Website: TIAA
Phone: 800.842.2252

This 403(b) plan is a voluntary, defined-contribution, tax-deferred retirement program and also offers a Roth after-tax option governed by Internal Revenue Code 403(b). The amount of retirement income is determined by the number of years of participation, the amount of premiums paid each year, age at time of retirement, the experience of the investments, the income option selected at retirement and other factors.

Eligible employees (full-time exempt staff and faculty) can receive up to 5% matching contributions in the 403(b) plan*.

Contributions Limits

Employee contributions limits for 403(b) and 457(b) pre-tax and roth plans are set by the IRS.  The limits are applicable to contributions made in a calendar year (January - December). 

Pre-Tax and Roth Plans

Employee Limits
Under Age 50
Employee Limits
Age 50 or older
Employer Matching
Limit Type:Calendar YearCalendar YearPlan Year
403(b) Plan $23,000 $30,500 $15,250
457(b) Plan $23,000 $30,500  
Both 403(b) and 457(b) plans $46,000 $61,000  

*The 5% employer matching contributions in the 403(b) plan are subject to the $305,000 annual earnable compensation limit. The limitation only applies to employees hired on or after July 1, 1996 for contributions made in a plan year (July - June).

How to Enroll

TIAA Quick Guide - This guide will provide instructions and tips to enroll, change contributions, investments, transfer assets, and change your beneficiary designation.


Retirement Counseling

On-campus individual counseling appointments are available with a financial advisor with TIAA.  Click here to view the upcoming counseling sessions.

Savi Student Loan Forgiveness (PSLF) Program

UAH employees working in public service may be eligible for Public Service Loan Forgiveness (PSLF). PSLF is a federal program that can provide financial relief to eligible borrowers by forgiving the balance of your loan tax free after 120 qualifying payments. TIAA and Savi can help you with federal forgiveness programs. Despite the potentially huge benefits of this program, the rules and requirements are complex, and the loan forgiveness success rate has been relatively low. That’s why UAH and TIAA have joined forces with Savi, a social impact tech company, to offer a service that can help you successfully take advantage of programs like PSLF.

Who is eligible? The PSLF program requirements are summarized below. Eligibility is based on these and several other factors, including income, debt amount, number of dependents and other personal information. Even if your income is high, you may still be eligible. Savi can help determine your eligibility and assist in the enrollment process.                                                        

  • Employment in public service                                                                                         
  • Loans through the federal Direct Loan Program
  • Enrollment in an income-driven repayment (IDR) plan  
  • 10 years of monthly payments Program Options

OPTION 1: DO IT YOURSELF SERVICE. Cost: Free to all UAH employees. Benefits: Leverage Savi’s calculator and review repayment options. Manually apply for repayment and forgiveness programs through Department of Education. Access custom onboarding sessions and bi-monthly webinars.

OPTION 2: ESSENTIAL SERVICE. Cost: Total Annual application cost: $60. UAH will pay for ½ of the annual application cost. Employees will be responsible for $30 each year you are enrolled in the essential service program. Benefits: All of the benefits from option 1, plus fully digitized forgiveness and savings plans forms. One on one support with student loans. Access custom onboarding and bi-monthly webinars

Visit to calculate your savings and get started!


SAVI Flyer

SAVI Quick Start Guide