<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="//www.opers.org/wp-content/plugins/wordpress-seo/css/main-sitemap.xsl"?>
<urlset xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:image="http://www.google.com/schemas/sitemap-image/1.1" xsi:schemaLocation="http://www.sitemaps.org/schemas/sitemap/0.9 http://www.sitemaps.org/schemas/sitemap/0.9/sitemap.xsd http://www.google.com/schemas/sitemap-image/1.1 http://www.google.com/schemas/sitemap-image/1.1/sitemap-image.xsd" xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
	<url>
		<loc>https://www.opers.org/</loc>
		<lastmod>2026-06-10T06:20:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/05/vote.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/investment-options/</loc>
		<lastmod>2026-03-21T05:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/retiring/</loc>
		<lastmod>2026-03-21T05:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/refunding/</loc>
		<lastmod>2026-03-21T05:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/education/</loc>
		<lastmod>2026-03-21T05:00:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/education/</loc>
		<lastmod>2026-03-21T05:00:32+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/privacy/</loc>
		<lastmod>2026-04-03T20:38:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/terms/</loc>
		<lastmod>2026-04-03T20:42:28+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/</loc>
		<lastmod>2026-04-07T04:55:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Chris-Mabe.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Stewart-Smith.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Julie-Albers.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/russell-smith.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Tim-Steitz.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Ken-Thomas.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/SteveToth.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Kathleen-Madden2.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/James-Kunk.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Scott-Richter.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Jim-Tilling.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/about/pensions101/</loc>
		<lastmod>2026-04-12T08:09:26+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/</loc>
		<lastmod>2026-04-14T00:39:28+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/member-drinking-coffee-smiling.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/</loc>
		<lastmod>2026-04-14T01:03:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/female-opers-member-sitting-in-office.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/</loc>
		<lastmod>2026-04-14T01:31:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/man-smiling-sitting-outside.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/eri/</loc>
		<lastmod>2026-04-14T02:10:11+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/pension-research-center/</loc>
		<lastmod>2026-04-16T04:30:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/online-account/</loc>
		<lastmod>2026-04-16T17:00:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/daughter-and-father-using-laptop.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/branding/</loc>
		<lastmod>2026-04-16T19:15:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/design-and-graphs.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/logo-definition.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/logo-colors.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/logo-clearspace.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/logo-minsize.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/logo-donts.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/employer-manual/</loc>
		<lastmod>2026-04-17T02:14:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/</loc>
		<lastmod>2026-04-17T02:34:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-contribution/selfdirected/</loc>
		<lastmod>2026-04-17T14:29:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/privacy-2/</loc>
		<lastmod>2026-04-17T15:48:10+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/financial/</loc>
		<lastmod>2026-04-17T16:32:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/faq/</loc>
		<lastmod>2026-04-17T16:40:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/employer-search/</loc>
		<lastmod>2026-04-17T19:14:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/seminars/ecsenhancements/</loc>
		<lastmod>2026-04-20T01:58:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/refunding-from-this-plan/</loc>
		<lastmod>2026-04-20T06:11:01+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/young-couple-discussing-finances.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/refunding-from-this-plan/</loc>
		<lastmod>2026-04-20T20:28:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/young-couple-discussing-finances.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/man-depositing-change-in-piggybank.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/investments/</loc>
		<lastmod>2026-04-21T18:55:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/investment-documents.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/caregivers/</loc>
		<lastmod>2026-04-22T14:13:15+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/links/</loc>
		<lastmod>2026-04-22T15:55:20+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/email/</loc>
		<lastmod>2026-04-22T16:23:04+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/gasb/standards/</loc>
		<lastmod>2026-04-23T17:04:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/gasb/historicaldocuments/</loc>
		<lastmod>2026-04-23T17:51:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/test-page/</loc>
		<lastmod>2026-04-23T18:28:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/benefit-payment-schedule/</loc>
		<lastmod>2026-04-24T08:01:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/income-verification/</loc>
		<lastmod>2026-04-24T11:14:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/elderly-woman-at-desk.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/tables/</loc>
		<lastmod>2026-04-24T15:30:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/life-events/</loc>
		<lastmod>2026-04-24T18:53:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/toy-plane.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/education/</loc>
		<lastmod>2026-04-24T20:37:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/new-members.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/active-members.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/retired-members.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/get-ready-for-2026/</loc>
		<lastmod>2026-04-27T09:12:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/seminars/membership-overview/</loc>
		<lastmod>2026-04-27T17:56:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/general/</loc>
		<lastmod>2026-04-27T18:35:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/gasb/faq/</loc>
		<lastmod>2026-04-27T19:07:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/your-investment-options/</loc>
		<lastmod>2026-04-27T19:30:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/seminars/online-payments/</loc>
		<lastmod>2026-04-28T00:32:06+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/</loc>
		<lastmod>2026-04-28T14:27:01+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/careers/</loc>
		<lastmod>2026-04-28T16:54:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/art/hero-banners/employee-meeting.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/careers/graphics/opers-lobby.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/callout-banners/opers-hr-posing-around-building-sign.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/health.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/retirement.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/time-off.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/parking.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/cafe.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/art/careers/perks/gym.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/seminars/</loc>
		<lastmod>2026-05-05T15:24:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/tools/</loc>
		<lastmod>2026-05-06T15:12:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/video-bg-retirement-partner.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/video-bg-counseling-options.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/retiring-from-this-plan/</loc>
		<lastmod>2026-05-06T19:15:40+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/refunding/</loc>
		<lastmod>2026-05-15T11:40:33+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/retiring-from-this-plan/</loc>
		<lastmod>2026-05-15T12:55:49+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/test-packets/</loc>
		<lastmod>2026-05-15T15:24:51+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/your-investment-options/</loc>
		<lastmod>2026-05-15T16:05:00+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/</loc>
		<lastmod>2026-05-15T16:33:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/banner_members.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/man-using-computer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/about/timeline/</loc>
		<lastmod>2026-05-15T17:58:03+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/founding-of-opers.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/first-office-building.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/nitschke-building.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/first-pension-check.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/receptionists-office.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/tabloid.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/pers-retirement-board-1950s.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/investment-team-1960s.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/1980s-new-building.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/opers-website-v1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/town-street-building.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/via-benefits.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/timeline-smiling-retirees.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/refunding-from-this-plan/</loc>
		<lastmod>2026-05-15T19:23:20+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/young-couple-discussing-finances.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/about/opers101/</loc>
		<lastmod>2026-05-15T19:39:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/re-employment/</loc>
		<lastmod>2026-05-15T19:44:44+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/</loc>
		<lastmod>2026-05-15T20:24:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/banner_employers.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/professional-woman-using-computer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/</loc>
		<lastmod>2026-05-15T20:32:43+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/woman-on-computer.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/whatisopers/</loc>
		<lastmod>2026-05-15T20:35:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/opers-employees-posing-around-building-sign.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/retiring/</loc>
		<lastmod>2026-05-26T15:14:49+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/senior-woman-thinking-about-future.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/smiling-middle-aged-couple.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/video-bg-counseling-options.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/mature-woman-at-computer-smiling.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/opers-counselors.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/happy-retiree-couple-biking-together.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/retiree-woman-reading-document-smiling.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/legal/forms/</loc>
		<lastmod>2026-05-26T15:46:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/contact/</loc>
		<lastmod>2026-05-26T16:17:43+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/library/employer-outreach-may-2024/</loc>
		<lastmod>2026-05-26T16:18:31+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/banner-bg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/library/employer-outreach-april-2025/</loc>
		<lastmod>2026-05-26T16:19:18+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/banner-bg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/library/employer-outreach-october-2025/</loc>
		<lastmod>2026-05-26T16:21:00+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/banner-bg.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/newsroom/</loc>
		<lastmod>2026-05-26T16:35:14+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/female-with-tablet-smiling.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/callout-blog.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-opers-funded-rate.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/forms/</loc>
		<lastmod>2026-05-26T16:52:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/</loc>
		<lastmod>2026-05-26T20:12:47+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/us/</loc>
		<lastmod>2026-05-26T22:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/non-u-s-equity/</loc>
		<lastmod>2026-05-26T22:14:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/public-fixed-income/</loc>
		<lastmod>2026-05-26T22:18:09+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/opportunistic/</loc>
		<lastmod>2026-05-26T22:20:41+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/reits/</loc>
		<lastmod>2026-05-26T22:22:19+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/commodities/</loc>
		<lastmod>2026-05-26T22:23:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/risk-parity/</loc>
		<lastmod>2026-05-26T22:23:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/risk-mitigation-strategies/</loc>
		<lastmod>2026-05-26T22:24:34+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/gasb/</loc>
		<lastmod>2026-05-27T10:49:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/gasb-logo-346.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/plan-features/</loc>
		<lastmod>2026-05-27T11:10:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/educational-resources/</loc>
		<lastmod>2026-05-27T11:34:11+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/myorangemoney.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/member-directed/educational-resources/</loc>
		<lastmod>2026-05-27T11:35:23+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/myorangemoney.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/retiring-from-this-plan/</loc>
		<lastmod>2026-05-27T11:38:36+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/speak/</loc>
		<lastmod>2026-05-27T11:39:50+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/2026-2/</loc>
		<lastmod>2026-05-27T11:42:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/meetings/</loc>
		<lastmod>2026-05-27T11:42:52+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/meetings/2025-2/</loc>
		<lastmod>2026-05-27T11:43:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/legal/reporting/</loc>
		<lastmod>2026-05-27T11:43:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/employers/outreach/</loc>
		<lastmod>2026-05-27T11:53:39+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/opers-vision-and-dental/</loc>
		<lastmod>2026-05-27T11:55:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/resources/</loc>
		<lastmod>2026-05-27T12:00:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/doc-cover-img-Health-Care-Coverage-Guide.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/doc-cover-img-Vision-Dental-Coverage-Guide.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-HRA-Summary-Plan-Description-Pre-Medicare.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-HRA-Summary-Plan-Description-Medicare.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-HRA-Factsheet-for-Pre-Medicare-Re-employed-Retirees.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-HRA-Factsheet-for-Medicare-Re-employed-Retirees.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-Health-Care-Coverage-Guide-Supplement.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-health-care-information-for-OPERS-disability-benefit-recipients-scaled.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/doc-cover-img-Application-for-Vision-Dental-Coverage.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/ecs/</loc>
		<lastmod>2026-05-27T12:02:14+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/disability/</loc>
		<lastmod>2026-05-27T12:08:51+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/senior-man-in-physical-therapy-smiling-1.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/piggy-bank-with-stethoscope.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/man-in-wheelchair-on-phone.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/investments/corporate-governance/</loc>
		<lastmod>2026-05-27T12:09:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-contribution/</loc>
		<lastmod>2026-05-27T12:13:27+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/vendor/</loc>
		<lastmod>2026-05-27T12:14:07+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/corporate/</loc>
		<lastmod>2026-05-27T12:15:46+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/tax-guide/</loc>
		<lastmod>2026-05-27T12:16:19+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/1099-r.gif</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/1095B.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/forms/disability/</loc>
		<lastmod>2026-05-27T12:21:25+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/refunds/</loc>
		<lastmod>2026-05-27T12:22:33+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/group-of-opers-members.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/library/</loc>
		<lastmod>2026-05-27T12:24:16+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/2019-07-16-2019-Member-Handbook.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/benefit-recipient-handbook.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-a.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-i.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-f.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-l.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/Impact-of-Part-Time-Seasonal-and-Intermittent-Employment.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/retiring-leaflets.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-c.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-d.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-g.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/Income-Tax-Guide.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/plop.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/doc-cover-img-Health-Care-Coverage-Guide.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/doc-cover-img-Vision-Dental-Coverage-Guide.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/rma-fact-sheet.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-k.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-e.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-h.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/isl-o.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/library/</loc>
		<lastmod>2026-05-27T12:25:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/board-of-trustees-election/</loc>
		<lastmod>2026-05-27T16:26:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/board/board-election-petition-packets/</loc>
		<lastmod>2026-05-28T20:45:17+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/combined/plan-features/</loc>
		<lastmod>2026-05-29T10:57:08+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/plan-features/</loc>
		<lastmod>2026-05-29T10:58:29+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/inv-plans/</loc>
		<lastmod>2026-05-29T17:26:32+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/Investment-Plan-Cover.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/employers/notices/</loc>
		<lastmod>2026-06-01T18:06:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/about/</loc>
		<lastmod>2026-06-03T17:28:21+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/columbus-skyline.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/members/plan-select/</loc>
		<lastmod>2026-06-08T08:00:39+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/two-women-meeting-hero.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/webinar-handout-thumb-how-to-select-handout.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/young-couple-looking-at-laptop-reversed.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/</loc>
		<lastmod>2026-06-10T06:50:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/03/healthcare-hero.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/hra-eligibility/</loc>
		<lastmod>2026-06-10T06:52:37+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-spice-under-65-female.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/hra-enrollment/</loc>
		<lastmod>2026-06-10T06:52:57+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-pre-medicare-eligibility-communications-schedule.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-spice-over-65-female.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-medicare-eligibility-communications-schedule.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/getting-reimbursed-for-health-care-expenses/</loc>
		<lastmod>2026-06-10T06:53:24+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-spice-over-65-male-in-wheelchair-with-female-doctor.jpg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-hra-reimbursement-processing-time.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/find-a-medical-plan/</loc>
		<lastmod>2026-06-10T06:53:45+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/via-benefits.svg</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-spice-under-65-male.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/opers-and-medicare/</loc>
		<lastmod>2026-06-10T06:54:05+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-medicare-coverage-part-a-part-b.png</image:loc>
		</image:image>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-chart-medicare-coverage-part-c-part-d-medigap.png</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/hra-and-reemployment/</loc>
		<lastmod>2026-06-10T06:54:29+00:00</lastmod>
		<image:image>
			<image:loc>https://www.opers.org/wp-content/uploads/2026/04/img-spice-over-65-male.jpg</image:loc>
		</image:image>
	</url>
	<url>
		<loc>https://www.opers.org/health-care/faq/</loc>
		<lastmod>2026-06-10T06:54:57+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/members/traditional/educational-resources/</loc>
		<lastmod>2026-06-25T15:25:55+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/retirees/education/</loc>
		<lastmod>2026-06-25T15:53:13+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/total/</loc>
		<lastmod>2026-06-25T16:47:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/real-estate/</loc>
		<lastmod>2026-06-25T16:53:05+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/private-credit/</loc>
		<lastmod>2026-06-25T16:54:18+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/reits/</loc>
		<lastmod>2026-06-25T16:56:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/commodities/</loc>
		<lastmod>2026-06-25T16:57:02+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/risk-mitigation-strategies/</loc>
		<lastmod>2026-06-25T16:58:45+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/public-fixed-income/</loc>
		<lastmod>2026-06-25T16:59:31+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/us-equity/</loc>
		<lastmod>2026-06-25T17:07:53+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/non-us-equity/</loc>
		<lastmod>2026-06-25T17:09:03+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/private-equity/</loc>
		<lastmod>2026-06-25T17:09:24+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/defined-benefit/risk-parity/</loc>
		<lastmod>2026-06-25T17:09:58+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/investments/health-care/total/</loc>
		<lastmod>2026-06-25T17:10:48+00:00</lastmod>
	</url>
	<url>
		<loc>https://www.opers.org/financial/reports/</loc>
		<lastmod>2026-06-30T11:09:40+00:00</lastmod>
	</url>
</urlset>
<!-- XML Sitemap generated by Yoast SEO -->