Michigan Office of Retirement Services

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Michigan Office of Retirement Services

Big Plans. Small Steps. ORS serves over 550,000 customers, representing one of every fourteen Michigan adults.

The Office of Retirement Services administers retirement programs for Michigan's state employees, public school employees, judges, state police, and National Guard members. ORS customers live in approximately one of every nine Michigan households. Within these systems, ORS administers four defined benefit pension plans, two defined contribution pension plans, and one combined plan, managing combin

ed net assets of nearly $50.54 billion. ORS is responsible for the 16th largest public pension system in the US and the 48th largest pension system in the world. In fiscal year 2012, ORS paid out over 6.65 billion in pension and health benefits. ORS is a division of Michigan's Department of Technology, Management and Budget.

03/09/2026

Your retirement future isn’t up to chance. Small increases to your contributions today can add up over time and help you feel more prepared for what’s ahead.

02/09/2026

You worked hard to build your retirement savings. Having a thoughtful spending strategy can help you put those savings to work and enjoy the experiences, hobbies, and goals you planned for — without the constant fear of running out of money.

Many millionaire retirees are too afraid to spend the fortune they spent decades building. Here are four tips to move you forward.

01/09/2026

No more guessing games when it comes to your retirement!
Spitballin’ might work in the classroom … but your retirement deserves a real plan.

31/08/2026

Dreaming of retirement at 50? It takes more than saving aggressively — you’ll also need to think about healthcare, income sources, investment strategy, and how to cover the years before Social Security and Medicare.

Retiring by 50 involves building more wealth in less time. So how could you make it happen? Visit Citizens to learn more.

27/08/2026

Some things are fun to leave up to chance. Retirement isn’t one of them. Your future home, hobbies, and how you spend your time are all part of the life you’re building toward. The choices you make today can help give you more control over what comes next.
This back-to-school season, add “check in on my retirement” to your to-do list. A little planning now can go a long way later.

26/08/2026

The backpacks are packed, the schedules are set, and a new school year is underway! While you’re helping students get ready for success, take a moment to check in on your future goals. Some retirement homework today can help you stay on track for tomorrow. Your assignment starts now! What will you check off your list?

25/08/2026

Pawsitively feeling the love on another Pension Payday!

24/08/2026

Retirement can be more than a break from your career — it can be a chance to redefine what a fulfilling life looks like. Take the time to plan for the financial freedom to make choices based on what matters most to you.

21/08/2026

Turning 50 can be a retirement planning pivot, not a deadline. Explore strategies like catch-up contributions, tax planning, and preparing for the years between retirement and Social Security to help close the gap and strengthen your retirement. https://www.bsgadvisers.com/blogs/the-age-50-retirement-pivot--a-practical-guide-to-catching-up-and-closing-the-gap

Address

Opening Hours

Monday	08:30 - 17:00
Tuesday	08:30 - 17:00
Wednesday	08:30 - 17:00
Thursday	08:30 - 17:00
Friday	08:30 - 17:00

Telephone

+18003815111

Website

http://www.michigan.gov/ors

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