Audience: Participants Product: MERS Defined Benefit, Defined Contribution, Hybrid, 457, HCSP Date Sent: 12/01/2017 Format: Postcard Description: The fourth postcard in a series of educational postcards was mailed to all active participants in the DB, DC, Hybrid and 457 programs. The postcard encourages them to PREPARE for retirement by using the calculators MERS makes available to help them with tasks such as budgeting, calculating the impact of increasing their retirement contributions or estimating their social security benefits.