1. What is the Concordia Retirement Savings Plan [CRSP]?
2. Are there advantages to participating in such a plan?
3. Who can participate in CRSP?
4. As an eligible Worker, when can I start participating in CRSP?
5. How do I start participating?
6. How do I calculate how much I should be contributing?
7. How will my salary reduction contributions be tracked and accounted for once contributed?
8. How is my money invested?
9. How were the CRSP investments selected?
10. What can you tell me about Morningstar, Inc.?
11. To whom can I go to get help in making my investment selections?
12. Can you tell me more about ProManage and the services they perform?
13. Does ProManage cost me anything?
14. Can I change my investment elections?
15. How are my contributions submitted to MetLife?
16. How much can I contribute to the Plan?
17. How do I find out more about the maximum amount I can contribute to the Plan?
18. How do I find out about making catch-up contributions, either the regular catch-up or the age 50 catch-up contributions?
19. What happens if I contribute over the maximum legal amount to the Plan?
20. How often can I change my salary reduction amount?
21. Can I suspend or stop my contributions at any time?
22. Are there ‘employer’ contributions?
23. How do you define compensation for purposes of calculating an Employer Matching Contribution?
24. How does Concordia Plan Services find out my compensation?
25. What if I receive an increase or promotion during the year, after the compensation is reported?
26. How much is the Basic Match contribution?
27. Where will the match money be put?
28. When will the Employer Basic Matching contribution be remitted to MetLife?
29. Will my employer be remitting the Basic Match contribution?
30. Will the Basic Match contribution be combined with my salary deferral money?
31. How are the Basic Match contributions invested?
32. When am I entitled to the Basic Match contribution?
33. When can I get a distribution of the Basic Match contribution?
34. Why must I wait for 120 days to get my money?
35. What are my distribution options from CRSP?
36. Do I have to take a distribution even if I am entitled to one?
37. Why would I want to take my money as an annuity from the Concordia Retirement Plan (CRP)?
38. What is an annuity?
39. What does a Life Only or Single Life Annuity mean?
40. What does a Joint and Survivor Annuity mean?
41. What does a Ten-Year Certain and Life Annuity mean?
42. Why would someone choose one annuity option over another?
43. Can I rollover all of my CRSP account into the Concordia Retirement Plan (CRP) to annuitize it?
44. What if I have a financial need before I meet the distribution requirements?
45. Would I be better off taking a loan from this account or taking a loan from a financial institution?
46. If I decide to take a loan from my CRSP account, how much can I borrow?
47. If I take a loan and decide I need more money, can I take another loan?
48. What is the loan period?
49. What is the loan interest rate?
50. Is there a cost for taking a loan?
51. What is the process for repaying a loan?
52. What happens if I don’t repay my loan?
53. What happens to my loan if my new employer does not participate in The Church’s Plan?
54. If I leave my money on deposit after I terminate employment, can I take a loan from my account?
55. What happens to my account if I die?
56. Can I transfer or rollover money from another qualified plan into the CRSP
57. What are the key things to know before I transfer my retirement money into CRSP?
58. What is the advantage of transferring my money into CRSP?
59. How do I find out who my MetLife Representative is and his/her phone number or e-mail address?
60. How come we have an Optional Employer Matching Contribution?
61. How much is the Optional Employer Matching Contribution?
62. Is this Optional Matching Contribution in lieu of the Basic Match?
63. Who makes the Optional Employer Matching Contribution?
64. How frequently is this contributed?
65. To whom is the Optional Employer Matching Contribution sent?
66. How do I find out how much has been contributed each pay period?
67. What are some of the Employer obligations for participation in the Concordia Retirement Savings Plan?
68. What are the Employer obligations with respect to remitting the Worker Contributions?
69. If I elect to provide my workers with the optional match, will I have any additional reporting/accounting issues?
70. Is the Optional Employer Matching Contribution an extra cost to the Employer?
71. When does the Employer have to send in the Optional Employer Matching Contribution money?
72. Are Social Security taxes due on my contributions to my TSA?
73. Can I transfer or rollover money from another qualified plan into the CRSP?
74. What are the key things to know before I transfer my retirement money into CRSP?
75. What happens if I become disabled while I am participating in CRSP?
76. When are the quarterly CRSP statements mailed from MetLife?
77. When will the participants see the CRSP Basic Match in their account?
78. Will participants see the 1st quarter Basic Match on their 1st quarter statements?
79. Can a participant see the 1st quarter’s Basic Match before the 2nd quarter’s statement is issued?
80. If the salary-deferral money was not contributed in a timely manner to MetLife by the employer, will the participant receive a Basic Match on that money?

The Concordia Retirement Savings Plan (CRSP) is a defined-contribution retirement savings plan. A defined contribution plan means that the level of contributions, along with any investment earnings, determines your benefits at your retirement.

The CRSP is a 403(b)(9) plan or a tax-sheltered annuity (TSA) plan which is the IRS Code Section describing this plan. A TSA allows you to contribute money from your paycheck (i.e., defer salary) on a pre tax-basis.

There are several excellent advantages:

One advantage is that you can save more money on a pre-tax basis which means the money you save is not subject to federal taxes and, if applicable, state taxes. Since you do not receive that money as cash pay at the time it is withheld from your paycheck, it is not taxed until you withdraw it from the Plan, which is usually at retirement, when you may be in a lower tax bracket. To view the benefits of pre-tax savings, there is a ‘paycheck calculator’ online at https://metlife.retirementpartner.com/login.do.

A second advantage is that any investment gains will compound on a tax-deferred basis. In other words, since you will only be paying tax at the time of withdrawal, you will have an advantage of accumulating money at a faster rate.

A third advantage is that you will be earning ‘free’ money. You will receive a 50% basic match on the first two percent of total compensation contributed by you.

If your employer is participating in “The Church’s Plan” benefit package, you can participate if you work more than twenty (20) hours per week and your customary employment is more than five (5) consecutive months per year.

If you are a Worker on or after the effective date of your employer’s participation in the “Church’s Plan,” you can participate as soon as administratively feasible on the first of a month after enrolling. This is subject to any probationary period when first employed, not to exceed 90 days from the date of employment. Enrollment begins in the fall of 2005, with the earliest salary reductions beginning on or after January 1, 2006.

To participate, you must (1) enroll and (2) complete a salary reduction form. To enroll, we encourage you to go online at https://metlife.retirementpartner.com/login.do, using the PIN provided by MetLife (it will be mailed to you after your employer joins The Church’s Plan. Or, if you prefer, you can enroll via telephone with a MetLife Customer Service Representative (1-800-543-2520). The salary reduction form is provided with the enrollment booklet provided by MetLife—you fill it out and give it to the person who handles payroll for your employer so that salary deferrals can be started.

In figuring out how much you should personally save, you should take into consideration your overall retirement programs, including the Concordia Retirement Plan, Social Security, and any other plans you might have. Many financial experts suggest a range of 85% to 100% as a target for income replacement for retirement. Of course, the exact percentage will vary from one individual to another, depending on factors such as lifestyle, health, hobbies, expenses, etc.

You can visit MetLife’s Web site at https://metlife.retirementpartner.com/login.do to find a ‘paycheck calculator’ to estimate paycheck savings. Alternatively, you can call the MetLife toll-free number at 1-800-543-2520 to request a ‘Retirement Estimator’ or call your local MetLife representative for assistance.

MetLife has contracted with a company called FASCorp to provide the actual record keeping services for CRSP. This should be transparent to you, since all correspondence and information will say ‘MetLife.’ Once you enroll in the Plan, an account will be set up for you. Your contributions are remitted to ‘MetLife’ by your employer soon after each pay-period ends, and automatically deposited into your account.

Your money is invested in the investment funds you select from those available in this Plan. If you have not designated your investment fund(s) election prior to your first contribution, the Plan has selected the ProManage investment allocation election for your money. If you do not want ProManage, you can opt-out at any time.

MetLife and Morningstar, Inc. (a premier independent investment research firm in the US) maintain a business relationship. This relationship provided Concordia Plan Services (CPS) with the expert advice and assessment of the funds offered through the CRSP. CPS, in conjunction with Morningstar and MetLife, selected the funds for CRSP investments.

Morningstar, Inc., in business for over 20 years, is a leading provider of independent investment research. They provide expert, informative mutual fund analysis and commentary to investors.

Before you enroll, you will receive investment materials that describe the investment options available. (If you have not received the materials, contact MetLife at 1-800-543-2520.)

When you enroll, there are three options for investment assistance: (1) You can accept the default election to use ProManage, a company that tailors an investment portfolio for you to meet your investment objectives. (2) You may opt-out of ProManage and contact your MetLife representative for information. (3) If you opt-out of ProManage, you also have the option of contacting your own investment professional for help in selecting among the available funds.

ProManage provides professional investment advice and account management services. ProManage creates a customized, individual portfolio for you based on personal information provided about you. Your contributions to CRSP (as well as your Employer’s matching contributions) are then allocated to the investment funds selected by ProManage as most appropriate for you. Each year (or more frequently if necessary) ProManage recalculates and rebalances your portfolio to ensure that your asset allocation remains on target. ProManage is the easy way to have investment professionals help you determine what type of investment funds are most appropriate for you.

The service does cost a nominal monthly fee of $2.67 per $10,000 dollars in account value. If you decide to manage your own account, you can opt-out of ProManage at any time.

You can change your investment elections online at https://metlife.retirementpartner.com/login.do or by telephone at 1-800-543-2520 at any time. You may also mail in a change using a MetLife form, however, an online change or a telephonic change will occur much faster.

Your employer’s payroll person/department is responsible for timely remittance of your salary deferral amounts to MetLife.

There are several conditions when determining the maximum amount for a participant:

1. You are allowed to contribute up to $15,500 dollars [Internal Revenue Code 402(g) limit] in the calendar year 2007. This maximum is a combination of all 403(b) contributions to all providers you elected. (It is suggested that you consider directing all contributions to CRSP so that you can better manage the maximum contribution amount and maximize the Basic Match provided under CRSP.)
2. Internal Revenue Code Section 415 imposes an ‘Annual Additions’ limitation. (Annual Additions, currently $40,000, is the sum of your pre-tax contributions and Employer-matching contributions.)

Both of these limits are subject to periodic changes by the IRS. Note: You may also be eligible for make-up contributions.

If you need more information about make-up contributions, want to contribute up to the maximum amount allowable, or are concerned about over-contributing, contact your local MetLife representative for a determination.

To make it easy for you to make the determination, MetLife has provided an application form at their Web site (https://metlife.retirementpartner.com/login.do) for making catch-up contributions. There are two kinds of catch-up contributions allowed under the Plan. If you have been employed by The Lutheran Church—Missouri Synod for 15 or more years, you may save an additional $3,000 each year. Or, if you are age 50 or older, you can save an additional $5,000 (in 2006) per year under the IRS catch-up contribution rules. Note that you can only make IRS age 50 catch-up contributions once you have reached the maximum dollar limit that may be saved in a calendar year [402(g) limit].

If you have questions about completing the form, contact MetLife at 1-800-543-2520 or your local MetLife Representative for assistance. Once the form is completed, please give a copy to your payroll representative or congregational treasurer.

You are responsible for ensuring that your contributions do not exceed the limits. If you do contribute more than is allowed, the money will be refunded and there may be tax implications, including double taxation. You may also have to re-file your tax return, depending upon when the over-contribution has been corrected. If you have over contributed, please contact your payroll person/department and they will work with MetLife to correct the excess deferral.

You may change your salary reduction agreement for any given calendar month. Your payroll department/person will make changes on the first of the month following receipt of the form. Changes must be prospective and not retrospective.

Yes, you can suspend or stop your contributions at any time, as soon as administratively possible, after you submit your signed and dated request in writing.

Yes, there is a Basic Participating Employer Matching Contribution. Your employer automatically funds this matching contribution for its participating workers through its monthly contributions to the retirement programs of Concordia Plan Services.

For purposes of CRSP, ‘compensation’ is the same figure reported for the Concordia Retirement Plan and the Concordia Disability and Survivor Plan each year (as shown on a worker’s annual Personal Statement of Benefits. It includes your basic wage or salary paid for personal services rendered, including, if applicable, cash utility and cash housing allowances and the monetary value of housing furnished by the employer (which is deemed to be twenty-five percent [25%] of the basic wage or salary. It does not include any bonuses, car allowances, cash allowances (other than described above), or other forms of remuneration.

At the end of each year, your employer reports your expected compensation for the upcoming year to Concordia Plan Services via a report called the Annual Compensation Report (ACR).

The Basic Match is based on the ‘reported compensation.’ Therefore, if you have a merit increase during the year, the ‘reported compensation’ for match calculation purposes will not include that increase. However, if you receive a promotion and your employer reports the new compensation amount, the subsequent match will be calculated based on the new amount.

The Basic Match is 50% on the first two percent (2%) of compensation that you contribute to CRSP. “Compensation” means the total compensation figure reported for Concordia Retirement Plan purposes. Overtime pay and bonuses are not included as compensation.

Concordia Plan Services will send the Basic Match contribution to MetLife at the end of each calendar quarter. MetLife will deposit the money into your account using the same allocation election that is used for your pre-tax contributions.

The Basic Matching Contribution will be sent to MetLife as soon as administratively possible after the end of each calendar quarter.

Your Employer’s monthly contribution to the retirement programs of Concordia Plan Services includes their Basic Match contribution. Once Concordia Plan Services is advised by MetLife of which workers contributed to CRSP during the prior calendar quarter, Concordia Plan Services will forward the Basic Matching contributions for all affected workers to MetLife.

There is a separate sub-account in your account for the Basic Match contribution. The money will not be commingled.

It will be invested in the same manner that your own pre-tax contributions are invested.

You are immediately 100% vested in the Basic Match contribution when it is credited to your account. At any time you withdraw money from your account for a distributable event, you will be entitled to receive the Basic Matching contribution, along with your pre-tax contributions.

You may request and receive a distribution of your account only upon certain events. If you terminate employment before age 55, you can take a distribution of your entire account after you have been terminated for 120 days. If you retire (on or after age 55), die or, if you meet certain disability rules, your account can be distributed immediately. You can also take an in-service distribution of your account when you are age 59 or older. There are no hardship withdrawals.

The CRSP money is intended for retirement and long-term investment strategy. Therefore, workers must actually be terminated and not transferring from one LCMS employer to another. The 120-day period is intended to provide Concordia Plan Services with the opportunity to determine if the worker has actually terminated from all LCMS employment or merely transferred from one employer to another. If you are age 55 or older, distributions may be released immediately so that you can facilitate your retirement. In cases where it is clear a final termination or a retirement has occurred, distributions may be released earlier than the 120-day period.

Upon termination or retirement, you may request a distribution from the CRSP as follows:

1. a lump-sum cash distribution;
2. rollover your money into an IRA;
3. rollover your money into the Concordia Retirement Plan (CRP) if you are age 55 or older and convert your CRSP account balance into a monthly annuity (if you are under age 55, you can leave your money in your CRSP account until you reach age 55, at which time you can rollover your CRSP account balance into the CRP and convert it to a monthly annuity);
4. a systematic monthly, quarterly, or annual periodic payment from your CRSP account, whichever of these may be offered by MetLife, the administrator; or
5. leave your money in your CRSP account; however, you will need to start receiving payout by age 70 1/2.

No, you can leave your money in the CRSP until you are ready to take a distribution. Once you reach age 70 1/2, you may have to begin withdrawing your money.

The annuity factors in the CRP are generally more favorable than the factors used by other vendors. In addition, if you are a rostered/commissioned minister of religion, the portion of your CRSP account that resulted from contributions made by you or your LCMS employer(s), based on salary earned while employed in the LCMS, can be designated as housing allowance. This is only true when paid by the CRP as a retirement benefit and it results in tax savings for you. This tax savings is not available from a non-church vendor. Check with the vendors of your choice for comparative purposes before making such a decision!

“Annuity” is just another name for “monthly benefit.”

A Single Life Annuity means that you will be paid a monthly benefit for your lifetime. When you die, there are no additional payments – the benefit stops.

A Joint and Survivor Annuity means that you will be paid a monthly benefit for your lifetime. Then, if you predecease your spouse, your spouse will receive 70% or 100% of the benefit you were receiving, depending upon the option you selected. If the spouse to whom you are married at the time of your retirement should predecease you after your monthly payments have started, there are no additional payments made at the time of your death. Joint and Survivor Annuity benefits are payable only to the spouse to whom you are married at the time of your retirement.

A Ten-Year Certain and Life Annuity guarantees a monthly pension benefit for your lifetime, with a minimum of 10 years of payments. Should you die before receiving ten (10) years of monthly benefit payments, the lump-sum actuarial equivalent value of the remaining benefits will be paid in a single payment to your beneficiary(ies). However, if you die after receiving benefits for 10 or more years, no additional benefits are payable.

Selecting one annuity option over another may be dependent upon whether you are married and / or your personal financial situation. If a Single Life Annuity is selected, your monthly benefit amount is larger than if you selected a Joint and Survivor (70% or 100%) or a Ten-Year Certain and Life Annuity form. A Joint and Survivor Annuity will reduce the amount of your monthly payment, but at your death, your eligible surviving spouse will continue to receive a monthly payment equal to the J&S percentage selected. The annuity forms are actuarially adjusted to take into account the probable length of time benefits will be paid. Note: If you are married and select other than a 70% or 100% Joint and Survivor Annuity option, your spouse will need to consent to your distribution option.

Only those monies that were pre-tax contributions can be rolled over into the CRP. If you rolled over other accounts into CRSP and they include after-tax contributions, those monies cannot be annuitized through the Concordia Retirement Plan.

The money in this Plan is being set aside for retirement. However, occasionally, you may have an immediate need for a portion of your account balance. If this happens, you can consider taking a loan. You must pay back loans taken from the CRSP.

Generally, you may be better off taking a loan from a financial institution. This is because your CRSP money loses the ability of growing tax-deferred on a compounding basis. However, other factors should be considered and your tax advisor can best help you.

A loan must be in an amount of $1,000 or more, and your loan cannot exceed the lesser of either

• $50,000, reduced by the highest outstanding balance of a loan during the one year period on the day before the loan is made, over the outstanding balance of loans from your CRSP account on the date the loan is made or
• One-half of your total account reduced by any outstanding collateral agreement relating to the same. (Only your personal contributions, or rollover/transfer monies, with interest, may be borrowed, however.)

Since only one loan may be outstanding at any one time, you must first pay off your existing loan. You would then have to qualify for a new loan.

You must pay back a loan within 5 years; if it is for the purchase of a principal residence, however, it can be repaid over a 10-year period.

The loan interest rate is a reasonable rate established as the prime rate of interest plus one percent (1%). The rate in effect at the time of the loan stays in effect for the life of the loan. The rate is set using the prime interest rate as stated in the Wall Street Journal on the first business day of each month. Contact MetLife for the current loan rate.

Yes, there are fees for taking a loan and ongoing administrative fees. There is a one-time $75 loan origination fee and a $50 annual maintenance fee, which is deducted from your account quarterly.

A loan is generally repaid via payroll deduction. However, if you transfer to another participating location, or if you are on an Employer Approved Leave of Absence you may need to write a check to make the loan payment until you are again able to have the payment withdrawn from your paycheck. If you are transferring between employers, you will need to notify the payroll person / department of your outstanding loan and the repayment amount so they can restart your loan repayment.

If the payments are not made, the loan will be defaulted 90 days after the end of the quarter in which the last payment is received. Then, the entire outstanding principal balance and accrued interest will become taxable to you in the year in which the default occurs. In addition, if you are younger than age 59 1/2, you will need to report a 10% early withdrawal penalty when submitting your taxes

If you transfer to an employer that does not participate in “The Church’s Plan,” then you are considered terminated from CRSP. You are eligible for a distribution and the loan must then be repaid in full in order to keep it from defaulting. Contact the MetLife Service Center for assistance with this process.

Loans will only be available for active workers who are still employed with a participating LCMS employer.

If you die, your account will become payable to your spouse if you are married (unless the spouse waives his / her right to be the beneficiary). If you are not married, or your spouse has waived his / her beneficiary rights, your account is payable to your named beneficiary (as designated by you at the time of your enrollment or anytime thereafter).

If you die without having named a beneficiary or, if your beneficiary predeceases you, then your account will be paid according to the beneficiary order as outlined in CRSP.

Yes, once enrolled, you may transfer any pre-tax qualified retirement plan money (other 403[b], 401[k] or 457 plans) and consolidate your money into the CRSP on or after January 1, 2006.

There are two key things to know before you make any transfers.
1. Determine if there are any withdrawal fees from your current vendor and understand if it is to your advantage to transfer the money now or wait until a later time.
2. The money transferred into the CRSP becomes subject to the CRSP rules for withdrawal.

A very favorable advantage is that upon retirement, you will have the option of annuitizing your money under the Concordia Retirement Plan at generally more favorable rates than rates offered by a vendor.

Another advantage is the selection of distribution options that are geared to help meet your retirement needs.

A third advantage is if you are a rostered/commissioned minister of religion, the portion of your CRSP account that resulted from contributions made by you or your LCMS employer(s) based on compensation earned while serving the LCMS, can be designated as housing allowance. This is only true when paid by the CRP as a retirement benefit and it results in tax savings for you. This tax savings is not available from a non-church vendor.

To find out who your MetLife Representative is, call the MetLife Resources toll-free number at 1-800-543-2520. MetLife Resources will tell you who your local MetLife representative is along with his/her contact information.

Your employer has elected the Optional Employer Matching Contribution to help increase your retirement income.

It depends upon what your employer has elected. Your employer elected either a 2% or a 4% Optional Match.

This is in addition to the Basic Match and does not take the place of that employer contribution. In other words, if your employer elected a 2% Optional Match, you will receive a 50% match on the first 4% of your compensation that you save – 2% for the Basic Match and another 2% for the Optional Match.

If your employer has elected the Optional Employer Matching Contribution, your employer will calculate and make the matching contribution.

Unlike the Basic Match which is made on a quarterly basis, the Optional Match is made on a pay-period basis.

Your employer will calculate and remit the Optional Matching Contribution along with your per salary reductions to MetLife.

You can check your account online at the MetLife Web site (https://metlife.retirementpartner.com/login.do) at any time. You can also see these contributions on your quarterly statement from MetLife (they are shown in a special sub-account). Lastly, you can check with your employer to find out when they submitted the money to MetLife.

Some of the employer obligations are:

• inform your full-time workers of their eligibility to participate;
• timely enroll each of your workers who choose to become a member, ensuring your workers may start to save as soon as feasible;
• promptly notify Concordia Plan Services of (i) a termination of employment, (ii) granting and termination of leaves of absence, (iii) the commencement and termination of periods of disability, and (iv) other facts or events that may be relevant in the operation of the Plan;
• promptly distribute or communicate to the workers any notice or other communication from Concordia Plan Services pertaining to the Plan or its operation that is indicated for the worker’s attention.

There are several employer obligations with respect to remitting the CRSP contributions. The employer’s payroll person/department must:

1. forward worker contributions to MetLife as of the earliest date on which such contributions can reasonably be segregated from the employer’s general assets;
2. calculate the Optional Employer Matching Contributions, if applicable, and forward the allocation and money, along with the worker’s contribution to MetLife;
3. monitor the maximum worker contribution that a member may contribute;
4. correct over-contributions, in conjunction with MetLife personnel;
5. change, suspend, start or stop contributions, as of the first (1st) of the month following notice of such action.

If you elect to provide the Optional Employer Matching Contributions, your payroll person/department will have to

1. calculate the Optional Match;
2. report the Optional Match amount for each Worker to MetLife; and
3. remit the Optional Match amount, along with the worker’s contributions to MetLife.

Employers electing to provide the ‘optional match’ would have similar internal accounting requirements as those for the other Concordia Plan(s) payments.

Any filing or government reporting for the CRSP will be the responsibility of Concordia Plan Services as the administrator of CRSP.

Yes. Unlike the Basic Match money, which is included in the retirement-program contribution rate, if the employer elects an Optional Matching Contribution, the employer must remit this money.

The Optional Match money is remitted along with the worker’s contribution, at the time the worker’s contribution is deducted from his/her salary. Therefore, if your pay period is semi-monthly, you would calculate and remit the Optional Match Contributions twice per month. If your payroll is weekly, you would remit it weekly.

Contributions to a tax-sheltered annuity (TSA), including the Concordia Retirement savings Plan:

• Are subject to Social Security and Medicare tax for lay employees.
• Are not included as income subject to self-employment tax for a minster of the Gospel (per IRS Rev. Rul. 68-395).

Ministers of the Gospel are defined as ordained pastors, commissioned teachers, Directors of Christian Education, Directors of Christian Outreach, certified lay ministers, and eligible deaconesses.

(Excerpted from Paragraph 5.2005 of the Synod's Congregational Treasurer's Manual.)

Yes, once enrolled, you may transfer any pre-tax qualified retirement plan money (other 403[b], 401[k] or 457 plans) and consolidate your money into the CRSP on or after January 1, 2006. If you are considering a transfer or rollover, it is recommended that you contact a MetLife representative to discuss and initiate the transfer or rollover.