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403(B)/ TSA Plans

If You Have Been With The Organization For More Than 15 Years

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If you have worked for certain types of organizations for more than 15 years, you may be able to elect to use a special "catch-up" rule to increase the amount you can contribute to your plan. Check with your organization to see if you are eligible.

If the rule is elected, the limit on the amount that can be contributed will be increased by the least of:

    • $3,000
    • $15,000 minus previous catch-up amounts used.
    • $5,000 times the number of years of service reduced by the amount of your employer's contributions that were tax-deferred.


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