newbb电子平台新员工的退休选择
作为俄亥俄州的公共雇主, Ohio University and its faculty and staff participate in the State of Ohio's retirement system. 在国家退休制度中, employees have access (depending on eligibility requirements) to retirement plans offered by the State Teachers Retirement System of Ohio (STRS), 俄亥俄州公共雇员退休制度, 和另类退休计划(ARP). All non-student employees of the university must participate in one of the retirement plans.
Ohio University'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. 俄亥俄州的政府雇员不需要缴纳社会保险. 1986年3月31日后受雇的雇员将向联邦医疗保险缴费. 有关社会保障豁免的信息见下文.
Newly Hired Employees
鼓励新聘用的教职员工参加新员工入职培训. Detailed information regarding retirement options are distributed and reviewed at new hire orientation sessions. 联络人力资源部: uhr@fc-daudenzell.com 了解更多有关新员工入职的信息.
Newly hired, full-time employees of Ohio University have a choice between two retirement plans; the state system (OPERS or STRS) and the 另类退休计划(ARP).
新雇员必须在入职后120天内选择退休计划. 如果没有选择，他们将默认使用适用的州计划(OPERS或STRS)。.
This decision is irrevocable; once a plan is elected, 该员工在newbb电子平台的整个工作期间都与该系统保持联系.
oopers和STRS在其系统内为新会员提供三种计划的选择. Those who have previously contributed should contact OPERS (1-866-673-7748) or STRS (1-888-227-7877) to verify options.
*As of December 31, 2021, the Combined Plan will no longer be a plan selection option for OPERS eligible new hires.
新员工退休资源
- 教师退休计划选择比较 [PDF] Revised 8.1.22
- 员工退休计划选择比较 [PDF] Revised 8.1.22
另类退休计划(ARP)
The ARP is a 401(a) defined contribution plan with a choice of providers offering various investment options. Retirement income is based on the investment performance for the total contributions (employee and employer; subject to contribution limits). Contributions may be allocated among various investment options managed by the providers. 参与计划的员工可以在其整个职业生涯中更换ARP提供商.
State Plans
教师有资格获得州教师退休制度(STRS)。. All non-faculty staff are eligible for the Ohio Public Employees Retirement System (OPERS).
STRS和OPERS各提供三种*退休计划:
Defined Benefit Plan
A traditional pension plan in which your benefit at retirement is predetermined via a mathematical formula that uses your years of service, 最终平均工资(最高5年收入的平均值), and your age. You do not make any investment allocation decisions in this plan and do not bear any investment risk.
固定供款计划
这是一种401计划，你的退休福利, or account value, 是否基于在计划的整个生命周期内实现的投资回报. In this type of plan, you make investment allocation decisions regarding your contributions and university contributions, 谘询STRS.
Combined Plan
A hybrid plan in which your retirement benefit is partially determined by the investment returns in a defined contribution account, and partially by a pension style formula using your years of service and final average salary.
For further details regarding plans and options, contact the Human Resources - Benefits Office at benefits@fc-daudenzell.com.
*As of December 31, 2021, the Combined Plan will no longer be a plan selection option for OPERS eligible new hires.
退休计划和雇员及大学供款
教师计划-员工和大学的贡献
Contributions to retirement plans are governed by State of Ohio law and are subject to change. The university and faculty members are required to make contributions to retirement plans as noted below. Contributions are applied to "earnable salary" including base annual salary and additional teaching and research pay. 以下图表反映了捐款情况:
| Contributions | 另类退休计划 | STRS Plans | ||
|---|---|---|---|---|
| Defined Benefit | Defined Contribution | Combined | ||
| 员工的贡献 | 14% | 14% | 14% | 14% |
| 大学的贡献 | 11.09%* | 14% | 11.09%* | 14% |
| Total Contribution | 25.09% | 28% | 25.09% | 28% |
| 大学减轻率对STRS的贡献 | 2.91% | 0% | 2.91% | 0% |
* The Mitigating Rate applies to university contributions to the ARP plan and STRS defined contribution plan. The Mitigating Rate reflects university contributions that are directed to STRS instead of the ARP or STRS defined contribution plan in order to offset the negative impact to STRS funding liabilities created by the existence of the ARP and STRS defined contribution plan. This means that the university contributes less to the ARP and STRS defined contribution plan than it does to the STRS defined benefit pension plans.
OPERS and STRS announce 另类退休计划 contribution changes effective 7/1/22
员工计划-员工和大学的贡献
Contributions to retirement plans are governed by State of Ohio law and are subject to change. The university and staff members are required to make contributions to retirement plans as noted below. Contributions are applied to "earnable salary" including base annual wages and certain additional pay such as overtime pay. 以下图表反映了捐款情况:
| Contributions | 另类退休计划 | OPERS Plans | ||
|---|---|---|---|---|
| Defined Benefit | Defined Contribution | Combined** | ||
| 员工的贡献 | 10% | 10% | 10% | 10% |
| 大学的贡献 | 11.76%* | 14% | 11.76%* | 10.5%* |
| 计划供款总额 | 21.76% | 24% | 20.5% | 20.5% |
| 大学纾缓税率对税务署的贡献 | 2.24% | 0% | 2.24% | 3.5% |
* The Mitigating Rate applies to university contributions to the ARP plan and OPERS defined contribution plan. The Mitigating Rate reflects university contributions that are directed to OPERS instead of the ARP or OPERS defined contribution plan in order to offset the negative impact to OPERS' funding liabilities created by the existence of the ARP and OPERS defined contribution plan. This means that the university contributes less to the ARP and OPERS defined contribution plan than it does to the OPERS defined benefit pension plans.
OPERS and STRS announce 另类退休计划 contribution changes effective 7/1/22
***As of December 31, 2021, the Combined Plan will no longer be a plan selection option for OPERS eligible new hires.
退休供款限额
The Internal Revenue Service places limits on the amount of contributions and compensation on which contributions may be remitted for employees. These limits vary depending on the type of plan an employee participates in and are based on compensation limits under 401(a)(17) and contribution limits under 415(c) of the Internal Revenue Code.
补充退休帐户
Ohio University also offers voluntary supplemental retirement accounts including 403(b) tax deferred annuities and 457 deferred compensation accounts. 我们鼓励员工参加其中一个或两个项目. 补充退休帐户受美国国税局的延期限制. Learn more about investing on your own.
Social Security
州和地方政府
为州或地方政府机构工作, 包括学校系统, college or university, 社会保障是否可以覆盖. 要了解更多信息，请访问社会保障 退休福利规划师网站.
意外之财消除准备(WEP)计算器
The Social Security WEP福利计算器 是由社会保障局维持的吗.- It is designed to allow you to estimate any benefits you may have earned for work covered by Social Security.-激光器不赞助计算器, 它也不能保证您使用它可能得到的任何计算. Any comments or questions- regarding the Social Security WEP Calculator should be addressed to the Social Security Administration at CalculatorMaster@ssa.gov.
Learn more about the 横财抵销规定.
政府退休金抵扣
如果你从联邦政府领取养老金, 州或地方政府根据你在工作中没有缴纳社会保障税, 你的社会保障配偶或寡妇或鳏夫的福利可能会减少. 要了解更多信息，请访问社会保障 退休福利规划师网站.