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Northwest Missouri State University



Northwest enrolls all benefit eligible staff employees in the Missouri State Employees' Retirement System (MOSERS). To be eligible to participate in MOSERS, employees must be hired into a benefit's eligible position. This position would be hired with a FTE of .5 or greater.

MOSERS is a contributory defined benefit plan, that is funded partially by Northwest and partially by the employee. As a member, 4% of your pay is contributed, by payroll deduction to the MOSER trust fund. It pays a defined amount upon retirement, based on the length of your service and final average pay. It defines retirement eligibility by age and years of service. The retirement benefit is permanent and is guaranteed rather than depending on investment returns.

In order to qualify for a retirement benefit from MOSERS, you must be "vested."  To learn more about MOSERS, visit


Northwest enrolls all benefit eligible faculty employees in the College and University Retirement Plan (CURP). To be eligible to participate in CURP, faculty must be hired after July 1, 2002 and not a previous member of the MOSERS plan. CURP provides a retirement benefit that offers interstate portability.

CURP is a non-contributory 401a defined contribution plan for education employees at regional colleges/universities in Missouri. Each month Northwest remits contributions to CURP based on the faculty's monthly salary. Plan contributions will be made the TIAA-CREF Lifecycle Fund closets to your expected year of retirement. You may contact TIAA-CREF to change your investment allocations at any time following your first contribution.

You are fully and immediately vested in the benefits arising from contributions made under this plan. After participating in CURP for at least six years, you may elect to change from the CURP to MOSERS.

MOSERS has been given the responsibility by law to implement and oversee the administration of the plan. TIAA-CREF is the third-party administrator for CURP and manages the investment options under the plan.

For more information on CURP, visit