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403(b) Retirement Savings Plan

To help you add to your personal retirement savings we offer all eligible employees the option to participate in a 403(b) retirement savings plan, also called a tax-deferred annuity program. Our 403(b) plan is administered by Lincoln Financial Group.

How the plan works

This plan operates similarly to a 401(k) plan—you elect to have a percentage of your annual salary deposited into an account each pay period. You are not taxed on the money until it is withdrawn, presumably at retirement when you will be in a lower tax bracket.

New employees are automatically enrolled in the program with an initial 2% pre-tax contribution level. Participation is optional. You may also elect to contribute a different percentage of your salary on a pre-tax or after-tax (Roth) basis. There is an annual limit on contributions as determined by the IRS.

For more detailed information, download the summary plan description.

Roth 403(b) post-tax contributions

We now offer the option of contributing money on a “Roth” basis to all Health System, JHH and Bayview employees. Roth contributions are made on a post-tax basis, which means your taxable income is not reduced.

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. An advantage is that your contributions and earnings may be eligible to be tax-free at retirement. Roth contributions are combined with pre-tax contributions and are subject to the same IRS maximum limits.

Access your account

There are three convenient ways to access and make changes to your Johns Hopkins 403(b) account:


Visit Lincoln Financial Group’s website at You will need your Social Security Number and PIN. If you need a new PIN, please contact Customer Service at 800-234-3500.

  • View account balance by investment option
  • Change the amount or investment election for your contributions to the plan
  • Change investment elections on your current balance
  • Change your beneficiary
  • Review investment performance and fund details
  • View your personal rate of return
  • Use Morningstar to learn more about retirement and investment topics
  • Much more!


Call Customer Service at 800-234-3500. You will need your Social Security Number and PIN. Automated account information is available 24/7. Customer service representatives are available Monday – Friday, 7 a.m. to 9 p.m. and Saturday 9 a.m. to 3 p.m. Leave a detailed voicemail message and be guaranteed a return call the next business day.

• Hear account balance by investment option
• Change the amount or investment election for your contributions to the plan
• Change investment elections on your current balance
• Review investment performance

In-person consultations

For personalized face-to-face service, Lincoln Retirement Consultants hold regular office hours on the main campus and the Bayview Medical Center campus. See below.

Contact Lincoln Financial & consultations

General customer service

Lincoln Financial Group's Customer Service Department
Monday – Friday: 7 a.m. – 9 p.m.
Saturday: 9 a.m. – 3 p.m.

On-campus assistance and consultations

Representatives from Lincoln Financial have regular office hours on the East Baltimore and Bayview campuses, and they are available by appointment for in-person consultations. Family members are welcome to attend if needed.

Johns Hopkins Main Campus
Osler 7
Phone: 410-955-5828
Monday: 8 a.m. – 4:30 p.m.
Tuesday – Thursday: 8:30 a.m. – 4:30 p.m.
Friday: 8 a.m. – 12:30 p.m.
Evening appointments are available upon request

Bayview Medical Center
Administrative Services Center, Room 258
Phone: 410-550-1833
Fax: 260-455-0121
Tuesdays and Thursdays: 9 a.m. – 3 p.m.
Information table in the cafeteria every other Thursday from 11 a.m. – 2 p.m.

*Exit interviews: Retiring soon? Please call 410-955-5828 to schedule your exit interview with a Lincoln Financial representative.

Off-site Visits

To further accommodate employees, we have scheduled off-site visits to the following locations:

East Baltimore Medical Center
Every 3rd Thursday of the month from 12 – 2 p.m.
Second Floor Conference Room

Home Care Group
Every 2nd Monday and 1st Tuesday of the month from 8:30 a.m. – 12 p.m.
Clinical Managers Conference Room

Cranberry Station
Quarterly visits (or more often if needed)
Dates and times are determined by the office manager

Wyman Park Medical Center
Monthly visits
Dates and times are determined by the office manager

Retirement planning resources

Lincoln provides seminars to help prepare you for retirement. View a mini-presentation:

  • Put Your Future First – Realize the importance of making retirement planning a priority.
  • Be an Early Bird – This short video illustrates the long-term impact of compound interest by comparing two individuals who start contributing 10 years apart.
  • Wake Up and Smell the Coffee – See the potential impact of saving $10 more a week in a retirement plan.

Additional information

For more detailed information about the 403(b) plan, including eligibility, contribution limits, vesting, employer matching and payments, download your Summary Plan Description.

Looking for forms? Download all 403(b) benefits forms, including enrollment, beneficiary designation, distribution and rollover requests.


Questions About Retirement Benefits?

Call or stop by!
M-F, 8 a.m.-5 p.m., or by appointment

Pension and general questions:
443-997-3789 / Eastern A220

403(b) / Lincoln Financial:
410-955-5828 / Osler 7

403(b) / Lincoln Financial (Bayview):
410-550-1833 / Administrative Services Center, Room 312


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