{"id":218,"date":"2017-08-15T20:27:55","date_gmt":"2017-08-15T20:27:55","guid":{"rendered":"https:\/\/www.deltastate.edu\/humanresources\/?page_id=218"},"modified":"2025-10-20T16:39:26","modified_gmt":"2025-10-20T16:39:26","slug":"retirement-plans","status":"publish","type":"page","link":"https:\/\/www.deltastate.edu\/human-resources\/retirement-plans\/","title":{"rendered":"Retirement Plans"},"content":{"rendered":"[vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; 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<\/div><\/div><div class=\"container\">\r\n\t\t\t\t\t\t<div class=\"content\"><p class=\"transparent-bg\" ><span>Human Resources<\/span><\/p><\/div>\r\n\t\t\t\t\t\t\t\t<\/div><!--\/container--><div class=\"video-texture \"> <span class=\"ie-fix\"><\/span> <\/div><\/div> <!--\/swiper-slide--><\/div><div class=\"nectar-slider-loading \"> <span class=\"loading-icon none\">   <\/span> <\/div> <\/div> \r\n\t\t\t\t\t\r\n\t\t\t\t\t<\/div><\/div>[\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][vc_column_text]\n<h1>Retirement Plans<\/h1>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row type=&#8221;in_container&#8221; full_screen_row_position=&#8221;middle&#8221; column_margin=&#8221;default&#8221; column_direction=&#8221;default&#8221; column_direction_tablet=&#8221;default&#8221; column_direction_phone=&#8221;default&#8221; scene_position=&#8221;center&#8221; text_color=&#8221;dark&#8221; text_align=&#8221;left&#8221; row_border_radius=&#8221;none&#8221; row_border_radius_applies=&#8221;bg&#8221; overlay_strength=&#8221;0.3&#8243; gradient_direction=&#8221;left_to_right&#8221; shape_divider_position=&#8221;bottom&#8221; bg_image_animation=&#8221;none&#8221;][vc_column column_padding=&#8221;no-extra-padding&#8221; column_padding_tablet=&#8221;inherit&#8221; column_padding_phone=&#8221;inherit&#8221; column_padding_position=&#8221;all&#8221; column_element_spacing=&#8221;default&#8221; background_color_opacity=&#8221;1&#8243; background_hover_color_opacity=&#8221;1&#8243; column_shadow=&#8221;none&#8221; column_border_radius=&#8221;none&#8221; column_link_target=&#8221;_self&#8221; gradient_direction=&#8221;left_to_right&#8221; overlay_strength=&#8221;0.3&#8243; width=&#8221;1\/1&#8243; tablet_width_inherit=&#8221;default&#8221; tablet_text_alignment=&#8221;default&#8221; phone_text_alignment=&#8221;default&#8221; bg_image_animation=&#8221;none&#8221; border_type=&#8221;simple&#8221; column_border_width=&#8221;none&#8221; column_border_style=&#8221;solid&#8221;][tabbed_section style=&#8221;default&#8221; alignment=&#8221;left&#8221; spacing=&#8221;default&#8221; tab_color=&#8221;Accent-Color&#8221;][tab icon_family=&#8221;none&#8221; title=&#8221;Public Employees\u2019 Retirement System (Required)&#8221; tab_id=&#8221;1760978206639-3&#8243; id=&#8221;1760978206638-5&#8243;][image_with_animation image_url=&#8221;307&#8243; animation=&#8221;None&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;20&#8243;][vc_column_text]\n<p style=\"text-align: center;\"><a href=\"http:\/\/www.pers.state.ms.us\/\" target=\"\" rel=\"noopener\">Public Employees\u2019 Retirement System<br \/>\n<\/a>429 Mississippi Street<br \/>\nJackson, MS 39201-1005<br \/>\n1-800-444-7377<\/p>\n[\/vc_column_text][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;20&#8243;][vc_column_text]The Public Employees\u2019 Retirement System (PERS) of Mississippi is the retirement system for nearly all non-federal public employees in the state. From the Gulf of Mexico to the Tennessee border, from the Alabama line to the Mississippi River, PERS serves employees of the state, public school districts, municipalities, counties, community colleges, state universities and such other public entities as libraries and water districts.<\/p>\n<p>Membership in PERS is a benefit accorded to eligible public employees of member agencies, and is financed by contributions made by the employees and their employers and the earnings on these contributions.<\/p>\n<p>PERS is a defined benefit plan. It provides a retirement benefit for public employees after attainment of a certain age and\/or completion of a required number of years of service. This system combines the benefits of the Social Security Program with a supplementary state annuity program to give employees a state retirement program. Under this defined benefit plan, the benefit you receive at retirement is based upon a benefit formula.<\/p>\n<p>Neither the investment experience nor the amount contributed by the employee and institution on behalf of the employee directly determines the amount of guaranteed benefit to be received. All employees are required to contribute\u00a0<u>9.00%<\/u> of their total earnings up to a maximum of $330,000 annually. This contribution is contributed on a pre-tax basis. The University will also contribute 17.90% on your total earnings up to a maximum of $330,000 per year; however, you will only receive a benefit from the university\u2019s contributions if you retire from the system and draw monthly benefits. Should you decide to leave the University before retirement, you may withdraw your contributions less taxes, roll over your contributions to a qualified IRA without paying taxes, or leave the money in the system for the purpose of drawing a benefit later, should you qualify, or return to state service.<\/p>\n<p>Retirement benefits are determined by years of service and average annual earnings for the four years of employment with the highest earnings. Benefits are calculated using a service credit factor. This is determined by multiplying the total years of creditable service times the statutory formula percentage. An employee receives 2% percent for 1-25 years of service. For years of service over 25, participants receive 2.5 percent.<\/p>\n<p>PERS requires four (4) years of service in the plan before you are vested for those employees employed before July 1, 2007, and eight (8) years of service for employees employed on or after July 1, 2007. Once an employee is vested, there are several other potential benefits.<\/p>\n<ol>\n<li>Disability income for a qualifying disability.<\/li>\n<\/ol>\n<p style=\"padding-left: 30px;\">Disability Retirement: An employee who is disabled after he\/she has completed four years of creditable service may receive a disability retirement allowance which consist of the amount as a retirement allowance he\/she continued in service to age 60.\u00a0 PERS has two disability plans, Age Limited Disability Plan and Tiered Disability Plan. If you were a member of PERS before\u00a0July 1, 1992, and did not elect coverage under the Tiered Disability Plan, you are covered under the Age Limited Disability Plan.<\/p>\n<ol start=\"2\">\n<li>Surviving spouse and dependent children income in the event of the death of the member.<\/li>\n<\/ol>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Advantages of PERS<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Disadvantages of PERS<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Disability income protection<\/li>\n<li>Military service credit<\/li>\n<li>Unused leave credit<\/li>\n<li>Death benefits in line of duty<\/li>\n<li>Cost of living increase (13th check)<\/li>\n<li>Stability of system<\/li>\n<li>Can purchase professional leave credit<\/li>\n<li>Minimum monthly payments after 4 or 8 (depending on hire date) years service upon qualification for retirement<\/li>\n<li>Can purchase out-of-state service<\/li>\n<li>Spousal and dependent child benefits available after 4 or 8\u00a0 (depending on hire date) years of service<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Not transferable<\/li>\n<li>4-year or 8-year (depending on hire date)\u00a0service requirement for monthly disability, survivor and retirement benefits<\/li>\n<li>Employee does not have access to employer contributions if terminates prior to eligibility for monthly benefits.<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Public Employees\u2019 Retirement System offers the following seminars:<\/p>\n<ul>\n<li>Full-day Seminars<\/li>\n<li>PERS After Hours<\/li>\n<li>PERS on the Move<\/li>\n<li>Focus Sessions<\/li>\n<\/ul>\n<p>To see the current PERS seminar dates, click HERE.<\/p>\n<p>Monthly retirement benefits are available from PERS if (1) you are age 60 with at least\u00a0four years of membership service for those employees employed before July 1, 2007, and eight (8) years of service for employees employed on or after July 1, 2007;\u00a0or (2) you have completed 25 years of creditable service (four of which must be membership service credit). Unused leave and military service can be applied toward the 25 year service credit but CANNOT be applied for retirement eligibility purposes until after the four (4) or eight (8)\u00a0years of contributing membership service credit is awarded.[\/vc_column_text][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;50&#8243;][vc_column_text]\n<p style=\"text-align: center;\">Send questions and comments regarding this site to Human Resources<\/p>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Optional Retirement Plan&#8221; tab_id=&#8221;1760978206709-0&#8243; id=&#8221;1760978206708-0&#8243;][image_with_animation image_url=&#8221;308&#8243; animation=&#8221;None&#8221; hover_animation=&#8221;none&#8221; alignment=&#8221;center&#8221; border_radius=&#8221;none&#8221; box_shadow=&#8221;none&#8221; image_loading=&#8221;default&#8221; max_width=&#8221;100%&#8221; max_width_mobile=&#8221;default&#8221;][divider line_type=&#8221;No Line&#8221; custom_height=&#8221;20&#8243;][vc_column_text]\n<h1 align=\"center\"><a href=\"http:\/\/www.orp.state.ms.us\/\" target=\"\" rel=\"noopener\">Optional Retirement Plan<\/a><\/h1>\n[\/vc_column_text][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;10&#8243;][vc_column_text]Prior to July 1, 1990, all eligible employees of the Institutions of Higher Learning were covered under PERS; however, in the 1990 Legislative session, the Institutions of Higher Learning (IHL) were instrumental in getting House Bill 1070 passed which made an optional retirement plan available to the IHL teaching and administrative faculty. This alternative plan was established in recognition of the fact that many university level faculty members transfer from state to state a number of times prior to retirement and that such mobility in employment severely limits the ability to build a meaningful retirement benefit under a defined benefit plan such as PERS. This alternative plan is structured so as to be portable and transferable as teaching and administrative staff move from one state to another. It was also designed to serve as a recruiting tool to better enable Mississippi to attract qualified and talented university staff. Beginning July 1998, this criteria was expanded to include Librarians with academic rank, Coaches, and Administrators with Budgetary Authority.<\/p>\n<p>In order to participate in the Optional Retirement Plan, an employee must first be eligible to participate in PERS. Therefore, the individual must first be in a covered position. If initially employed in a qualifying position after July 1, 1990, an eligible employee has the option to elect to participate in the Optional Retirement Plan. This option is only available during the first 30 days of employment. If no election is made during that period of time, the employee automatically becomes a member of PERS.\u00a0<u><strong>The decision is then irrevocable<\/strong><\/u>.<\/p>\n<p>The Optional Retirement Plan (ORP) is a defined contribution plan. In this plan, contributions made by the employee and the institution on your behalf are invested in a retirement annuity certificate in your name. The amount of monthly benefit received at retirement will be based on amount of funds contributed, the investment earnings of those funds, age at the time the employee begins receiving benefits, and the type of annuity chosen. Contributions made by the employee and the institution are immediately vested and continue to accumulate benefits, even if no longer employed by the State of Mississippi, or regardless of future employment.<\/p>\n<p>Eligible employees who join ORP prior to July 1, 2025 contribute 9.00% on total earnings up to a maximum of $255,000 annually. The University contribution on behalf of the employee is 18.40% of which 14.90% is remitted to ORP company chosen, making a total contribution of 23.90% to the employee&#8217;s ORP company.\u00a0 The employer contribution balance of 3.50% goes to PERS to fund the unfounded accrued liability of PERS as it does for all PERS participants.<\/p>\n<p>As of July 1, 2025, PERS has instituted a new tier for new ORP participants. Employees who join the ORP after July 1, 2025 contribute 9.00% on total earnings up to a maximum of $255,000 annually. The University contribution on behalf of the employee is 18.40% of which 9.00% is remitted to ORP company chosen, making a total contribution of 18.00%.\u00a0 The employer contribution balance of 9.40% goes to PERS to fund the unfounded accrued liability of PERS.\u00a0 Please see complete details of the new plan and contributions here: https:\/\/www.orp.ms.gov\/.<\/p>\n<p>The following companies\u00a0are\u00a0vendors for ORP.<\/p>\n<ul>\n<li>Corebridge Financial<\/li>\n<li>TIAA-CREF \u2013 Teachers Insurance and\u00a0Annuity\u00a0Association\u00a0College\u00a0Retirement Equities Fund<\/li>\n<li>VOYA<\/li>\n<\/ul>\n<table border=\"1\" width=\"100%\" cellspacing=\"1\" cellpadding=\"1\">\n<tbody>\n<tr>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Advantages of ORP<\/strong><\/span><\/p>\n<\/td>\n<td bgcolor=\"#006600\">\n<p align=\"center\"><span style=\"color: #ffffff;\"><strong>Disadvantages of ORP<\/strong><\/span><\/p>\n<\/td>\n<\/tr>\n<tr>\n<td>\n<ul>\n<li>Access to contributions<\/li>\n<li>Portability<\/li>\n<li>Benefits available upon termination at any age subject to applicable penalties<\/li>\n<li>Control over investment<\/li>\n<li>Immediate vesting<\/li>\n<\/ul>\n<\/td>\n<td>\n<ul>\n<li>Disability benefits based on account value<\/li>\n<li>Survivor benefits based on account value<\/li>\n<li>No additional credit for unused leave or military time<\/li>\n<li>No cost of living increase<\/li>\n<li>Employee does not have access to employer contribution<\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][divider line_type=&#8221;Full Width Line&#8221; line_thickness=&#8221;1&#8243; divider_color=&#8221;default&#8221; custom_height=&#8221;50&#8243;][vc_column_text]\n<p style=\"text-align: center;\">Send questions and comments regarding this site to Human Resources.<\/p>\n[\/vc_column_text][\/tab][tab icon_family=&#8221;none&#8221; title=&#8221;Additional Retirement Investments&#8221; tab_id=&#8221;1760978206768-10&#8243; id=&#8221;1760978206767-1&#8243;][vc_column_text]\n<table style=\"width: 100%; height: 1233px;\">\n<tbody>\n<tr style=\"height: 72px;\">\n<td style=\"height: 72px;\" bgcolor=\"#006600\"><span style=\"color: #ffffff;\"><strong>Additional Retirement Investments<\/strong><\/span><\/td>\n<td style=\"height: 72px;\" bgcolor=\"#006600\"><\/td>\n<td style=\"height: 72px;\" bgcolor=\"#006600\"><\/td>\n<\/tr>\n<tr style=\"height: 285px;\">\n<td style=\"height: 285px;\">\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"http:\/\/www.pers.ms.gov\/Content\/PublishingImages\/mdc_logo_lg.png\" width=\"206\" height=\"156\" \/><\/td>\n<td style=\"height: 285px;\">\n<h3 align=\"center\"><a href=\"http:\/\/www.mdcplan.com\" target=\"\" rel=\"noopener\">Mississippi Deferred Compensation<\/a><\/h3>\n<h4>Account Representative:<br \/>\nMs. Katrina Yarbrough<br \/>\n111 Capitol Street, Suite 260<br \/>\nJackson, MS 39201<br \/>\n1-800-846-4551<br \/>\n<a href=\"mailto:katrina.yarbrough@empower-retirement.com\"><strong>katrina.yarbrough@empower-retirement.com <\/strong><\/a><\/h4>\n<\/td>\n<td style=\"height: 285px;\">\n<h4>Optional<\/h4>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\"><\/td>\n<td style=\"text-align: center; height: 24px;\"><\/td>\n<td style=\"height: 24px;\"><\/td>\n<\/tr>\n<tr style=\"height: 290px;\">\n<td style=\"height: 290px;\"><img decoding=\"async\" title=\"Corebridge.jpg\" src=\"https:\/\/www.deltastate.edu\/docs\/human_resources\/Corebridge.jpg.jpg\" \/><\/td>\n<td style=\"height: 290px;\">\n<h3 style=\"text-align: center;\"><a href=\"http:\/\/www.corebridgefinancial.com\/retire\">Corebridge Financial<\/a><\/h3>\n<h4>Financial Advisor:<br \/>\nMr. David Stratton<br \/>\n13220 Metcalf Ave, Suite 360<br \/>\nOverland Park, KS 66213<br \/>\nCell: 662-607-4593<br \/>\nClient Care: 800-448-2542<br \/>\n<a href=\"mailto:david.stratton@corebridgefinancial.com\">david.stratton@corebridgefinancial.com<\/a><\/h4>\n<\/td>\n<td style=\"height: 290px;\">\n<h4>Optional<\/h4>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\"><\/td>\n<td style=\"height: 24px;\"><\/td>\n<td style=\"height: 24px;\"><\/td>\n<\/tr>\n<tr style=\"height: 281px;\">\n<td style=\"height: 281px;\">&nbsp;<\/p>\n<p>&nbsp;<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"size-medium wp-image-1099 aligncenter\" src=\"https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo-300x95.png\" alt=\"\" width=\"300\" height=\"95\" srcset=\"https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo-300x95.png 300w, https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo-1024x323.png 1024w, https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo-768x242.png 768w, https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo-220x69.png 220w, https:\/\/www.deltastate.edu\/human-resources\/wp-content\/uploads\/sites\/57\/2021\/10\/1200px-Voya_Financial_logo.png 1200w\" sizes=\"auto, (max-width: 300px) 100vw, 300px\" \/><\/td>\n<td style=\"text-align: center; height: 281px;\">\n<h3>VOYA<\/h3>\n<h4 style=\"text-align: left;\">Financial Advisor:<br \/>\nMr. Charles (Chas)\u00a0Emerson<br \/>\n5740 Getwell Road<br \/>\nBuilding 9, Suite C<br \/>\nSouthaven, MS 38672<br \/>\n662-429-0040<br \/>\nFax: 888-207-9309<br \/>\n<a href=\"mailto:cemerson@independentpg.com\">cemerson@independentpg.com<\/a><\/h4>\n<\/td>\n<td style=\"height: 281px;\">\n<h4>Optional<\/h4>\n<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"height: 24px;\"><\/td>\n<td style=\"height: 24px;\"><\/td>\n<td style=\"height: 24px;\"><\/td>\n<\/tr>\n<tr style=\"height: 233px;\">\n<td style=\"height: 233px;\">\u00a0<img loading=\"lazy\" decoding=\"async\" class=\"aligncenter\" src=\"https:\/\/www.tiaa.org\/public\/images\/765\/2123\/50000007652123\/logo_1000_1x.svg\" alt=\"TIAA logo\" width=\"272\" height=\"79\" \/><\/td>\n<td style=\"height: 233px;\">\n<h3 style=\"text-align: center;\"><a style=\"font-family: inherit; font-size: inherit;\" href=\"http:\/\/www.tiaa-cref.org\/\" target=\"\" rel=\"noopener\">TIAA-CREF<\/a><\/h3>\n<h4>Ms. Rosaline Banks<br \/>\nFinancial Consultant<br \/>\n8500 Andrew Carnegie Blvd<br \/>\nCharlotte, NC 28262<br \/>\nPhone: 901-498-6165<br \/>\n<a href=\"mailto:rosaline.banks@tiaa.org\">\u00a0rosaline.banks@tiaa.org<\/a><\/h4>\n<\/td>\n<td style=\"height: 233px;\">\n<h4>Optional<\/h4>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n[\/vc_column_text][\/tab][\/tabbed_section][\/vc_column][\/vc_row]\n","protected":false},"excerpt":{"rendered":"<p>[vc_row type=&#8221;in_container&#8221; 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