Skip to Main Content

Retirement Information

Please see the documents below to learn more about Retirement Benefits at UMBC. Questions? Please contact the Benefits Staff.


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.

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

Maryland State Retirement/Pension System
Law Enforcement Officers Pension System (LEOPS)
Optional Retirement Program (ORP)
Supplemental Retirement Annuity Programs (SRA)
New Employees  – Important Retirement Plan Selection Information

Benefit Calculators/Estimators

Maryland State Retirement and Pension System Online Benefit Estimators

Social Security Benefits Calculators

Maryland State Retirement Agency

Pre-Retirement Seminars

MSRA Retirement Counseling & General Information

Mentor Newsletter from the State Pension System