Welcome to the ING Retirement Program Website for the Louisiana ORP and Voluntary 403(b) TDA Plan

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    • As a Louisiana public higher education employee, you are eligible to participate in the Louisiana 401(a) Optional Retirement Plan (ORP) and the Voluntary 403(b) Tax Deferred Annuity (TDA) Plan. These programs are retirement savings alternatives available to help you achieve your retirement objectives.

    ING and the ORP/TDA

    ING, through its affiliated insurance company ING Life Insurance and Annuity Company, has been chosen as a provider of annuity products for both the ORP and the 403(b) TDA Plan. At ING, we are committed to helping you plan for your financial future. Your local ING representative will provide you with the tools you need to make informed decisions. And from enrollment through retirement, ING is there to help you keep your strategy in line with your changing needs.

    This Web site allows you to access your account information and make account transactions. It will also provide you with comprehensive plan information, and investment and retirement planning educational materials.

    Please contact us if you have any questions -- just call the ING hotline at 1-800-873-2161 or email us.

    You should consider the investment objectives, risks, charges, and expenses of the variable products and the underlying fund options carefully before investing. The contract and fund prospectuses contain this and other information. You may obtain a prospectus by contacting your ING representative or the Company at the address listed below. Please read the prospectus summary carefully before investing.

    Variable annuities offered through a retirement plan are long-term investments designed for retirement purposes. Early withdrawals taken prior to age 59½ may be subject to an IRS 10% premature distribution penalty tax. Money distributed from the annuity will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than its original amount invested. Tax deferral is provided by your employer’s plan and the annuity does not provide any additional tax deferral benefit. Annuities may be subject to additional fees and expenses to which other tax-qualified plan funding vehicles may not be subject. However, annuities provide features and benefits such as lifetime income payments and death benefits which may be valuable to you.

    Louisiana is a "community property" state. Under the Louisiana Civil Code, a spouse is entitled to 50% of any payout from a public or private pension or retirement plan, an annuity policy or plan, an individual retirement account, a Keogh plan, a simplified employee plan, or any other similar retirement plan.

    Neither ING or its affiliated companies or representatives provide tax or legal advice. Please consult a tax adviser or attorney before making a tax-related investment/insurance decision.

     

    © 2002 - 2009 ING North America Insurance Corporation

    Insurance products issued by ING Life Insurance and Annuity Company. Financial planning and securities offered through ING Financial Advisers, LLC (member SIPC), One Orange Way, Windsor, CT 06095-4774, or other broker/dealers with which it has a selling agreement.