退休计划
An opportunity to invest in your future.
As part of the Total Rewards package, the University of Rochester offers different retirement programs to eligible employees.
Plans 和 资格
403(b) Retirement Program
The University’s 403(b) Retirement Program helps you meet your retirement goals in two ways:
- By providing a base of financial security through the Direct Contribution that the University makes on your behalf, 和
- By making it possible for you to save additional amounts on a tax-advantaged basis (Voluntary Contributions).
Get full plan details 和 see eligibility
Deferred 补偿 457(b) Plan
The Deferred 补偿 457(b) Plan allows eligible participants (faculty members 和 senior staff members at the 59, 98, 和 99 pay grade) to accumulate tax-deferred savings for retirement or other financial needs beyond the limits of the 403(b) Retirement Program. With this plan you can:
- Save more of what you earn on a pre-tax basis.
- Defer taxes until you take the money out.
- Choose how contributions are invested.
University Direct Contribution
Effective July 1, 2023: 6.2% of eligible compensation, up to the breakpoint ($63,100), then 10.5% of eligible compensation in excess of the breakpoint, up to the IRS limit ($330,000).
关于TIAA
TIAA is the financial company responsible for keeping the records 和 accounts of the Retirement Program 和 its participants. TIAA can help you enroll in 和 manage your participation in the program. 参观 TIAA网站 to:
- 招收
- Change your contributions, investments, 和 beneficiaries
- View investment information
- Explore online retirement planning tools
- Access advice/guidance
For more specific instructions, visit our 招收 or Make Changes page.
得到支持 from TIAA
TIAA Customer Service:
Phone: (800) 410-6497
Hours: Monday – Friday, 8 a.m–10 p.m. (ET)
Schedule a one-on-one appointment: TIAA can provide you with personalized advice through a one-on-one consultation. 参观 TIAA网站 to schedule your appointment at no cost.
Additional helpful resources
We’ve compiled a list of retirement tools, videos, 和 resources below.
- Andy interactive retirement program tool: Not supported by IE 8 和 older.
- Video: 403(b) Retirement Program 资格 Overview: Review the eligibility components of the Retirement Program.
- 抢占先机: Learn about the 403(b) Retirement Program 和 the importance of saving for retirement.
- TIAA工具 & 计算器: TIAA’s online tools can help you answer many important financial questions such as how to create a budget 和 how to calculate your needs for retirement.