LINCOLN FINANCIAL GROUP

• Access Your Lincoln Account at www.lfg.com
• Download Forms  
• Seminars

Your employer has chosen Lincoln Financial Group to administer the 403(b) program.  Under this program, you elect to have a percentage of your annual salary deposited in your Lincoln account each pay period on a pre-tax basis.  You are not taxed on the money until it is withdrawn, presumably at retirement when you will be in a lower tax bracket.

Best of all, one-on-one guidance from a Lincoln professional for retirement planning assistance is available at no additional charge.  Lincoln also provides seminars to help prepare you for retirement.

View one of Lincoln Financial's mini-presentations:

• 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.

Office Hours and Contact Information 

The Representatives of Lincoln Financial Group are available by appointment for face-to-face consultations.  Family members are welcome to attend if needed.

Johns Hopkins Main Campus
Phipps Building - Room 493
Phone: 410-955-5828
Fax: 443-287-4224
Monday 8:00 am until 4:30 pm, Tuesday - Thursday 8:30 am until 4:30 pm
Friday 8:00 am until 12:30 pm
Evening appointments are available upon request

Bayview Medical Center
Administrative Services Center - Room 312
Phone: 410-550-1833
Fax: 260-455-0121
Mondays and Thursdays from 9 a.m. until 4 p.m.
Information table in the cafeteria every other Thursday from 11 a.m.
until 2 p.m.

Lincoln Financial Group's Customer Service Department
800-234-3500
Monday - Friday from 7 a.m. until 9 p.m.
Saturday - 9 am until 3 p.m.
www.lfg.com

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 noon until 2 p.m.
Second Floor Conference Room

Home Care Group
Every 2nd Monday and 1st Tuesday of the month from 8:30 a.m. until 12 noon
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

Accessing Your Johns Hopkins Health System 403(b) Retirement Account 

We would like to remind you that access to your Johns Hopkins 403(b) Retirement Account is always a computer click or phone call away.  There are 3 convenient ways in which you can access and make changes to your account:

1.  Internet - www.lfg.com

You can not only view and make changes to your account at any time, you also have the ability to use Morningstar to learn more about retirement and investment topics. The following are just some of the things you can do at LincolnAlliance.com:

• 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

To access www.lfg.com you will need your Social Security Number and PIN. If you need a new PIN, please contact Customer Service at 800-234-3500.

2.  Toll Free 800-234-3500

Via this toll free number you can also access your account 24/7 by entering your Social Security Number and PIN. Through the toll free number you can:

• 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
• Speak with Customer Service Representatives Monday – Friday 7am to 9pm and Saturday 9am to 3pm
• Leave a detailed voicemail message and be guaranteed a return call the next business day

3.  Personal Service - Lincoln Retirement Consultants

As noted above, for personalized face-to-face service, Lincoln Retirement Consultants hold regular office hours on the main campus and the Bayview Medical Center campus.

Roth 403(b) Now Available!

What is a Roth 403(b)?  A Roth contribution is a post-tax contribution, which means it doesn't reduce your taxable income.

What is the advantage of a Roth 403(b)?  The Roth contributions and earnings are all tax free at retirement.  Note: The IRS has several requirements in order for you to qualify for the tax free treatment.

Are there any other downsides to the Roth 403(b)?  Roth contributions will not be eligible for loans or hardship distributions.

How much can I contribute in Roth Contributions?  The Roth contributions are part of the current 403(b) plans.  Thus, the combination of Roth and regular pre-taxed contributions can not exceed the normal annual limits (i.e., $15,500 for 2008) plus any catch-up contributions (i.e., $5,000 for anyone over age 50, and long service catch-up).

Who is eligible for the Roth 403(b)?  The following employees are now eligible to make Roth 403(b) contributions:

All employees of The Johns Hopkins Health System Corporation
All employees of The Johns Hopkins Hospital
All employees of The Johns Hopkins Bayview Medical Center, Inc.

How can I get more information?  Contact the Lincoln Office!

Johns Hopkins Hospital
Phipps Building - Room 493
410-955-5828

Bayview Medical Center
Administrative Services Center - Room 312
410-550-1833

Additional Resources

IRS Deferral Limits