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Direct rollovers - from one account to another - are nontaxable and not reported as income to the federal government. It's not a match. Your plan's funds - JOHNS HOPKINS UNIVERSITY 403 (B) PLAN Your plan offers the following diversified lineup of funds. When you leave your employer, you may be eligible to withdraw your retirement savings. Your plan may distribute your entire balance if the value does not exceed $2,000. MTNiZjYzOTYyMTI5ZDBmMDQ4NDVmMTMxY2ViZTkxYzRiNWUyM2E0MWZhOTRj Check your balance, designate your beneficiary, or manage other tasks as you pursue your retirement goals. Log in; Sign up; 401(k) Guidance; . This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. Returns associated with market extremes may occur more frequently than assumed in the models. About Probability Illustrations, Limitations, and Key Assumptions. The university agreed to pay $14 . All qualified applicants will receive consideration for . Each of the foregoing is solely responsible for its own financial condition and contractual obligations. Or you can decide to receive income for a certain number of years or take a cash withdrawal (depending on your plans provisions). Call us Return assumptions are updated annually; these updates may have a material impact on your projections. Reviewing your current investment mix to see if you need to rebalance your portfolio as you near retirement. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. Get a sense of your financial health with these easy-to-use calculators. In some cases, an investment provider may pay a portion of an investment's expense ratio to TIAA, the recordkeeper, to help offset the cost of plan administration. Review your Welcome Kit carefully to verify the information is correct, including investments and beneficiary information. You can receive the current interest earned on your TIAA Traditional Account in monthly payments. TIAA-CREF Individual & Institutional Services, LLC, Member FINRA, distributes securities products. Some of these expenses are fixed and other expenses may vary from year to year. *Guarantees are subject to the claims-paying capability of the insurer. Faculty 403(b) Eligibility. NDhlZGFmYzkxNTY4NTZmMmVmZjgzYmI2NGU4MWRjMmI4ZDAyY2RmNjk3MGM1 View JHU 403 (b) retirement plan balances and manage contributions Review and change your contribution amounts and investment provider Learn more about the investment options that are available to you Select the myChoices Retirement Enrollment tab from the Benefits & Worklife homepage. Thanks to compounding, any earnings on your investments gets reinvested and can potentially earn even more money, and so on. ZjIwNDI5YmIwMzE1YjkwYmVlNTkwZjMxYzQ5MGVmNTNiMTc1NjZmZWYzNDk1 There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. -----BEGIN REPORT----- Think about using the Retirement Advisor ToolOpens in a new window to get more insights or call one of our experienced financial consultants to discuss more options at 888-200-4074. You can make pre-tax and/or Roth contributions to the Plan each pay, from a minimum of $15 per month up to the annual maximum established by the IRS ( $22,500 in 2023). Apply today at CareerBuilder! You can: Speak with a retirement plan specialist to review your options. Regular contributions are then made by the Employer, the Participant, or both. That's just one reason why we are the #1 choice for educators in K-12 schools in the U.S. 1 and help thousands of non-profit employees realize their retirement dreams. NTFkZGViMDI5Yjg0OGJjZjUxNDAxMzA4ZmJkZTI1NTgxNDJhNWZlMjQ3ZGRk Learn about The Johns Hopkins Hospital 401K Plan, including a description from the employer, and comments and ratings provided anonymously by current and former The Johns Hopkins Hospital employees. The IRS has imposed an annual compensation limit of $330,000 in 2023. Take control of your account by signing up for e-documents. A lump-sum payment, subject to a surrender fee, may be available depending on your plan rules and the terms of your contract. John Hancock Retirement Plan Services, LLC, John Hancock Life Insurance Company (U.S.A.) and John Hancock Life Insurance Company of New York each make available a platform of investment alternatives to sponsors or administrators of retirement plans without regard to the individualized needs of any plan. General record keeping and other plan services. Take advantage of it. The 403 (b) plan is in many ways similar to its better-known cousin, the 401 (k) plan. If 10-15% is an amount you can't afford right now, contribute as much as you can comfortably afford. With the passage of the Employee Retirement Income Security Act of 1974 (ERISA), Code Section 403(b) was amended to permit custodial accounts that could invest in mutual funds. After enrolling, you'll receive a TIAA Welcome Kit and a Legal Package including your contract and contract number. Both have the same basic contribution . ZGJmNzE4YWMyODY3NDMwMTIwYWM2YjNhN2MxYjUzMTVmYzBmNWM3YWM0MzBl For help and advice, schedule an appointment with a TIAA investment professional or attend a seminarOpens in a new window. Log in and get going. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. First, think about how far off retirement is. The. For online portal support, call the Johns Hopkins University Retirement Center at TIAA at 888-200-4074, 8 a.m. to 10 p.m. Monday to Friday and 9 a.m. to 6 p.m. on Saturday. Your selected retirement year (and your spouse/ partners retirement year as applicable) can vary the withdrawal sequence determined by the engine. To be clear, for-profit retirement plan sponsors have also been targeted in excessive fee litigation cases. MWY4MDE1ZjZiZTZlNDYzZjQzMTE1NTU4YzNmZmQwNTBlNjc5MDFmNTYyM2Nm More information about retirement plan fees and expenses is available at TIAA.org/fees. Represented Employees 403(b) Plan, The Johns Hopkins Health System Corporation 403(b) Plan, Transamerica Retirement Advisors, LLC Form CRS, Click "Dashboard" under the Investments menu on the top, Explore your options to create a profile, enter your retirement goals, and, Click "Beneficiaries" under the My Plan menu on the top, From here you can name or update beneficiaries on your account, Click "e-documents" under the Documents & Forms menu on the top. Contributions to this account will be 100% vested immediately. MTQ4NTUyOWUxYTg3OTVmOTAwM2I3ZjA4MDI3NmI4NDg2M2QzOGYyZTUxNjcz To further accommodate employees, we have scheduled off-site visits to the following locations. MGMzM2YwMzVlODkzMjEzYzI5OGI1NzJhY2JiZDRjNDQxOTA2MjhhOGZmZTVk This is only if the Johns Hopkins University retirement plan accepts rollovers. In addition, for more information on fees and investments, refer to "Mutual Funds and In-Plan Annuities" via TIAA.org/performanceOpens in a new window which is a good source for additional plan and investment-related information. OWM3N2FjM2ZkZDhhYmIxYmRkY2QxMmUwMjNhNmNhZWE4YTliODVkYTAwZDZk Any withdrawals from tax-deferred sources may be assessed an early withdrawal penalty which is taken into consideration in these illustrations. the entire spectrum of defined benefit and defined contribution plans, including 401 (k) and 403 (b) (Traditional and Roth), 457, profit sharing, money purchase, cash balance, Taft-Hartley, multiple employer plans, nonqualified deferred compensation, and rollover and Roth IRA. Learn about privileges and perks. There is an annual limit on contributions as determined by the IRS. Taxes and penalties may apply. . As for income options, annuities offer you the opportunity for lifetime income with or without guaranteed payments for a fixed time period*. The simulations model tax rules for most taxable and tax-deferred investment accounts. For financial guidance, call 888-200-4074 to speak to a the JHU Retirement Center at TIAA financial consultant. M2M4N2UxZTcwNWUyNzZhMjMxNzBkMDBkNGQ0ODAyOTkyOTkzYjY5ZDI5YWI2 Argentina Australia Belgi (Nederlands) Belgique (Franais) Brasil Canada (English) Canada (Franais) Deutschland Espaa France Hong Kong India Ireland Payments stop at the end of the period, during which you will have received all your principal and earnings. The TIAA group of companies does not provide legal or tax advice. Contributing even a small amount now can potentially make a big difference by the time you retire. Get professional advice to help you save and invest for your future. Please consult your legal or tax advisor. You have options. Transamerica VoicePass can provide security and convenience without having to remember a password when you call. For general retirement plan questions, contact the JHU Benefits Service Center at 410-516-2000 or benefits@jhu.edu. To make retirement planning easier and more effective for employees, the number of investment choices is expected to be reduced GETTY IMAGES Hub staff report / Jan 13, 2020 Johns Hopkins University is conducting a review of its 403 (b) retirement plans, which will result in changes to the investment fund choices that are available to employees. But even for those hired 2013, you get an automatic 4% contribution from JHU for your 403 (b) before age 35 and 8% automatic contribution after you turn 35. Edit the available investment options for the plan. BALTIMORE, maryland 21218-3637. Johns Hopkins University 403(b) Plan, Vanguard. The Plan is established and maintained under a written document in accordance with 29 U.S.C. The Retirement Plans Investment Committee, made up of administrators, staff, and faculty, has been examining best practices in this area. Contact JHU's dedicated retirement service center at 888-200-4074, 8 a.m. to 10 p.m. weekdays, for answers to your questions. Withdrawals of earnings are subject to ordinary income tax plus a possible federal 10% penalty if made before age 59. Simply log in for more information. JHU's retirement plans reward you for your contributions and help you build toward future financial security. Loans are available from a minimum of $1,000 to a maximum of $50,000 from each employer that you are eligible to take a loan from. Important information from Johns Hopkins University . Autonomy. These costs are allocated to each participant in a uniform way. Our customer care team is available Monday through Friday, 8 a.m. 9 p.m. Johns Hopkins Medicine Retirement Plan 120 employees reported this benefit 4.1 13 Ratings Available to US-based employees Change location Employee Comments Showing 1-10 of 13 Nov 3, 2022 3.0 Former Research Assistant in nullnull 403 (b) plan was simple to set up, but the recent change to a different service provider was confusing. The following three categories of services are provided to your plan: 1. Now is a great time to consider an exciting new career at the Johns Hopkins Health System. The mutual funds chosen for your retirement savings plan provide the opportunity to focus on specific market segments - all of which offer varying degrees of risk and reward opportunities. They offer several payment options, including lifetime income. Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes U.S. and non-U.S. stocks, bonds, and real estate with smaller amounts of assets. Get details on retirement eligibility, what happens to your benefits when you retire, and the cost of health care in retirement. Ordinarily, you would receive contributions from the university beginning at age 35 or if younger than 35 when you have completed two years of service. Deposit and lending products and services are provided by TIAA Bank, a division of TIAA, FSB. No, there is no tax advantage to owning variable annuities or mutual funds in your TIAA-funded retirement plan. Requisition #:518365 Location:Johns Hopkins Bayview Medical Center, Baltimore, MD 21201 Category:Nursing Schedule:Rotating Shift. Call our customer care team at 800-755-5801 for help with your Transamerica retirement account. Any guarantees under annuities issued by TIAA are subject to TIAA's claims-paying ability. You can withdraw or transfer the value of your Plan account when you retire or leave the university. If you have money in other employer's plans, you may be able to transfer or roll it over to the Johns Hopkins University retirement plan to increase your maximum loan amount. We are vaccinating all eligible patients. You can put money away for retirement while saving on taxes. An annuity is an insurance contract with one or more fixed-rate and variable investment options. Each offers employees a tax-advantaged way to save for retirement. No, there is no tax advantage to owning variable annuities or mutual funds in your TIAA-funded retirement plan. All investing is subject to risk. During enrollment, once you choose your contribution amount, you can direct your contributions to a range of investment options. OTNlYTA2NTYzNGJhMGQyNTk3NjdmNDVjNmUzZDNmNGM5YTYxNjEzNTI2NmQy Securities are offered through Transamerica Investors Securities Corporation (TISC), memberFINRA, 440 Mamaroneck Avenue, Harrison, NY 10528. Msg & Data rates may apply. TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. Tax rules are applied throughout the process, including required minimum distribution rules that apply to some tax-deferred accounts. When you enroll online, you create an individual account where you can view your balances, change your investment mix, make transfers and other transactions. Your financial well-being is TIAA's top priority and we are committed to helping you make informed decisions. However, diversification doesn't guarantee against loss. Future healthcare expenses are important to consider as you build a long-term retirement strategy. Strive for a smart balance of aggressive and conservative investments that fit your needs. Report. The amount you withdraw will reduce your lifetime annuity income accordingly. See the Summary Plan Description for additional information on the universitys 403(b) Plan. When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Morningstar Investment Managements capital market assumptions developed using historical and forward-looking data. From navigating financial decisions today to creating a smart strategy for tomorrow, your Transamerica retirement planning consultants are here to assist you. *Investment advice is available through TIAA using an advice methodology from Morningstar Investment Management, LLC. Forecasts of expected return, expected standard deviation and correlation among asset classes are based on Morningstar Investment Management LLC's proprietary equity, fixed income, currency and risk models. An annuity is an insurance contract with one or more fixed-rate and variable investment options. Representatives from Transamerica have regular office hours on the East Baltimore and Bayview campuses, and they are available by appointment for in-person consultations. Annuity contracts and certificates are issued by Teachers Insurance and Annuity Association of America (TIAA) and College Retirement Equities Fund (CREF), New York, NY. Does it still make sense in relation to your age and lifestyle? In 1958, Congress added Section 403(b) to the Internal Revenue Code. Senior Staff hired July 1, 2011 or later will receive contributions equal to 4% of your base salary, increasing to 8% when you reach age 35. Return assumptions are estimates not guarantees. This material is for informational or educational purposes only and does not constitute fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. What is the difference between a mutual fund and an annuity? Through JHU's myChoices Retirement portal, you can enroll, view your current plan, make changes to your contribution, or otherwise manage your JHU retirement savings at any time of the year. If you are age 50 or older, you may also be eligible to make catch-up contributions (up to an additional $7,500 in 2023). Many participants enjoy the diversity of investing in mutual funds in their retirement plans. See how your retirement plan can be a helpful tool for investing for your future. Senior Staff hired prior to July 1, 2011 will receive contributions equal to 6% of your base salary, increasing to 12% when you reach age 35. 403(b) retirement savings plan; Tax-deferred annuities; Healthcare and . YzQxZTk5MjY0OGVhYWQ4OGU3ZmYwNzgwMjk4OTUzZTRlYzIwMzRjMGJlM2I4 ZmQ4YjdiZGEzNjZhZTNlMzcwZGM0ZTc4OGIwMTI4NGZkZDFlYWRjZDYxYWY4 Many participants enjoy the diversity of investing in mutual funds in their retirement plans. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. The U.S. Supreme Court will hear oral arguments on Dec. 6 in a lawsuit that contends that Northwestern University violated its duty under ERISA by allowing two 403(b) retirement plans to charge . We offer several different retirement plans, depending upon your job classification and hire . Its California Certificate of Authority number is 6992. YjdkNGJlNzk1NzE3N2FjM2ZjNDk0MjgyYTU1NzU4YWE4MzM1YjQyMmI3Mzhl The Johns Hopkins Hospital values the people who work here and offers comprehensive benefits to our employees as a total compensation package. Typically, a Company Sponsor (Employer) of this type of plan creates an account for every individual Participant. To learn more about the brokerage service including fees call 800-927-3059 or Get the BasicsOpens in a new window. Vesting refers to your ownership of your Plan account. Over the course of a year you pay for services like record keeping. For more detailed information, download the summary plan description. Requisition #:616834 Location:Johns Hopkins Hospital Nursing, Baltimore, MD 21201 Category:Allied Health/Clinical Professional Schedule:Night Shift The personalized services used most often are: $25 annual loan maintenance fee per active loan, assessed Annually. You can withdraw or transfer the value of your Plan account when you retire or leave the university. Visit our Financial Wellness Center for quick lessons on topics designed to help you live your best financial life. These payments generally are available to individuals who have attained age 55 but have not yet reached RMD Applicable Age and must begin at least one year prior to reaching RMD Applicable age. Payments from variable accounts will fluctuate based on investment performance. ZjA0YTFkYyJ9 Contact 888-200-4074 weekdays, 8 a.m.to 10 p.m. (ET) to learn more. While you are employed by the university, you may withdraw any of your interest in the Plan (including university contributions and earnings) after you reach age 70 . schedule an appointment with a TIAA investment professional or attend a seminar. ZmVhMjcxOGY1OTgxMjk3ZjY1NzRlMjNlZTliYTFiMmYwMDgzMDlhNzQwNDM0 Vesting refers to your ownership of your Plan account. ZmY5ZmJhZjFjNzRmZWUxNzFiM2JhZWMyMWJiNGE3MGYwZTM3MjA3MjM0YzYy NmM1MGI1NjIyYTczMDk4ZWQ2NGNjODg3ZGE2YjczYjJkZmZlNmUxYWZjNTI3 Learn about Johns Hopkins University's retirement savings and planning services and support for employees and retirees. How do I find an online Notary? However, 403(b) plan . Find more COVID-19 testing locations on Maryland.gov. For help and advice, call us anytime at 888-200-4074. The Morningstar name and logo are registered marks of Morningstar, Inc. Research our firm using FINRA's BrokerCheck. It is possible to lose money by investing in securities. Fees should be just one factor in your decision-making process since the lowest cost option may not be the best one for you. For assistance with the online enrollment portal, please contact the Johns Hopkins University Retirement Center at TIAA at 888-200-4074, Monday to Friday 8 a.m.-10 p.m. (ET) and Saturday 9 a.m.-6 p.m. (ET). This material does not take into account any specific objectives or circumstances of any particular investor, or suggest any specific course of action. The TIAA group of companies does not provide legal or tax advice. All Transamerica companies identified are affiliated. When we turn 65, theres an 80% probability that well live to 80, and a 27% chance well reach 95.*. ZjMzNzY0YmU2NWVkODFhNDNmZTBmYmI3YTI2YzQxNTI1YmQ4YjczNzllMzBk You will need your Social Security Number and PIN. About the Plan People are living longer than ever. If you haven't joined the plan, you can start here. This will help guide which investments you choose. See how changing your payroll deductions could impact your take home pay. Consider adding annuities1 to your retirement plan so you can create a foundation of guaranteed monthly income for life when you stop working. Learn more: Vaccines, Boosters & Additional Doses | Testing | Patient Care | Visitor Guidelines | Coronavirus. $20,000.00 Sign-On Bonus for Experienced ICU RNs! ZTRmYWJkN2JlZmFlZTNhOGQ0MzFjODE3OGZmZmY1MzM4YzM5MTQ5MDhlMjdl The Johns Hopkins University. You can withdraw all or part of your account in a single cash payment, depending on your plan rules and the terms of your contracts. Or you can decide to receive income for a certain number of years or take a cash withdrawal (depending on your plans provisions). If your plan allows, you can consider updating your contribution rate, the money set aside each paycheck for your retirement. See the Summary Plan Description for additional information on the universitys 403(b) Plan. A mutual fund is a pool of securities, such as stocks and bonds, managed by an investment company. Regular contributions are then made by the Employer, the Participant, or both. Contact TIAA or your HR Office to verify details of your plan(s) in regards to loan availability and transfer/rollover loan eligibility. Gain a holistic perspective by going beyond the numbers to live your best life. Deposit and lending products and services are provided by TIAA Bank, a division of TIAA, FSB. Call us at 800-401-8726 to get enrolled. Excessive fee lawsuits have been filed against 403 (b) plans of Emory University, the University of Pennsylvania, Johns Hopkins University and Vanderbilt University. JOHNS HOPKINS UNIVERSITY 403(B) PLAN is a DEFINED CONTRIBUTION PLAN. You are always 100% vested in all contributions, including those from the university. Mzk0ZDM1ZTQzMmZiMTA0ZjllY2UwNmIzZTQ2YmJjODJlMTk0NmE1MDIwNzA0 OGJiNjM4YWRhMDRjNWYwMjc3MzAyZjc3ZjA5MzBiNzViNzkzMjhiYzg2NzAx Its California Certificate of Authority number is 3092. You are eligible to immediately make voluntary pre-tax and/or Roth contributions to the Plan if you are a full-time, part-time, visiting, limited, or casual faculty member. You can increase, decrease or suspend the payments at any time. 403(b) Plan View plan details Income Deferral 403(b) Plan for Residents, Interns & Postdoctoral Fellows View plan details Take charge of your future today. What started as a small group of families gathered around a kitchen table in 1979 has blossomed into the nation's leading voice on mental health. The National Alliance on Mental Illness (NAMI) is t Owning mutual funds can reduce risk through diversification and professional management, and allow you to potentially invest in a broad range of asset classes U.S. and non-U.S. stocks, bonds, and real estate with smaller amounts of assets. You can withdraw elective deferrals and earnings from your retirement plan while employed by your institution but not working due to a disability. How much you can borrow may depend on the amount you currently have in the plan that is eligible for loans and whether you have other outstanding loans. I have a form requiring notarization. Create an online account to manage your retirement plan. IMPORTANT: TIAA doesn't offer loans on Roth accumulations in 403(b)/401(k) plans. These withdrawals are not available from TIAA Traditional Account balances. See below. ZmEyYjA0NTJiMmY4ZjdhM2U3NzQ0ZjE3YWQ2NzUyMGMxMjc1YTcxOWY1MGRm YzMwZGU2ZTZhZjllZjY3YzBlZDVmZjNmMzM3NTA5YjZhNjc3YTFlN2YyZTUz Start with easy recipes, videos, and tips from the Transamerica Center for Health Studies. Check your investment mix. MjhlZDg0ZDUxMWY4MzJlNmZmYjI1MTVjYTA0MWFlN2RiYmI1ODJiMDE1Mjk4 Learn what plans allow eligible employees to do. 1102(a)(1). For personalized face-to-face service, Transamerica Retirement Consultants hold regular office hours on the main campus and the Bayview Medical Center campus. ZDdhNjg4YTI1NjcwYTQ4ZGRhNDhlYjA3ZTQ1ZTExYWZiMGIzYWUwNzJkNjRl Otherwise, mutual funds and annuities are treated very similarly when offered as part of your employers retirement plan. Click any fund name for more information about a particular fund, or visit Vanguard.com to obtain prospectus. VoicePass will identify you based on YOUR stored voiceprint which is as unique as your fingerprint. If you do not maintain a Retirement Choice and/or Retirement Choice Plus account and therefore no TIAA Plan Servicing Fee was assessed, your investment revenue share credit will be reduced by the amount of the fee inorder to cover plan administrative services expenses. If you have an online account, please have your login information available. To locate past Hub and Hub at Work articles, use the search function at the top of the page. You must begin taking minimum distributions from your IRAs and employer retirement plan accounts by your required beginning date (or retirement, if later for employer retirement plan accounts). You may choose to designate all or a portion of your per-pay contribution as Roth, but these monies are not eligible for loans or hardship distributions. Mutual funds offer systematic withdrawals. Take advantage of your jobs retirement benefits. NjFlODBmMDI1MzFmZGQ5MTMxOTUyMDk5Zjc1NDI0MWIwYmVlZTBmMDEwNTgy If you're married, you may be required to get spousal consent to receive any distribution option other than a qualified joint and survivor annuity. You are always 100% vested in all contributions, including those from the university. Results may vary with each use and over time. IMPORTANT INFORMATION - Please download and read, Please download and review the Transamerica Retirement Advisors, LLC Form CRS. Even if you don't contribute at all, you still get the 4% or 8%. Log In / Sign Up: 401(k) Guidance Management Services. As you get older, more of that money may need to go toward healthcare and other essential expenses. Current investment options are assigned to asset classes based on Morningstar Categories, and fees and charges inherent in investing are incorporated with an average fee assumption for each asset class. Automated account information is available 24/7. Contribute the maximum annual amount to your retirement savings. If you believe Wordfence should be allowing you access to this site, please let them know using the steps below so they can investigate why this is happening. Many services are necessary for the day-to-day operation of your employer's retirement plan. YjZkZjFlOWU4ZDM0MjNiZGVkNTUiLCJzaWduYXR1cmUiOiI0ZDlhYjA1NjUw The CARES Act which aims to provide relief for those financially impacted by the crisis includes provisions that may allow more flexibility in accessing retirement assets for those who qualify. You may receive the university's matching contribution if you are a full-time or part-time support staff or bargaining unit member after two years of service. You can choose to receive income for a set period of two to 30 years, depending on the terms of our contract and your plan's rules (and not to exceed your life expectancy). Call Transamericas Customer Service at 800-755-5801. 403b Retirement Savings with Match YjRhNTMxYmY4ODQzNmUwYTNkMDIzNTU2NjQ0Yjc4M2JlZmE3ZGU5NThlMTYx maintains The Johns Hopkins Health System Corporation 403(b) Plan (the "403(b) Plan") that helps you add to your personal retirement savings. If you make a withdrawal prior to age 59, you may be subject to a 10% penalty in addition to ordinary income tax.