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.