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summary sra orp leops pension

Retirement Benefits

All Regular non-exempt employees (other than law enforcement officers) are required to join the Maryland State Modified Teachers/Employees Pension System (MSPS) immediately upon employment.  Regular law enforcement officers are required to join the Law Enforcement Officers Pension System (LEOPS).  Regular Exempt staff and faculty may elect to join either MSPS or the Optional Retirement Program; an election to join the ORP is permanent and irrevocable, while an employee who elects the MSPS may switch to the ORP within 1 year after the initial election.  Contingent employees are not eligible to join a retirement program, other than Supplemental Retirement.

Retirement Benefits
Review the Pension Plan/Optional Retirement Program Comparison Chart for a general overview of plan differences.

Supplemental Retirement Annuity (SRA)

Any employee is eligible for a SRA
Maximum $16,500 in each year per SRA (if 50 years or older, additional $5,500)
Very Flexible
Vendors: PEBSCO/Nationwide, TIAA-CREF, or Fidelity