Skip to main content


MSU's retirement benefits help you build long-term savings and a source of income after you retire from the University. The faculty and staff retirement options provide opportunities for you to plan for your future today. Employees will participate in one of the following retirement plans. For retirement plan details, click on one of the plans listed below. Additionally, employees may supplement their university retirement plan by contributing to a 403b retirement plan on a voluntary basis.

  • Kentucky Employees Retirement System (KRS) - for employees in positions that do not require a Bachelor's Degree.
  • Kentucky Teachers' Retirement System (KTRS) - for employees in positions requiring a minimum of a Bachelor's Degree. OR Optional Retirement Plan (ORP) - for employees in positions requiring a minimum of a Bachelor's Degree for new employees hired after July 1, 1996

In addition to the mandatory retirement plans listed employees may choose to supplement their Retirement Plan by contributing to a Voluntary Supplemental Retirement Plan. If you wish to participate go to Voluntary Supplemental Retirement and select the Provider of your choice.

  • Morehead (Residential Campus)
    150 University Blvd., Morehead, KY 40351
  • Admissions
    121 E. Second St., Morehead, KY 40351
  • MSU at Ashland
    1400 College Drive, Ashland, KY 41101
  • MSU at Mt. Sterling
    3400 Indian Mound Drive, Mt. Sterling, KY 40353
  • MSU at Prestonsburg
    6 Bert Combs Drive, Prestonsburg, KY 41653
Major In You.