Welcome to the ING Retirement Program Website for Ohio Public Higher Education

A new and improved educational library is now available! Topics include the benefits of plan participation, investment strategies, retirement planning and other life events. View all the topics here.

As one of a select group of Ohio public higher education employees, you are eligible to participate in the Ohio Alternative Retirement Plan (ARP), as well as the 403(b) Tax Deferred Annuity and the 457(b) Defined Contribution Plan. These programs are powerful retirement savings alternatives available to help you achieve your retirement goals.

About ING

ING Life Insurance and Annuity Company (ING) has been chosen as a provider for the ARP, 403(b) TDA and the 457(b) Plan. At ING, we are committed to helping you plan for your financial future. Your local ING representative will provide you with the tools to help you make informed decisions. And from enrollment through retirement and beyond, ING is there to help you keep your strategy in line with your changing needs.

This Web site contains information about the plans, features of the variable annuities issued by ING that fund the plans, investment options, and more.

You should consider the investment objectives, risks, charges and expenses of the variable product and its 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 prospectuses 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 received. 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.