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State of Michigan 401(k) and 457 Plans
Updates to Loan Rules Announced for Participants Hired before December 1, 2010!
Effective January 1, 2015, the loan rules will be amended to permit up to two outstanding loans total from the
and 457 plans at any one time. Effective
January 1, 2016,
the number of loans permitted at a time will be reduced to one. Accordingly, if you have two or more loans outstanding (which includes any loan that has been defaulted) as of
January 1, 2015,
you will not be able to take a new loan until your total number of outstanding loans is reduced to one or less. As of
January 1, 2016,
if you have an outstanding loan (which includes any loan that has been defaulted), you will not be able to take a new loan until all loans are repaid in full. When considering a loan, keep in mind that loans will impact your retirement savings. Please take a moment to review Taking a loan from your
or 457 Plan:
WHAT YOU NEED TO KNOW!
For more information on loans, please refer to the
Loan Policy Statement
* Loan Policy Statement will be updated accordingly by January 1, 2015
Give your future self a raise
Got an annual pay raise? As this goes into effect, explore how a 1% increase impacts estimated future monthly income and consider giving your future self a raise now. How? Sign up for Rate Escalator. Log in to learn more.
Say Hello to Voya Financial™
ING is becoming Voya Financial in 2014. Only our name is changing. Nothing changes with your account(s) or the quality retirement services you receive today. Visit
to learn more.
Fund Name Change
Effective May 1, 2014, as part of Voya U.S. becoming Voya Financial, the Voya Small Cap Growth Equity Fund name will change to Voya Small Cap Growth Equity Fund. Even though you will see a new fund name, nothing will change with respect to your account(s), and no action is required on your part.
January 2014 Plan Updates
We’re moving to a
new fee structure and making enhancements to the Fund lineup
effective January 10, 2014.
Update your 401(k) and 457 Plans beneficiary information today
You can set up or change your beneficiary designations for your 401(k) and 457 Plan accounts online. Just log in and visit the Personal Information section, where you can access your Beneficiary Information and verify that your records are current or make changes.
Tutorial For New State Employees
Got 10 minutes to learn more about your defined contribution plan and the resources available to help you?
View the State of Michigan New Employee Orientation
(not applicable for State Police, Judges or Legislators)
Free Seminars for State Employees
To learn about the 401(k), 457 Plans and their investment options, please review the
for upcoming opportunities.
Quarterly 401k/457 Newsletter
of the 401(k) and 457 Plan Newsletter. Past editions are available in the
section of this web site.
Pension Plus State Police Newsletter
latest and past editions
of the Pension Plus State Police newsletter on the Pension Plus State Police website.
Voya Retirement Advisors :
The State of Michigan now provides access to the Voya Retirement Advisors . This service provides you with advice — professional, unbiased investment planning, personalized reports and support — to create a savings and investment strategy based on your personal retirement goals. You decide the best way to access personalized retirement investment advice, it is available online or through the phone. You can get advice 24 hours a day,
a week through this Web site. If you would like to access the Voya Retirement Advisors over the phone, you can get advice Monday through Friday from
Eastern time through the Plan Information Line at
Read the Voya Retirement Advisors
To use the Voya Retirement Advisors now, log on to this site and select
section in the menu bar at the top of the page.