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Postdoctoral Associates - Retirement Plans

Yale University Tax-Deferred 403 (b) Savings Plan

Postdoctoral Associates are eligible to participate in the Yale University Tax Deferred 403(b) Savings Plan, a Defined Contribution Plan that allows you to invest contributions from your pay in a wide range of investment options.

The monthly contributions and earnings are sheltered from state and federal income taxes until withdrawn at or before retirement. Your final retirement benefit will depend on your contribution rate, your investment choices and the investment return on those choices over the course of your participation in the plan.

You can contribute up to 75% of your pay to the Plan or you can elect to contribute the IRS limit of $18,000. If you are age 50 or older, you can choose to contribute an additional $6,000 at any time during or after the calendar year in which you reach the age of 50.

Employee contributions may be invested in a wide range of Vanguard and TIAA-CREF investment fund options through  TIAA-CREF (Teachers' Insurance Annuity Association/College Retirement Equities Fund). TIAA-CREF has a customized website designed specifically for Yale employees. The site offers detailed fund information with Vanguard and TIAA-CREF investment fund options and retirement planning calculators.

Some additional features are a loan provision (with TIAA-CREF), full distribution or rollover at termination or retirement and in-service distribution at age 59 1/2.

You can enroll in the Plan online via the My Benefits website by logging into the University portal (www.yale.edu/portal) and clicking "My Benefits." The My Benefits website enables you to elect a vendor and your contribution rate. The site contains a link to each vendor to allow you to make a proactive investment election and beneficiary designation. If you have any questions, contact Employee Services at 203-432-5552.

To register online, update your beneficiary information and view or change your investment options, visit www.tiaa-cref.org/yale and select Log-In or Register.  For assistance navigating the TIAA-CREF web site, please contact TIAA-CREF at 855-250-5424, Monday – Friday, 8 a.m. to 10 p.m., or Saturday, 9 a.m. to 6 p.m.