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This video explains how to access and manage your claims in your myMERS account.
Are you taking the right steps to complete your ideal retirement picture? Spending your golden years doing fun things like golfing or traveling sounds great, doesn’t it? Being prepared for the other expenses you will face in retirement can help you keep those dreams alive!
When it comes to saving and investing for retirement, there are many questions to consider when it’s time to retire. This video will offer concepts to help you understand each of your various retirement accounts and build an appropriate retirement withdrawal strategy to make your money last throughout your retirement years.
In this video, a representative from the Michigan Medicare Medicaid Assistance Program (MMAP) explains how and when to enroll in Medicare, what expenses Medicare will and won’t cover, and why you should reevaluate your health care plan each year once you have enrolled. We also discuss some important updates from MERS and share how retirees can get help choosing the right health care plan from benefits counselors at Mercer Marketplace 365+ Retiree.
MERS CEO Kerrie Vanden Bosch and members of the MERS Retirement Board have a panel discussion to provide more information about the roles and responsibilities of the board members who govern MERS, as well as what sets MERS apart as the fiduciary of our plans and efforts to provide secure retirement benefits.
MERS Chief Investment Officer Jeb Burns provides an update on the MERS portfolio. Following his update, a panel discussion focuses on investment best practices and due diligence.
During the Business Meeting, CEO Kerrie Vanden Bosch gives a “State of MERS” update and designated delegates voted for MERS Retirement Board members.
The types of insurance you need can depend upon your age, assets and dependents. However, each person’s situation is unique. During the webinar, an insurance expert will walk through the various types of insurances available such as health, automobile, mortgage and life and the purpose of each. They will discuss which insurances make sense based on lifestyle and other circumstances. You’ll walk away with a clear understanding of the best options to help protect you, your loved ones and your valuable possessions.
Social Security Basics
Understanding the components of your retirement income is important and Social Security is a big factor to consider. Join Social Security Public Affairs Specialist Vonda VanTil as she discusses hot topics such as eligibility, the process to apply and resources to help you navigate the system. If retirement is in your near future, this video is for you.
Estate Planning
Wills, trusts, powers of attorney — what do all these things mean? No question, estate-planning jargon, and the process to create a plan, can be confusing. During this video, an estate planning expert will walk you through important terms and the steps you should take to create an estate plan that protects your family. You’ll get insight into what the goals of creating your plan might be and some of the available tools you can use to accomplish them.
Life is full of events that lead to many paper and electronic documents. The high volume often leaves people feeling so overwhelmed that they ignore their piles of ever-growing paper, making it hard to find what they need when they need it. During this video, we’ll discuss how to purge the paper you don't need and organize the paper you keep. We'll give you examples of files you should shred, recycle, and save.
Financial concerns follow us everywhere, causing stress both at home and work. Growing debt. A lack of savings. Retirement uncertainty. With MERS’ new Financial Fitness tool, you will be able to take control of your finances! This video will show you a series of financially focused workouts designed to help you see how you are doing and learn where you should be. These easy, intuitive exercises help you make improvements in key areas that affect your overall financial wellness.
A quick walk through of your myMERS landing page and how to access your MERS program information.
Personal finance experts tell us that ideally, we should have 3-9 months’ worth of expenses saved in an emergency fund. It's also recommended that we save for retirement, so we can replace 80% of our pre-retirement income. For most of us, there is only so much money to go around. In this video, we'll explore different savings options and strategies to help you plan for the unexpected, while still saving for retirement. Additionally, we’ll provide tips that you can use to help educate the next generation – your kids, grandkids or other important younger individuals in your life - on financial basics such as budgeting and saving.
When it comes to saving and investing for retirement, there are many questions to consider. How much should you save? How should those savings be invested? And what are some strategies to increase your account balance? This video will offer concepts to address those very questions such as finding an appropriate savings ratio, learning about your investment risk tolerance, and the importance of longevity. We’ll then explore savings strategies to use in the accumulation (or working) phase. Finally, we’ll show you how to locate your investment information and make investment changes online.
Depending on your financial goals in retirement, it may be necessary for you and your spouse to consider supplemental retirement plan options. In this session, we'll explore your retirement savings choices to help you add security to your retirement plan. Another important component to financial security is ensuring your investments are allocated correctly to help you reach your retirement goals. We'll walk through some investment basics and provide tips to help you evaluate your current investment line-up.
As a MERS Defined Benefit retiree, you’ll receive a monthly benefit payment for the rest of your life. The payment option you choose at retirement will determine how much that monthly payment will be and what will happen to that income stream when you pass away.
It’s not a subject we like to think about, but the fact is, by defining your end of life care wishes, you are making an already difficult time more manageable for your loved ones. We’ll cover important considerations for creating your end of life care directive and talk about ways you can ensure these wishes are followed by your provider and/or caregivers.
Did you know that kids as young as three can grasp the concept of how money works? And yet, most graduate high school without ever taking a course on financial basics. That leaves us – parents, grandparents and influential adults – to teach children the importance of budgeting and saving. During this session, we’ll review key concepts to teach at every age level and provide some tips and resources to help you get started. If you have younger people in life that you care about, don’t miss this session.
Health Care In Retirement
Health care costs are one of the biggest expenses in retirement. Do you know your options? During this video, MERS staff will provide an overview of Medicare and the benefit options you’ll have in retirement. We’ll talk about the costs associated with Medicare and provide you with resources to help you get more information. We’ll also highlight the MERS retiree healthcare exchange and talk about how you can use the MERS Health Care Savings Program in tandem to assist with premium costs.
Using Your Retirement Account
When it comes to saving and investing for retirement, there are many questions to consider when it's time to retire. This video offers concepts to address those very questions such as finding an appropriate retirement (decumulation) strategy and figuring out how to make your money last throughout your retirement years.
Managing and Monitoring Your Portfolio
Wondering if your investments are on track to meet your goals? During this recorded webinar, we'll walk through the resources MERS makes available to you, so that you may feel confident in your ability to align your investments with your retirement needs.
Making Your Money Work For You
When it comes to saving and investing for retirement, there are many questions to consider. How much should you save and how should those savings be invested? Should your strategy change as your life circumstances change? What is your risk tolerance level when investing? This session will address those very questions as well as help you better understand some concepts such as riding out market volatility and determining an asset allocation that meets your needs. We'll then explore savings strategies to use in the accumulation (or working) phase.
Basics of Investing
You don't have to be a stock market wiz to put a strategy in place. This webinar will explain concepts in plain English and provide you with practical ways to help you invest with confidence.
MERS Retirement Strategies Funds
When it comes to investing, don't put all of your eggs in one basket...unless that basket is diversified with a smart mix of funds.
Financial wellness is a buzzword in the financial industry today, but what does it really mean? This video take a deep dive into the four pillars of financial wellness – budgeting, emergency savings, debt management and planning for the future. You’ll learn more about each of these topics and walk away with practical and applicable skills and action items you can use to improve your overall financial health.
Planning for the Unexpected
Personal finance experts tell us that ideally, we should have 3-9 months' worth of expenses saved in an emergency fund. It's also recommended that we save for retirement, so we can replace 80% of our pre-retirement income. For most of us, there is only so much money to go around. During this video, we'll explore different savings options and strategies to help you plan for the unexpected, while still saving for retirement.
Do you know who your beneficiaries are?
Don't forget to let us know who your beneficiaries are so that your retirement benefits are handled smoothly without red tape, expense or delay. MERS makes it easy to update beneficiary information through logging in at mersofmich.com.
Health benefits App
Now that you've left your employer, you — and your spouse and other dependents — can use your MERS Health Care Savings Program account for tax-free medical expense reimbursements. This video explains how to access the Alerus App and manage your claims.
MERS hybrid plan overview
This video will provide valuable information and insight on how your plan works. You can expect to walk away with more information on the formula used to calculate your retirement benefit, the importance of designating beneficiaries and keeping them updated and your investment options. We’ll also discuss the benefits of myMERS and how the resources MERS provides can help meet your retirement goals.
MERS defined contribution overview
This video will provide valuable information and insight on how your plan works. You can expect to walk away with more information on the components that make up your defined contribution plan, the importance of designating beneficiaries and keeping them updated and your investment options. We’ll also discuss the benefits of myMERS and how the resources MERS provides help you stay on track to meet your retirement goals.
Are you within five years of retirement and have questions about the MERS Defined Benefit retirement process? This video reviews the steps you should take now to prepare for your retirement.
You'll learn more about how your defined benefit plan is an important resource to help you reach your retirement goals. We cover key features of the plan and review the resources available to you when retirement is on the horizon.
not for profit
As a new MERS participant, you may have questions about how your benefits work. We’ve made learning about your new plans easy. This short, interactive video lets you pick which MERS programs you would like to hear more about.
Did you know that if you don’t pay Social Security taxes on your earnings AND you are eligible for Social Security benefits, the formula used to figure your benefit amount may be reduced? This is known as the Windfall Elimination Provision, or WEP. Additionally, if you receive a retirement or disability pension from a federal, state, or local government based on your own work for which you didn’t pay Social Security taxes, the Social Security Administration (SSA) may reduce your Social Security spouses or widows/widowers benefits. This is known as the Government Pension Offset, or GPO. If you will be affected by either of these provisions, this video hosted by Vonda VanTil, a Public Affairs Specialist with the SSA will walk you through WEP and GPO in detail and provide resources to help you better understand your Social Security options.