Mississippi USLF Multistate Elder and Retirement Law Handbook - Guide

State:
Multi-State
Control #:
US-001HB
Format:
Word; 
PDF; 
Rich Text
Instant download

Description

This Handbook provides an overview of federal laws affecting the elderly and retirement issues. Information discussed includes age discrimination in employment, elder abuse & exploitation, power of attorney & guardianship, Social Security and other retirement and pension plans, Medicare, and much more in 22 pages of materials.

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  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide
  • Preview USLF Multistate Elder and Retirement Law Handbook - Guide

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FAQ

PERS 13th Check is the annual 3% cost of living increase given to current public sector employees and Mississippi retirees at the year's end. The 13th Check or payment is paid to the ex-employees entirely by employer contributions.

Your initial retirement benefit is calculated using projected wages certified by your employer before your termination date. After your final wages are reported, PERS will audit your account and, if necessary, adjust your benefit for any underpayment or overpayment.

The largest of these increases was passed in late 2022 and will increase the employer contribution rate from 17.4% to 22.4%, effective October 1, 2023. This five percentage point increase translates to a 29% increase in state funds directed towards the state retirement system.

No provision exists for loans, partial refunds, or hardship withdrawals of member contributions. Refunding your account contributions means losing your membership in PERS as well as the accompanying service credit.

Defined Benefit Plans PERS is a defined benefit plan, which is a plan designed based on strength in numbers, automatic participation, and pooled risk so that members may receive a benefit for life at retirement.

Retirement Calculation Formula Your retirement benefit is calculated using a formula with three factors: Service credit (Years) multiplied by your benefit factor (percentage per year) multiplied by your final monthly compensation equals your unmodified allowance.

Retirement Calculation Formula Your retirement benefit is calculated using a formula with three factors: Service credit (Years) multiplied by your benefit factor (percentage per year) multiplied by your final monthly compensation equals your unmodified allowance.

Normally the Legislature does not provide direct appropriations to PERS. Instead, it is supported by governmental entities paying 17.4% of payroll for each employee. In addition, employees pay 9% of their payroll into the system, and the system also receives investment earnings.

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Mississippi USLF Multistate Elder and Retirement Law Handbook - Guide