退休
All non-student employees appointed for 4 1/2 months and working at least half-time are required to participate in the 教师退休制度 as a condition of employment. 全职教师, 图书馆员, coaches, physicians and executive staff are eligible to elect the 选择性退休计划(ORP) in lieu of TRS.
资格
You are eligible to retire when you meet the Rule of 80 (age plus years of service) with five years of service. You are also eligible to retire if you are age 65 with five years of service. For TRS, there are different early age retirement eligibility criteria depending on what tier you are in. 就退休年金计划而言，你会在退休时领取每月的年金. 对于ORP，您可以选择如何接收您的金额.
会话信息
We host retirement sessions several times a year to help you be prepared and plan for retirement. 您需要在人才管理中注册即将到来的活动. 这些课程是为了员工的利益, 因此，与会者将不会接受专业发展培训.
检查进度Plans
社会保障计划
All employees are required to participate in the Federal Social Security program as a condition of employment. 社保工资基数为13.77万美元，医疗保险则不受限制. 社会保险的税率是6%.雇员占2%，6%.雇主占2%. 医疗保险的税率是1.45%由员工支付，另外还有0.收入在20万美元以上的雇员，税率为9%.45%由雇主决定. 所有员工必须提供有效的社会保障卡.
教师退休制度
员工供款8.25%，国家出资8%.员工工资的25%. 雇员供款是递延纳税的. 利息每年8月31日记入会员账户. 会员在5年的诚信服务后获得奖励. TRS is a defined program offering death, survivor, disability, and retirement annuity benefits. 供款率并无保证，并视乎法例的改变而定.
选择性退休计划(ORP)
员工供款6.65%，国家出资6%.雇员工资的6%. 雇员供款是递延纳税的. 这些供款存入雇员选择的ORP承保人. 参与者在参加ORP一年零一天后获得奖励. ORP is a defined contribution plan with benefits based upon individual investment decisions. The University accepts no fiduciary responsibility for the outcome of one’s ORP. 供款率并无保证，并视乎法例的改变而定.
An employee that is eligible for the Texas 选择性退休计划(ORP) for the first time has a one-time period of ninety (90) calendar days from his/her eligibility date to enroll in the ORP (this enrollment deadline also applies to those appointed on a “visiting” status for at least one full semester of more than (4) four months). The 90-day waiting period begins on the first day of eligibility to participate in TRS and continues to run even after separation. An employee can continue to participate in ORP if less than full-time only after completing one long semester at full-time. 退休 contributions will be paid to the 教师退休制度 until an election to participate in the ORP is made. The State matching contributions to the TRS are not refundable, only employee contributions.
补充403(b)免税年金
所有员工都可以参加税前403(b)计划. 参与是自愿的，一年中的任何时候都可以报名. 投资仅来自员工供款. 年度供款限额由美国国税局代码规定. The 补充403(b)免税年金 Plan allows employees to accumulate investment funds through salary reductions, thereby deferring the payment of income tax on contributions until a future time. The employees’ 403(b) contributions are subject to all applicable internal revenue codes. 减薪数额以内部收入年度限额为基础, catch-up, 以及最高供款规定. 参与计划, you must complete enrollment paperwork with the 403(b) vendor to establish an account, 指定受益人, 选择投资选项. 除了, to begin or cease participation in the plan or to make a change to the contribution amount, the participant must complete and forward a 减薪协议 to 人力资源. Contact the SHSU 403(b) Vendor Representatives for more details and to sign up.
德萨牌手表断言457美元
德萨牌手表断言457美元 plan through the Employees 退休 System of Texas (ERS) The 德萨牌手表断言457美元 plan is only available to ERS benefit eligible employees. 符合条件的员工可以在一年中的任何时候参加457计划. 受过高等教育的雇员没有资格参加401(k)计划. 德州$ ver457由Empower 退休管理TM. 投资仅来自员工供款. 年度供款限额由美国国税局代码规定. Employees can enroll in the 德萨牌手表断言457美元 online or by telephone at any time by following these steps:
- 查看texas $aver程序的概述.
- View the Comparison of the 德萨牌手表断言457美元 Plan and a 403(b) chart to help with your decision.
- 决定每个月应该从你的薪水中扣除多少税款. 这叫做你的延期.
- 在texas $aver网站注册或致电(800)634-5091.
哪一种最适合你?
ORP / SRP供应商
当前的供应商
SHSU provides this list for information purposes only and accepts no fiduciary responsibility for the market value or financial stability of the companies. The employee is responsible for selecting and monitoring their company and investments. 投资不受联邦或州保险的担保. Questions about specific companies can be referred to insurance rating companies or the Texas Department of Insurance. ORP供款率并无保证，并会因法例改变而有所调整.
| Company | 基金提供 | Phone | Website |
|---|---|---|---|
| Fidelity | Mutual | 1-800-343-0860 | Visit |
| Voya (原荷兰国际集团(ING)) | Fixed & Variable |
罗伯特Waddell 281-486-4000 |
Visit |
| MetLife | 固定、可变 & Mutual |
珍珠多德 713-478-9380 |
Visit |
| Pentegra信托公司 | Mutual |
蒙特伯德 979-865-0660 |
Visit |
| TIAA (原美国教师退休基金会) | Fixed & Variable | 1-800-842-2273 | Visit |
| Corebridge (原Valic) | Fixed & Variable |
玛丽莎·克恩 281-728-4286 |
Visit |
新供应商
每年我们系都会审核十月底之前提交的申请. 供应商必须遵守以下说明和规定.
Elect & 做出改变
Eligible employees may use the forms below to elect and manage their retirement account(s).
以前参加ORP
Complete this form if you've previously been enrolled in Texas ORP with a previous state employer.
事前参与证明退休人员重返工作岗位
A return-to-work retiree must have at least one (1) full calendar month break in service before being eligible to return to work in higher education and retain the benefits (access retirement funds, etc.)的退休身份.
Break in Service Definition -- A period following a participant’s termination of all employment with all Texas public institutions of higher education or the Board that is at least one (1) full calendar month in which no ORP/TRS contribution is made, excluding the three (3) summer months for faculty members who were participating in ORP/TRS at the end of the spring semester immediately preceding the summer and who resume ORP/TRS participation with the same or another Texas public institution of higher education in the fall semester immediately following that summer, 不包括无薪休假. A transfer between Texas public institutions of higher education with less than a full calendar month in which no ORP/TRS contribution is made shall not be considered a break in service.
退休人员失去领取长寿工资的资格, 并将累积假期, 如果符合条件, based upon state service since their hire date but are not required to re-establish the six-month’s continuous service requirement in order to take vacation with pay.