Retirement Plan Portability

Below you will find answers to a set of some of the most frequently asked questions about the OPERS' pension plans. Click on the arrows beside the questions to either reveal or hide the answers.

What does 'portability' mean?

The term portability refers to your ability to move your retirement savings from one qualified retirement plan to another qualified retirement plan. If you leave Ohio public employment before you retire, you may want to take your retirement savings with you. Portability is different for each of the OPERS retirement plans.

Traditional Pension Plan

You can transfer all of your employee contributions, plus interest on those contributions, to another retirement plan. Depending on your length of service, you may transfer a portion of your employer contributions calculated as follows:
  • Five (5) or more years of service credit = 33% of the member's eligible contributions
  • Ten (10) or more years of service credit = 67% of the member's eligible contributions

Member-Directed Plan

You may transfer all of your employee contributions and any investment earnings on those contributions plus or minus gains and losses. Depending on your length of participation in the Plan, you may transfer a portion of your employer contributions, plus or minus any investment earnings or losses, according to the following vesting schedule:

Years of Participation Amount of employer contributions (plus investment earnings) eligible for transfer
1 20%
2 40%
3 60%
4 80%
5 or more 100%


Combined Plan

You may transfer all of your employee contributions plus or minus any investment earnings or losses on those contributions.

Depending on your length of service credit, you may transfer a portion of your employer contributions calculated as follows:
  • Five (5) years of service credit = 33% of the member's eligible contributions
  • Ten (10) or more years of service credit = 67% of the member's eligible contributions
Contact OPERS for information on the types of retirement plans to which members can transfer their retirement savings.