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The Michigan Office of Retirement Services (ORS) administers retirement programs for Michigan 's state employees, public school employees, judges, state police, and National Guard. ORS also provides various retiree healthcare benefits, including traditional insurance plans, Personal Healthcare Funds, and Health Reimbursement Accounts.
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Their benefits get slashed. But those reduced benefits can add up. If you take Social Security before full retirement age, you should expect a 30% reduction in monthly benefits, according to Fidelity.
Before you begin the application on the next page, the SSA advises to consider what month you want to start your retirement benefits and if you want to also apply for Medicare at this time — or ...
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The Office of Retirement Services (ORS) administers defined benefit, defined contribution, hybrid, and deferred compensation retirement programs for Michigan's state employees, public school employees, judges, state police, and National Guard. Plans for over 550,000 public servants and their families, representing 1 in 9 Michigan households.
Benefits are reduced up to 30% if you claim benefits at age 62 versus full retirement age. You can receive even more if you wait until age 70. The difference between taking benefits at 70 versus ...