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Human Resources - Room 339, Lone Mountain Main
Human Resources - Room 339, Lone Mountain Main
Intermediate Public Speaking
Wednesday, April 22

Retirement Planning

Web: www.tiaa-cref.org
Phone: 800-842-2252

Fidelity Investments

Web: www.mysavingsatwork.com
Phone: 800-343-0860

USF offers both a Defined Contribution Plan 401(a) and a Voluntary Retirement Plan 403(b). The 401(a) is provided through TIAA-CREF, and the 403(b) is provided through TIAA-CREF and/or Fidelity Investments.

Visit the Financial Planning webpage for information about meeting with a consultant from one of USF's retirement plan providers.

Retirement Plan Fees 

Every year, Participant Disclosure Notice(s) are required to be sent to all eligible employees for the University’s 401(a) and 403(b) retirement plans to help you make informed decisions about your investment options. 

Read more about what is included in these disclosure notices. 

You can access the disclosure notices from the Benefits Compliance Information webpage. 

403(b) Salary Reduction

The Internal Revenue Service announced cost-of-living adjustments affecting dollar limitations for pension plans for tax year 2015. Below are the new limits: :

  • If you are under age 50 in 2015, you may contribute up to $18,000
  • If you will be age 50 by December 31, 2015, you may contribute up to $24,000 
  • If you are over age 50 in 2015, you may contribute up to $24,000

To change your contribution amount, please complete and return to HR a Salary Reduction Agreement.

Emeriti Retirement Health Plan 

The Emeriti Retirement Health Plan offers a tax-advantaged way to save, invest and accumulate assets to pay for healthcare expenses in retirement for full-time faculty/librarians and non-union staff. Click here to read about Emeriti Retirement Health Plans and Benefit Features for 2015.

For more information, review the Emeriti Plan Highlights, visit www.emeritihealth.org, or call (866) 685-6565. 

Medicare Information

Medicare is the federal health insurance program for individuals age 65 and over. Please review the Medicare and You handbook for detailed information.

Additional information can be found on the Social Security Administration website or by contacting your local Social Security Administration office.