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Saving Your Members Money

The best thing a COG can do for its members is give them money! You can effectively do that by reducing your members’ OPEB contributions. Here’s how it works:

  1. Governments make yearly contributions to OPEB trusts based, in great part, on projected investment returns. These projected returns are determined by their actuaries.
  2. Investment returns are affected by investment costs. For every decrease of 1% in investment costs, governments could see their annual OPEB contributions reduced by 12-20%.
  3. By pooling their resources, a COG’s program can provide Phase 2 governments with access to institutional services and pricing. By lowering costs, we increase investment returns.
  4. Thanks to the additional investment income and what Invest by Design will supply your actuaries, they will be able use the higher projected returns to justify a a greater discount rate against future value to reach OPEB’s present value. As a result, the participating governments will lower their yearly OPEB contributions.

In other words, you can help solve OPEB!