Retirement Information

Retirement Plan Selection for New Hires

  • New Hires should view the Retirement Plan Selection page for steps to submit initial selection.
  • New Hires are required by law to submit retirement selections prior to their first day of employment.  New hires should review the information in the above link prior to submitting their new hire paperwork.
  • Delayed retirement selection may delay the receipt of a new employee’s first paycheck.

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


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; retirement election is permanent and irrevocable.  Please see the following memo regarding recent (7/1/2017) law changes with respect to retirement 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.

Supplemental Retirement Accounts (SRA)

Benefit Calculators/Estimators

Maryland State Retirement and Pension System Online Benefit Estimators

Social Security Benefits Calculators

Maryland State Retirement Agency

Maryland State Retirement/Pension System

Law Enforcement Officers Pensions System (LEOPS) 

MSRA Retirement Counseling & General Information

Mentor Newsletter from the State Pension System

Optional Retirement Plan Information

ORP Webpage

Vendor Contact Information

Pre-Retirement Planning

To schedule a one-on-one consultation with a member of the HR Benefits team, please email (typically when you are within 12 months of retirement):

ORP Pre-Retiree Checklist

Pension Pre-Retiree Checklist

Pension Pre-Retirement Seminars