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Income Deferral for Residents, Interns and Postdoctoral Fellows


If you are a full-time, part-time, temporary, limited-time or casual resident, intern, or postdoctoral fellow who receives a taxable compensation (e.g.salary/wages) from the University, you are eligible to make voluntary contributions to this Plan.

To receive University contributions to the Plan of up to 1.5% of your annual base salary, you must be a full-time or part-time resident or intern at the School of Medicine.  Non house-staff postdoctoral fellows do not receive University contributions.

About the Plan

You can make pre-tax contributions to the Plan each pay, from a minimum of $15 per month, up to the annual maximum established by the IRS.  (For 2014, the maximum contribution is $17,500.  For 2015, the maximum contribution is $18,000).

If you are age 50 or older, you may also be eligible to make "catch-up" contributions (up to an additional $5,500 annually in 2014, $6,000 in 2015).

You are always 100% vested in all contributions, including those from the University.  "Vesting" refers to your ownership of your Plan Account.


Initial enrollment application in the JHUSOM 403(b) retirement plan for eligible Postdoctoral Fellows can be made by submitting the following forms to the Registrar’s Office, 147 Edward D. Miller Research Building, 733 N. Broadway, Baltimore, MD 21205:

  • a signed original Salary Reduction Agreement form; AND
  • relevant investment company enrollment application(s)

The effective date of the agreement is the first day of the month following receipt of all applicable forms.  Please contact the SOM Benefits Desk at or at 410-614-3301 to have questions answered about the program. 

Forms and Applications

Salary Reduction Agreement

Fidelity Application

Fidelity Fund List

TIAA/CREF Applications and Fund List

Vanguard Application

Vanguard Fund List

 Investment Company Contact Information

American Century   Performance Chart   1-800-826-8323
FidelityPerformance Chart1-800-343-0860
TIAA/CREFPerformance Chart1-800-842-2776
VanguardPerformance Chart1-800-523-1036

 Legal Notices/Important Information

Qualified Default Investment Alternative Notice

Summary Plan Description

403(b) Fee Disclosure

Investment Options Comparative Chart


Updated:  5/13/2015