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2012 Publication 721 - Internal Revenue Service

2012 Publication 721 - Internal Revenue ServiceUserid: CPM Schema: tipx Leadpct: 100% Pt. size: 10 Draft Ok to Print AH XSL/XML Fileid: … tions/P721/2012/A/XML/Cycle03/source (Init. & Date) _______ Page 1 of 33 12:45 - 1-Feb-2013 The type and rule above prints on all proofs including departmental reproduction proofs. MUST be removed before printing. Department of the Treasury Internal Revenue Service Publication 721 Cat. No. 46713C Tax Guide to U.S. Civil Service Retirement Benefits For use in preparing 2012 Returns Get forms and other Information faster and easier by: Internet IRS.gov Contents What's New .............................. 1 Reminders ............................... 1 Introduction .............................. 2 Part I General Information ................... 3 Part II Rules for Retirees .................... 5 Part III Rules for Disability Retirement and Credit for the Elderly or

Select Your Retirement Plan - South Carolina Retirement Systems

Select Your Retirement Plan - South Carolina Retirement SystemsTHIS DOCUMENT CONTAINS AN ABBREVIATED DESCRIPTION OF THE RETIREMENT BENEFITS What’s Inside OFFERED BY THE SOUTH CAROLINA RETIRE- MENT SYSTEMS. THE INFORMATION IN THIS The Retirement Plans................................ 1 DOCUMENT IS MEANT TO SERVE AS A GUIDE Enroll in Your Chosen Plan...................... 2 FOR OUR MEMBERS AND DOES NOT CONSTI- Investment Providers................................ 3 TUTE A BINDING REPRESENTATION OF THE Selecting the

Private Pension Plan Bulletin Historical Tables and Graphs

Private Pension Plan Bulletin Historical Tables and GraphsPrivate Pension Plan Bulletin Historical Tables and Graphs U.S. Department of Labor Employee Benefits Security Administration November 2012 2010 Data Release Version 1.0 E7. Number of Participants in Pension Plans with 100 or More TABLE OF CONTENTS Participants by type of plan, 1975-2010.............................................................8 SECTION E: HISTORICAL TABLES AND GRAPHS E8. Number of Active Participants in Pension Plans by type of plan, 1975-2010.............................................................9 E1. Number of Pension Plans by type of plan, 1975-2010.............................................................1 E8g. Number of Active Participants in Pension Plans (Graph) by type of plan, 1975-2010…………………………………...…10 E1g. Number of Pension Plans (Graph) by type of plan, 1975-2010.............................................................2 E9. Number of Active Participants in Pension Plans with Fewer than 100 Active Participants E2. Number of Pension Plans with Fewer than 100

Retirement Plan Report - The Portfolio Analysis Tool has Arrived

Retirement Plan Report - The Portfolio Analysis Tool has Arrived!!!Sample Client 1’s Retirement Plan Prepared by Sample Advisor 1 Sample Financial Services Inc. New York, New York Prepared for Sample Client 1 7/15/2011 by Sample Advisor 1 Page 1 of 26 Table of Contents Basics of Retirement Planning .......................................................................................................... 2 Your Retirement Plan at a Glance ..................................................................................................... 3 Your Financial Assumptions .............................................................................................................. 4 Scenario Analysis #1 .......................................................................................................................... 5 Scenario Analysis Assumptions #1 .................................................................................................... 6 Scenario Analysis #2 .......................................................................................................................... 7 Scenario Analysis Assumptions #2 .................................................................................................... 8 Your Portfolio Summary .................................................................................................................... 9 Your Portfolio Analytics ................................................................................................................... 10 Your Selected Investment Style ....................................................................................................... 11 Your Current Positions..................................................................................................................... 12 Cash ......................................................................................................................................... 12 Bonds ...................................................................................................................................... 12 Equity ...................................................................................................................................... 12 Mutual Funds .......................................................................................................................... 13 ETFs ......................................................................................................................................... 13 Your Projected Retirement Lifestyle ................................................................................................ 14 Your Projected

Mandatory Retirement Plan Decision Guide

Mandatory Retirement Plan Decision Guide - University of North ...The University of North Carolina Your Mandatory Retirement Plan Decision Guide > Appalachian State University East Carolina University Elizabeth City State University Fayetteville State University NC A&T State University North Carolina Central University NC State University UNC – Asheville UNC – Chapel Hill UNC – Charlotte UNC – Greensboro UNC – Pembroke UNC – Wilmington UNC School of the Arts Western Carolina University Winston-Salem State University NC School of Science and Mathematics Other Affiliates: – UNC Health Care – UNC Press Your Retirement TSERS ORP Overview Plan Your Helpful Retirement, Program Basics Basics of TSERS Comparison Enrollment Resources Your Basics and the Examples Checklist and < 1 > Choice ORP Contacts Your Retirement, Your Choice At The University of North

Tennessee Consolidated Retirement System Employer Manual

Tennessee Consolidated Retirement System Employer ManualTennessee Consolidated Retirement System Employer Manual Internet Site: www.tcrs.tn.gov Tennessee Consolidated Retirement System Employer Manual Table of Contents SECTION PAGE 100 Introduction ...................................................................................................... 1 200 Membership ..................................................................................................... 3 300 Reporting Salary, Contributions and Service Credit .................................. 13 400 Current and Prior Service ............................................................................... 23 500 Refund ............................................................................................................... 33 600 Retirement Benefits ......................................................................................... 37 700 Retired Payroll ................................................................................................ 51 800 Funding of the Retirement System ............................................................... 55 900 General Information ........................................................................................ 59 1000 Optional Provisions for Political Subdivisions .......................................... 63 1100 Optional Retirement Plan .............................................................................. 73 Treasury Department Authorization #309221; March 2012 This web-based publication was created at a cost of $172.00. E m p l o y e r M a n u a l 100INTRODUCTION This employer manual has

Employment-Based Retirement Plan Participation

Employment-Based Retirement Plan Participation - Employee ...A monthly research report from the EBRI Education and Research Fund © 2012 Employee Benefit Research Institute November 2012 • No. 378 Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2011 By Craig Copeland, Ph.D., Employee Benefit Research Institute AT A GLANCE In 2011, the percentage of workers participating in an employment-based retirement plan was essentially unchanged from a year earlier. Specifically, the percentage of all workers (including part-time and self- employed) participating in an employment-based retirement plan moved from 39.6 percent in 2009, to 39.8 percent in 2010, to 39.7 in 2011. The increase in the number of workers participating in 2011 halted the three year decline from 2008–2010. Some of the categories examined had increases in

Gifts of Retirement Plan Assets - Providence Foundations

Gifts of Retirement Plan Assets - Providence FoundationsGifts of Retirement Plan Assets Qualified retirement plans are those that receive favorable income tax treatment during an employee’s lifetime. No income tax is due on the funds as contributed, and no income tax is due on the earnings and appreciation while in the plan. You pay taxes on the funds only when you receive them. Such plans come in many forms: a defined benefit or contribution pension plan, money purchase pension, profit-sharing plan, annuity plan, 401(k) or 403(b) plan, stock bonus plan, Employee Stock Ownership Plan (ESOP) or simplified employee pension (usually a SEP-IRA) from your workplace, and Keogh accounts and Individual Retirement Accounts (IRAs) you set up for yourself. Generally, the undistributed balance of qualified retirement plans is

Supplemental Retirement Plan Decision Guide

Supplemental Retirement Plan Decision Guide - University of North ...The University of North Carolina Your Supplemental Retirement Plan Decision Guide Supplemental Retirement Plans Plan Options Overview Investment Carriers Before You Enroll Ready to EnrollSupplemental Retirement Plans Plan Options Overview Investment Carriers Before You Enroll Ready to Enroll Appalachian State University East Carolina University Elizabeth City State University Fayetteville State University NC A&T State University North Carolina Central University NC State University UNC – Asheville UNC – Chapel Hill UNC – Charlotte UNC – Greensboro UNC – Pembroke UNC – Wilmington UNC School of the Arts Western Carolina University Winston-Salem State University NC School of Science and Mathematics Other Affiliates: – UNC Health Care – UNC Press Supplemental Retirement Plans Plan Options Overview Investment Carriers Before You Enroll Ready to

2013 A Complete Guide to Your UC Retirement Benefits

2013 A Complete Guide to Your UC Retirement Benefitss t i f e n e B t r n u e S e o N O I T t m P I Y R C S e e E D l r N o A L i P p t Y t R A M M e e U m S : S 3 N R d o A L i P 1 T N C E u C M E 0 R I T E R 2 A G U Listed below are telephone numbers and website and correspondence addresses for some of the resources UC employees routinely use. UC EMPLOYEE WEBSITE d l atyourservice.ucop.edu o F UC Human Resources UC Retirement Administration Service Center: 800-888-8267 Hours:

Your Retirement Plan A Member Handbook for Michigan’s Public School

Your Retirement Plan - A Member Handbook for ... - State of MichiganYour Retirement Plan A Member Handbook for Michigan’s Public School Employees Public School Employees Retirement System State of Michigan October 2009 About the Office of Retirement Services The Office of Retirement Ser vices (ORS) is a division of the State of Michigan’s Department of Management and Budget. ORS administers retirement programs for more than half million Michigan state and public school employees, judges, and state police. About This Publication The intent of this publication is to summarize basic plan provisions under Michigan’s Public Act 300 of 1980, as amended. Current laws, rates, and factors are subject to change. Should there be discrepancies between this publication and the actual law, the provisions of the law govern. This publication can be made

Retirement Plan Fees - The Standard

Retirement Plan Fees - The StandardR e t i R e m e n t p l a n s Plan Sponsor’s Guide to Retirement Plan Fees © 2007 StanCorp Equities, Inc. StanCorp Equities, Inc., member NASD/SIPC, distributes group variable annuity and group annuity contracts issued by Standard Insurance Company and may provide other brokerage services. Third party administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc, a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc., and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations. Today’s plan sponsors face the challenge of providing plan governance in an increasingly complex marketplace. For example,

(PERS) Plan 3 Member Handbook - Department of Retirement

(PERS) Plan 3 Member Handbook - Department of Retirement ...Washington State Public Employees’ Retirement System (PERS) – Plan 3 Facts in a Flash 2 Plan Summary 3 How to contact the Department of Retirement Systems 3 Privacy of your information Welcome to PERS 4 How your plan works 7 Planning for retirement Milestones/ Life Changes 8 Becoming vested 8 Leaving public service 9 Returning to public service 9 Marriage or divorce 9 When the unexpected happens 10 Retirement planning checkup Approaching Retirement 11 Service retirement 12 Early retirement 12 Retiring as a dual member 13 Estimating your benefit 13 Purchasing additional service credit 13 Updating your plan for retirement Ready to Retire 13 Applying for retirement 14 Your defined benefit options 14 Health insurance coverage 14 Federal benefit limit

The Facts About Florida's Public Retirement Plans

The Facts About Florida's Public Retirement Plans - Florida AFL-CIOFlorida Retirement Security Coalition The Facts About Florida’s Public Retirement Plans February 2013 Florida Retirement Security Coalition The Facts About Florida’s Public Retirement Plans 2 Introduction Retirement plans for state and local government workers affect millions of Floridians and boost the state economy. These plans directly impact about 1.2 million current or former public employees in Florida and millions of their dependents and other family members. In addition, tens of thousands of Florida businesses benefit each day when retirees spend their retirement checks on goods and services in every community in Florida. These vital benefits are provided through the Florida Retirement System and almost 500 local government retirement plans. The Facts About Florida’s Public Retirement Plans is designed to help

Teachers and State Employees - Retirement System

TEACHERS' AND STATE EMPLOYEES' RETIREMENT SYSTEMTEACHERS’ AND STATE EMPLOYEES’ RETIREMENT SYSTEM your retirement benefits Department of State Treasurer Raleigh, NC Revised January 2012 teachers’ and state employees’ retirement system NORTH CAROLINA DEPARTMENT OF STATE TREASURER RETIREMENT SYSTEMS DIVISION JANET COWELL STEVEN C. TOOLE STATE TREASURER DIRECTOR Welcome to the North Carolina Retirement Systems! The Department of State Treasurer, which administers the retirement systems for state and local government employees, is committed to providing you with information that will help you make informed de- cisions about your financial future. I encourage you to familiarize yourself with the benefits described in this booklet. This handbook outlines the benefits available to you as a member of the Teachers’ and State Employees’ Retirement System, including: ■■ Benefits you will

FLorida Retirement System Offers Two Retirement Plans

FLorida Retirement System offers two retirement plans, the Pension ...FLorida Retirement System offers two retirement plans, the Pension Plan and the Investment Plan. All salaried (A&P, Faculty and USPS) employees at Florida International University are eligible for membership. Non-exempt employees are automatically enrolled in the FRS Pension Plan when hired and have 180 days from their date of hire to choose between the Pension Plan and the Investment Plan below. Pension Plan: Traditional Plan (6 year vesting requirement): A defined benefit plan sponsored by the State of Florida which provides a monthly retirement benefit based on years of creditable service, the value of each year of service and the average final compensation of the five highest years of salary. Deferred Retirement Optional Program (DROP) DROP is a program that

Handbook for - Virginia Retirement System

Handbook for - Virginia Retirement System2 & 1 S n R V a Optional Retirement Plan l for Higher Education P Handbook for Participants in the ORPHE Plan 1 and the ORPHE Plan 2 Providing information about your... plan benefits investments 2 & 1 S n R V a l P Optional Retirement Plan for Higher Education Handbook for Participants For teaching, research and administrative faculty in the Optional Retirement Plan for Higher Education (ORPHE) Plan 1 and Plan 2 The Optional Retirement Plan for Higher Education (ORPHE) is sponsored by the Virginia Retirement System (VRS). You are in the ORPHE Plan 1 if your retirement plan coverage date is before July 1, 2010. You are in the ORPHE Plan 2 if your retirement

Retirement Plan Booklet

Retirement Plan booklet - sdceraRetirement Plan Overview of SDCERA benefits and services for active and deferred, Tier A members San Diego County Employees Retirement Association. RETIREMENT PLAN—TIER A BOOKLET Updated information Page 3 SIDEBAR General members hired on or after March 8, 2002, and before August 28, 2009, are Tier A. If you were hired before March 8, 2002 (and were active at the time), you became a Tier A member on March 8, 2002 (unless you

FAQs on SSA Potential Private Retirement Benefit Information

FAQs on SSA Potential Private Retirement Benefit InformationFAQs on SSA Potential Private Retirement Benefit Information U.S. Department of Labor Employee Benefits Security Administration April 2012 I received an SSA Potential Private Retirement Benefit Information notice. What does this mean? This notice was sent to you by the Social Security Administration (SSA) because you filed a claim for social security benefits. It is a reminder about private employer retirement benefits that you have earned, also called "deferred vested benefits". The Internal Revenue Service (IRS) provided this information to SSA. The information is provided to the IRS by the plan administrators of the private retirement plans that you participated in while you were an employee. You may have already received some or all of these benefits. You should review

Local Governmental Employees Retirement System - State Treasurer

local governmental employees' retirement system - State TreasurerLOCAL GOVERNMENTAL EMPLOYEES’ RETIREMENT SYSTEM FOR LOCAL LAW ENFORCEMENT OFFICERS your retirement benefits Department of State Treasurer Raleigh, NC Revised January 2012 local governmental employees’ retirement system for local law enforcement officers NORTH CAROLINA DEPARTMENT OF STATE TREASURER RETIREMENT SYSTEMS DIVISION JANET COWELL STEVEN C. TOOLE STATE TREASURER DIRECTOR Welcome to the North Carolina Retirement Systems! The Department of State Treasurer, which administers the retirement systems for state and local law enforcement officers, is committed to providing you with information that will help you make informed decisions about your financial future. I encourage you to familiarize yourself with the benefits described in this booklet. This handbook outlines the benefits available to you as a member of the Local Governmental Employees’

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