Investment Return Assumption & Dedicated Gains

Learn how the investment return assumption impacts pension funding and how MERS uses a dedicated gains policy to reduce that assumption in a way that lessens the impact on required contributions.

Understanding Forfeitures

This short video provides an overview of forfeitures in the MERS Defined Contribution and Hybrid Plans. Employers will learn what they are and the options to utilize funds in accordance with IRS guidelines.

Defined Benefit Payment Options

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.

How Smoothing Works

How Smoothing Works

Learn how smoothing effects contribution amounts towards MERS Defined Benefit Plan.

Retirement Strategies

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. 

Utilizing MERS Resources for Employers

Understanding and Using MERS' Toolbox of Resources

Learn about the resources available to decision-makers within the workplace to help employees better prepare for retirement. We’ll discuss the importance of providing benefit education and highlight some ways that MERS can assist in those efforts.

How to Change Beneficiaries Online

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