement.– Minimum 90-day break in service, unless competitively rehired.– Signed Notice of Intent to Retire form to confirm understanding of these rules.

If you are age 62 or over at retirement:– There is no restriction in rehire with the university; however, the UM System Office of Human Resources recommends a 30

day break between retirement and rehire dates.

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Types of benefit plansDefined benefit vs. defined contribution

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Two types of plans

Defined benefit

Monthly income received upon retirement is set by a fixed

formula.

Defined contribution

Monthly income received upon retirement is set by the amount

and timing of contributions and the employee’s investment decisions.

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Defined contribution plans The benefit is dependent upon many factors.

– Subject to market fluctuations.

Employee decides how funds are invested (assumes risk).

Examples of defined contribution accounts:

For more information or to schedule a one-on-one with Fidelity or TIAA, visit: http://umurl.us/retplans

401(k) 403(b) 457(b)

Page 9: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Retirement eligibility and plan calculationsThe university’s defined benefit plan

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The UM System pension benefit plan Retirement, Disability, and Death Plan (RDD)

– This is the retirement plan for employees who were hired or vested prior to 10/1/2012.

Contributions– University funds most of pension.– Employee contributes:

1% of first $49,999 in salary. 2% of salary $50,000 and above.

Vesting– 5 years of benefit-eligible service earns a benefit.

FormulaAverage of high five years of consecutive compensation XMultiplier (2.2%) XYears and months of creditable services

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Retirement age

• Age 65 with at least 5 years of service or

• Age 62 with at least 25 years of service

Normal retirement

• Age 55 with at least 10 years of service or

• Age 60 with at least 5 years of service

Earlyretirement

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Salary Average salary =

– Highest five consecutive (pension-eligible) years, divided by five.– Not necessarily last five years.

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Other calculation factors

Service credit The time you spent in a benefit-eligible position; this time must meet

certain criteria under the plan. Credit may include or exclude certain types of leave.

Multiplier 2.2%

Early retirement reduction factor 3 1/3% for each year you retire earlier than age 65.

– Age 62 if you have 25+ years of service.

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Final calculation

Salary Service credit

Multiplier (2.2%)

Early retirement

(possible factor)

$Monthly pension amount

$

12 months

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Benefit calculation: Normal retirement

Normal retirement

Age: 65

Final average salary: $40,000

Multiplier: 2.200%

Service credit: 15 years

Annual benefit – $13,200.00$40,000 X .02200 X 15 = $13,200

Monthly benefit – $1,100.00

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Benefit calculation: Early w/ less than 25 years of service

Early retirement (less than 25 years service credit)

Age: 60

Final average salary: $40,000

Multiplier: 2.200%

Service credit: 15 years

Early retirement reduction: 83.5% (less than 25 years creditable service= 31/3 % X 5 years)

Annual benefit – $11,022$40,000 X .02200 X 15 X .835

Monthly benefit – $918.50

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Does my leave time impact my retirement?

Sick leave – Upon your retirement, you will receive credit for any unused sick time. There is no limit on this

time.

Vacation – Employees can accrue up to a maximum of 352 hours of vacation. When you choose your last

day of work, you will be paid on your regular pay cycle(s) for any unused time. After your vacation time expires, the next day is your first day of retirement. You receive salary and service credit for unused vacation time.

Personal days– Personal days do not have an impact on retirement. This time must be used prior to your last

day at work because they will not be paid out upon termination.

Lump sum payment– Leave time cannot be paid out in lump sum distribution. Sick leave will be credited toward

retirement, but not paid out. Unused vacation accruals will be paid out over time. Personal days must be used before your last working day.

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Pre-retirement death beneficiary

If you pass away before you retire and you are vested, your beneficiary is entitled to a death benefit.

– The benefit to your beneficiary will be no less than 2X your annual salary as of the date of death.

– A lifetime monthly option or lump sum option is available to your beneficiary.

Page 19: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Online retirement calculatorWhat it is and how to use it

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Accessing the calculator

Login to myHR at https://myhr.umsystem.edu

Select Self Service menu > Benefits > Retirement Calculator

Use the retirement calculator, or watch a demo of running an estimate

1

3

2

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Login to the calculator

Use your normal university ID and

password

Choose “Estimate your future pension

payments”

Click “I’ve read and understood the

disclaimer”

1 2 3

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Using the calculator

Complete the fields shown and click “submit”

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Review calculation results

To access your results:1. Click “see payment options” or2. Select “printer friendly” to bring up your printing options.

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Pension decisionsDeciding how you want your pension to be paid out

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1. Do you want a lump sum payment at the start of your retirement?

2. Do you want to provide a payment to a survivor?

3. Do you want to adjust monthly payments to account for increases in the cost of living?

guaranteedincrease

Three decisions

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Payment elections are irrevocable. Consult a financial advisor (or two).

Why do some retirees choose a lump sum?

Invest elsewhere

Defer taxes

Pay debt

Why choose a lump sum payment?

3. Guaranteed increase?

2. Payment to survivor?

1. Lump sum at start?

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Choose your lump sum amount

3. Guaranteed increase?

2. Payment to survivor?

1. Lump sum at start?

10%

20%

30%

Choosing to take a lump sum payment reduces your monthly pension payments by the same % of your election lump sum (10, 20, or 30%)

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2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Do you want to designate a beneficiary?

yesno

Do

you

wan

t to

desi

gnat

e an

ann

uita

nt?

noye

s

Single LifeAnnuity

Joint & Survivor Annuity

Single LifeAnnuity with

guaranteed payment period

Joint & Survivor Annuity with

guaranteed payment period

10 yr

10 yr

Decision 2: Provide a payment to a survivor?

Page 29: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Retirement date: Mar. 1, 2016

Lifetime payment to you.

Highest monthly payment.

Stops after your death.

Married employees may choose this annuity with a waiver.

How the Single Life Annuity works

Single Life benefit: $1,200 per month

Benefit begins: Mar. 1, 2016

Retiree dies: June 15, 2035

Monthly payments stop: June 15, 2035

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2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Retirement date: Mar. 1, 2016 One monthly payment over

both lifetimes.

Stops after both deaths.

Amount depends on age and percentage you want annuitant to get if you predecease them. Married: 50%, 75%, or 100% Single: 50%

How the Joint & Survivor Annuity works

Joint and Survivor: 50% benefit; $1,000 per month

Benefit begins: Mar. 1, 2016

Retiree dies: 1 year after retirement

Annuitant’s monthly payment begins: June 1, 2017; $500 (50% of what the retiree was receiving)***

Monthly payments stop: Upon death of annuitant

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2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Retirement date: Mar. 1, 2016 Available for both the Single

Life Annuity and Joint & Survivor Annuity.

Beneficiary payments stop at end of period.

10 years starting from retirement date.

Reduces monthly payment to set aside for beneficiary.

How the Guaranteed Payment Period works

Single Life benefit: $1,100 per month

With a Guaranteed Payment Period: 10 years

Benefit begins: Mar. 1, 2016

Retiree dies: 1 year after retirement**

GPP monthly payment begins: continues for 9 years; $1,100 per month (same as retiree)

GPP payment stops: Mar. 1, 2026;10 years from retire date

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2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Retirement date: Mar. 1, 2016

Joint and Survivor: 50% benefit; $1,000 per month

Benefit begins: Mar. 1, 2016

Retiree dies: 1 year after retirement

Annuitant’s monthly payment begins: March 1, 2017; $500 (50% of what the retirees was receiving)

Monthly payments stop: Upon death of annuitant

Retirement date: Mar. 1, 2016

Joint and Survivor: 50% benefit; $1,000 per month

Benefit begins: Mar. 1, 2016

Joint annuitant dies: 1 year after retirement

Pop-up payment begins: March 1, 2017; $1,200 per month (equivalent to the Single Life Annuity amount)

Monthly payment stops: Upon the retiree’s death

Automatic increase to the Single Life Annuity amount upon death of joint annuitant.

How the Pop-up Provision works

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2. Payment to survivor?

1. Lump sum at start?

3. Guaranteed increase?

Guaranteed Cost of

Year 1monthly

payments

Year 2monthly

payments

Year 3monthly

payments

How the Guaranteed COLA works

Year 2monthly

payments

Year 1monthly

payments

Year 3monthly

payments2% 2% etc.

Same monthly payment amount throughout retirement

Page 34: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Retirement insurancePlanning and premiums

Page 35: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

If you retire prior to 1/1/18

You may continue benefits you were enrolled in immediately prior to your retirement date.– Except long term disability.– As a retiree, you may not re-enroll in medical, dental, or life insurance once you drop coverage.

Adjust insurance coverage levels during Annual Enrollment prior to your retirement.– Unable to add a spouse or dependents to your medical coverage during retirement.

Exception is dependent children under the age of 26.

Page 36: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Premium determination prior to 1/1/18

Premium calculation based on:– Age. – Years of service.

University subsidy based on:– Employee service.– Dependents.

Medicare can impact premiums.– Primary v. secondary.

Age of retirement

Years of service

Subsidy level score

≤ 74Level

1

75-89Level

2

≥ 90Level

3

Page 37: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Premium estimate before 1/1/2018

Premiums vary from person to person depending on a variety of factors, including:

If you are considering retirement before 1/1/18, we suggest you visit our online Retiree Insurance Premium Estimator. Rates are based on the current calendar years premiums:

– https://www.umsystem.edu/forms/retiree-premium-estimator

Coverage Level

Years of ServiceAge Etc.

Page 38: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Retirement insurance changes Effective 1/1/2018Access Category information

Page 39: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

≤4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25*≤ 25 D C C C C C C C C C C C C C C C C C C C C C26 D C C C C C C C C C C C C C C C C C C C C C27 D C C C C C C C C C C C C C C C C C C C C C28 D C C C C C C C C C C C C C C C C C C C C C29 D C C C C C C C C C C C C C C C C C C C C C30 D C C C C C C C C C C C C C C C C C C C C C31 D C C C C C C C C C C C C C C C C C C C C C32 D C C C C C C C C C C C C C C C C C C C C C33 D C C C C C C C C C C C C C C C C C C C C C34 D C C C C C C C C C C C C C C C C C C C C C35 D C C C C C C C C C C C C C C C C C C C C C36 D C C C C C C C C C C C C C C C C C C C C C37 D C C C C C C C C C C C C C C C C C C C C C38 D C C C C C C C C C C C C C C C C C C C C C39 D C C C C C C C C C C C C C C C C C C C C C40 D C C C C C C C C C C C C C C C C C C C C C41 D C C C C C C C C C C C C C C C C C C C C C42 D C C C C C C C C C C C C C C C C C C C C C43 D C C C C C C C C C C C C C C C C C C C C C44 D C C C C C C C C C C C C C C C C C C C C C45 D C C C C C C C C C C C C C C C C C C C C C46 D C C C C C C C C C C C C C C C C C C C C C47 D C C C C C C C C C C C C C C C C C C C C C48 D C C C C C C C C C C C C C C C C C C C C C49 D C C C C C C C C C C C C C C C C C C C C C50 D C C C C C C C C C C C C C C C C C C C C C51 D C C C C C C C C C C C C C C C C C C C C C52 D C C C C C C C C C C C C C C C C C C C C C53 D C C C C C C C C C C C C C C C C C C C C C54 D C C C C C C C C C C C C C C C C C C C C C55 D C C C C C C C C C C C C C C C C C C C C B56 D C C C C C C C C C C C C C C C C C C C B B57 D C C C C C C C C C C C C C C C C C C B B B58 D C C C C C C C C C C C C C C C C C B B B B59 D C C C C C C C C C C C C C C C C B B B B B60 D C C C C C C C C C C C C C C C A A A A A A61 D C C C C C C C C C C C C C C B A A A A A A62 D C C C C C C C C C C C C C B B A A A A A A63 D C C C C C C C C C C C C B B B A A A A A A64 D C C C C C C C C C C C B B B B A A A A A A65 D C C C C C C C C C C B B B B B A A A A A A66 D C C C C C C C C C B B B B B B A A A A A A67 D C C C C C C C C B B B B B B B A A A A A A68 D C C C C C C C B B B B B B B B A A A A A A69 D C C C C C C B B B B B B B B B A A A A A A≥70 D C C C C C B B B B B B B B B B A A A A A A

≤4 yrs. of service 25*

≥ 70

age

as o

f 12/

31/2

017

≤ 25

Access Category C:On 12/31/2017:Age + Yrs of Service < 80Yrs of Service ≥ 5

Access to UM retiree insurance:As long as employee works to at least age 60 & 20 yrs. service:• UM coverage• Subsidy is $100/yr. for each Year of

Service; $2,500 max. annually

Access Category A:On 12/31/2017:Age ≥ 60Yrs of Service ≥ 20

Access to UM retiree insurance:• UM coverage• Current % subsidy

Access Category D:On 12/31/2017:Yrs of Service < 5

Access to UM retiree insurance:• Ineligible

Access Category B:On 12/31/2017:Age + Yrs of Service ≥ 80But either Age < 60 or Yrs < 20

Access to UM retiree insurance:As long as employee works to at least age 60 & 20 yrs. service:• UM coverage• Current % subsidy

* Employees with ≥ 25 Yrsof Service will fall into categories A, B , or C depending on Age and Yrs of ServicePlan closing to employees with

less than 5 Years of Service, as well as new hires

Note:Criteria for a given Access Category must be met before the effective date of 01/01/2018 (e.g., must be Age 60 with 20 Years of Service by 12/31/2017 to be in Access Category A).

!

Page 40: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

If you retire 1/1/18 or later

The Access Category you met on 12/31/17 will determine your eligibility to continue insurance as a retiree. If eligible, you may continue the benefits you were enrolled in immediately prior to your retirement date.

– Except long term disability.– As a retiree, you may not re-enroll in medical, dental, or life insurance once you drop

coverage.

If eligible for insurance as a retiree, adjust insurance coverage levels during Annual Enrollment prior to your retirement.

– Unable to add a spouse or dependents to your medical coverage during retirement. Exception is dependent children under the age of 26.

Page 41: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

• Premium calculation based on• Age • Years of service

• University subsidy based on• Employee service• Dependents covered

• Medicare can impact premiums• Primary v. secondary

Age of Retirement

Years of Service

Subsidy Level Score

≤ 74Level

1

75-89Level

2

≥ 90Level

3

Access Categories A & B

Access Category C• Upon your retirement date, if you are

at least age 60 with at least 20 years of service, you will be eligible for a subsidy to purchase UM-sponsored Insurance. $100 subsidy for every year of

service you earned, up to a maximum total subsidy of $2,500 per year.

Access Category D• Not eligible to continue insurance as

a retiree, but eligible for a pension based on plan eligibility.

Premium determinations for retirements 01/01/2018 and later

Page 42: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

REMEMBER

The decision of when to retire is an individual one and involves many factors, including your age and years of service, the pension benefits you have earned, other retirement savings you may have, your insurance coverage options (both with and outside the university), and your own career and personal aspirations.

• There is time to evaluate your options, and understand how the approved recommendations may or may not impact you.

• It is very important that you run estimates on the online calculator and use the other online resources available before requesting a one-on-one appointment, so that you might have the most valuable and personalized discussion possible.

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Retirement insuranceMedical plans available in retirement

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The university offers several medical plan options to eligible retirees.

Medical plan options in retirement

Non-Medicare retirees and their Non-Medicare dependents

UM self-insured plans administered by

UnitedHealthcare

Retiree Health PPO (different than active employee PPO), or

Healthy Savings Plan

Prescription drug coverage with Express Scripts (ESI) as a

self-insured product

Medicare-eligible retirees and their Medicare-eligible dependents

UnitedHealthcare Group Medicare Advantage Plans

Base Plan, or the option to buy-up to an Enhanced Plan

Prescription drug coverage with Express Scripts (ESI) as a

fully-insured product

Page 45: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Medicare eligibility

90 days before Medicare eligibility, or retirement date if already over age 65, apply for Medicare Part A and Part B at:• www.socialsecurity.gov/medicareonly or, • Your local Social Security office

The Medicare Advantage plans sponsored by the university require:• Enrollment in both Medicare Part A and B.• Continued payment of Part B premiums in addition to

university premiums.

Page 46: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Medicare resources

Medicare information can be found at www.medicare.gov/.

UM System Medicare webinars:– http://umurl.us/retsem

CLAIM- Missouri State Health Insurance Assistance Program– A nonprofit organization offering free and confidential services to assist Missourians

with Medicare. Medicare education Medicare Advantage Supplemental policies Medicare Prescription Drug Program Billing issues

– Contact Online: www.missouriclaim.org Phone: 1-800-390-3330

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Retirement insuranceAncillary plans

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Dental and vision plans

Dental– You may retain your dental insurance if enrolled immediately prior to

retirement. Retiree dental plan is the same as the plan for active employees.

– Deductibles.– Co-pays.– Coverage levels.

Vision– May add or drop during Retiree Annual Enrollment

No mid year changes.

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Group term life insurance

Note: After age 70, conversion privileges are available directly with the life insurance company. Subsidies are based on your age.

Age 70• 0% coverage

Age 65• 35% coverage

Age 60• 50% coverage

Age 55• 75% coverage

Group term life insurance

Page 50: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Group term life insurance

Note: Subsidies are based on age and service at retirement.

Ages 80+• $0

Ages 75-79• $10,000

Ages 70-74$25,000

Ages ≤ 70• $50,000

Accidental Death & Dismemberment

Page 51: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Other life insurance plans

Dependent life– Spousal coverage does not expire.

Premiums increase with age.– Dependent child coverage ends when they turn 26.

Supplemental life– Does not expire.

Premiums increase with age.

Page 52: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Missouri income tax Federal income taxHealth care premiumDental premiumVision premium Life insurance premiumAccidental Death premium

Deductions from your pension check

Page 53: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Retirement processWhat do I need to do to retire from the university?

Page 54: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

So when can I retire??

Staff/faculty: 12 month appointment

Any date once eligible.

Regardless of your appointment type, you are eligible to retire once you meet the basic

retirement eligibility.

At least age 55 with at least 10 years of service, orAt least age 60 with at least 5 years of service

Faculty:9 month appointment

Once eligible, can only retire on 2 dates each year:

• March 1• September 1

Page 55: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

How to submit your decisions1. Submit a Notice of Intent to Retire form along with Marriage

Certificate/Divorce Decree.2. Receive New Retiree Email from the Office of Human Resources.

– This email includes, if eligible, retiree insurance election forms. Complete election forms and return to the UM System Office of Human Resources prior to your

actual retirement date.

3. Receive a retirement pension election packet via email.– This packet includes your pension benefit election and retiree payroll forms.

You must complete all forms and return by deadline included in packet.

60 days prior to retirement

UM System Retirement program receives form and

associated documents

30 days prior to retirement

You will receive yourretirement election

packet

When will I get my pension packet?

Page 56: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Thank you for taking the time to learn more about your benefits with the University of Missouri

System.

Page 57: RDD Seminar - FINAL - 12-23-2016 · Rehire retiree rules While re-employed the UM System after retirement, you can continue receiving your pension and any retiree insurance you are

Visit umurl.us/retire for more

HR Service Centerumurl.us/hrsc(573) [email protected]


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October 7, 2015. Agenda Credit Union Deductions from Employees’ Paycheck Student Employment Employment of Relatives Rehire Retiree Electronic Document.

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RDD Fundamentals Streaming MLlib GraphX RDD API DataFrames API and Spark SQL Workloads Driver Program Ex RDD W RDD T T Ex RDD W RDD T T Worker Machine Worker Machine Resilient Distributed

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RETIREE BENEFITS EMBRACE BENEFITS · 2020-04-02  · Retiree + Family $38.41 Basic Retiree Only $16.92 Retiree + Children $33.89 Retiree + Spouse $37.77 Retiree + Family $54.77 Enhanced

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CenturyLink Retiree and Inactive Health Care Plan Retiree ... · SPD Updated October 2019 CenturyLink Retiree and Inactive Health Care Plan Retiree Health Reimbursement Account (HRA)

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RDD - AirConcepts Incairconceptsinc.com/Specifications/RDDBrochure.pdf · 2016-02-10 · RDD RDD Wall/Ceiling Mount RDD-RD Exposed Round Duct RDD-RR Exposed Round Duct 1/2” 1/4”

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