New User? Register Online
If you forgot your password, but know your User ID, enter your User ID above and select Log In - then select Forgot Password.
If you forgot your User ID and password, select 'Forgot User ID' above first.
Get a quick comparison of the ORP to the TSERS with the TIAA UNC Retirement Plan Comparison Tool. It's designed to help you estimate and compare possible future benefits using a hypothetical illustration and is based on the information you provide.
We recommend you review the detailed information about both the TSERS and ORP available online at https://myapps.northcarolina.edu/hr/benefits-leave/retirement/ before making your choice. Don't forget, once you make your retirement choice, it cannot be changed.
Note: This tool is not intended to predict actual future returns, benefits, nor progress toward a goal. The calculation performed is purely hypothetical for comparative purposes only. The graphic comparison output is based on user entered information and is in no way guaranteed by TIAA or the employer.
The tool does not reflect actual investment style nor investment strategy. Keep in mind that investments fluctuate in value and could produce a negative return.
The UNC Retirement Plan Comparison Tool from TIAA illustration allows users to specify current and ongoing investment amounts to hypothetically compare the TSERS plan to the ORP plan. The Plan Comparison Tool results are hypothetical estimates only and are based upon the following assumptions. Actual benefits will vary from those illustrated. The assumptions, descriptions and calculations used by the Plan Comparison Tool are listed below:
TSERS Benefit = 1.82% of highest 4-year average salary times years of service. The salary is capped by the IRC 401(a)(17) limit for DB plans. As of 2019, the 401(a)(17) limit for DB plans is $280,000 and is assumed to grow at 3% annually.
TSERS normal retirement benefits are paid unreduced at age 65, age 60 with 25 years of service, or with 30 years of service regardless of age.
TSERS early retirement may not commence prior to age 50 with 20 years or age 60 with 10 years of service
TSERS Benefit Plan reductions for early retirement:
ORP reflects a level 12.84% contribution schedule of salary up to the IRC 401(a)(17) limit for DC plans. As of 2019, the 401(a)(17) limit for DC plans is $280,000 and is assumed to grow at 3% annually.
ORP post-retirement interest rate of 4% per year
Single Life Annuity benefit option
Defined Contribution Plan Mortality Table = Annuity 2000 (MGM1), set back 2.25 years
Note: The benefit amounts shown are not guaranteed. Actual benefits may be higher or lower.
TIAA-CREF Individual & Institutional Services, LLC, Members FINRA and SIPC, distribute securities products.
Which ORP would you like to choose?
*Please note: If you select a different provider, you'll be redirected to a page showing all available ORP plans.