If something happens to you, the payout of each of your NC Total Retirement Plans (including the NC pension plan and all supplemental plans) is governed by the beneficiary designation on file with each, different plan provider. In most cases, payouts are not made based on the relationship of the beneficiary to the deceased member at the time of death.

Designating your Beneficiary(ies) for Your Pension Benefit

Return of Retirement System Contributions and the Death Benefit

(NOTE: Not all employers under LGERS have elected to provide the death benefit coverage for their non-law enforcement personnel.)

To change your beneficiary(ies), complete the following steps:

  1. Login to ORBIT. If you have not used ORBIT before, you will need to register by clicking on the Register button on the same page.  To complete the registration, you need to supply your Social Security number, birth date, and zip code.
  2. Once logged in, click on the "Maintain Beneficiaries" tab on the left-hand side of the screen.
  3. On the next screen, you can view your beneficiaries, and use the add, edit and delete features to change your beneficiary(ies).

Additional information about choosing and changing your beneficiaries for retirees and members at retirement is available on the ORBIT Help site.






Learn more about Choosing

and Changing Your Beneficiaries

All Members: Supplemental Retirement Plans

Plan Name Description Information and Forms Contact
NC Total Retirement Plans

NC 401(k) and NC 457 Plans
Tax-deferred supplemental retirement plans for NC public employees NC 401(k)

NC 457
(866) NC-PLANS or

(866) 627-5267

Active State Employees: NCFlex Supplemental Life Insurance

Plan Name Description Information and Forms Contact
Core AD&D Core Accidental Death & Dismemberment is a no-cost benefit that covers employees only NCFlex (877) 464-5111
Voluntary AD&D Optional insurance pays a benefit if the employee dies or suffers from another covered loss as the result of an accident, such as dismemberment or paralysis


(877) 464-5111
Group Term Life Insurance Optional term-life insurance pays a benefit as a result of death while covered under the policy NCFlex (877) 464-5111

Retirees: Supplemental Life Insurance

Plan Name Description Information and Forms Contact
Life Insurance (no longer available to new participants) Term and Whole Life Pierce Insurance (855) 627-3847