{"id":3829,"date":"2018-02-21T12:31:57","date_gmt":"2018-02-21T16:31:57","guid":{"rendered":"http:\/\/www.marshall.edu\/human-resources\/?page_id=3829"},"modified":"2025-03-12T09:37:43","modified_gmt":"2025-03-12T13:37:43","slug":"retirement","status":"publish","type":"page","link":"https:\/\/www.marshall.edu\/human-resources\/benefits\/retirement\/","title":{"rendered":"Retirement"},"content":{"rendered":"<p>Every employee dreams of a secure, enjoyable retirement.\u00a0 Planning ahead financially can help you achieve your goals. Employees can build and protect their futures financial security by taking advantage of the opportunities available through Marshall University\u2019s retirement programs. Experts\u00a0estimate that individuals will need at least 70% of their annual income for each year of retirement. To build enough protection for your financial security, it is important to save as much as you can consistently over time!\u201d<\/p>\n<p ><strong>Contact a Benefits representative:<\/strong><\/p>\n<ul>\n<li>by phone at\u00a0<span class=\"baec5a81-e4d6-4674-97f3-e9220f0136c1\">304-696-6455, (Main HR number) or<\/span><\/li>\n<li><span class=\"baec5a81-e4d6-4674-97f3-e9220f0136c1\">by email at<\/span>\u00a0<a href=\"mailto:benefits@marshall.edu\">benefits<\/a><a href=\"mailto:benefits@marshall.edu\">@marshall.edu.<\/a><\/li>\n<\/ul>\n<h2>Teachers Insurance and Annuity Association<\/h2>\n<p><a href=\"https:\/\/www.tiaa.org\/public\/tcm\/marshall\">Teachers Insurance and Annuity Association<\/a> is a major financial services organization with a longstanding reputation for service and value.\u00a0 This nationwide retirement system for people working at education, research, and healthcare institutions offers high quality investment management at expense\u00a0 levels that are among the lowest in the insurance and mutual fund industries. *Some current employees have been grandfathered into the <a href=\"https:\/\/www.wvretirement.com\/TRS.html\">State Teachers Retirement <\/a>program. However, it is no longer an option for new employees.<\/p>\n<h2>Who is Eligible<\/h2>\n<ul>\n<li>Full-time benefits eligible employees which are defined as below must participate in the mandated retirement plan (401(a))\n<ul>\n<li>9 month faculty:\u00a0 working a minimum of nine months of a twelve-month period on continuous basis<\/li>\n<li>12 month faculty\/Staff:\u00a0 working at least 1,040 hours (.53 Full-Time Equivalent [FTE]) per year on a continuing basis<\/li>\n<li>Non-tenure track faculty who are hired in a full-time position but who work as a temporary for one academic year or one semester<\/li>\n<\/ul>\n<\/li>\n<li>All benefit eligible employees also have a retirement program (mentioned below) available through TIAA<\/li>\n<li>Any employee of Marshall University is eligible to contribute into the 403(b) Retirement Savings plan offered by TIAA .<\/li>\n<\/ul>\n                                            \n        \n    <div\n        id=\"contributions\"\n        x-data=\"accordion('contributions', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"contributions-button\"\n            aria-controls=\"contributions-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                Contributions\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"contributions-panel\"\n            role=\"region\"\n            aria-labelledby=\"contributions-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \n<ul>\n<li><strong>Employee Contribution<\/strong> &#8211; Employees must contribute <strong>6% of their gross salary<\/strong>\u00a0to the retirement plan of their choice. Contributions <strong>begin on the date of employment and are vested 100% immediately<\/strong>. Employees may allocate monthly contributions to a variety of investment options available in their plan of choice.<\/li>\n<li><strong>University Contribution<\/strong> &#8211;\u00a0The University will <strong>match the employees 6%<\/strong> of their gross salary.<\/li>\n<li><strong>Contribution Limits<\/strong> &#8211;\u00a0According to the <strong>IRS<\/strong>, there are limits to how much employers and employees can contribute to a plan (or IRA) each year. The plan must specifically state that contributions or benefits cannot exceed certain limits. The limits differ depending on the <a href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-contributions\">type of plan<\/a>.\n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"voluntary-retirement-programs-2\"\n        x-data=\"accordion('voluntary-retirement-programs-2', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"voluntary-retirement-programs-2-button\"\n            aria-controls=\"voluntary-retirement-programs-2-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                Voluntary Retirement Programs\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"voluntary-retirement-programs-2-panel\"\n            role=\"region\"\n            aria-labelledby=\"voluntary-retirement-programs-2-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                Additionally, both retirement plans have two voluntary retirement programs available in the form of a <strong>403(b) tax-sheltered annuity plan<\/strong> and a <strong>457(b) deferred compensation plan<\/strong>.\u00a0 Deductions may begin or end at any time. These two plans are <strong>optional to the required 6% contribution by the employee <\/strong>and are <strong>NOT matched by the institution<\/strong>.<\/p>\n<p><strong>Supplemental Retirement Plan Contribution Limits are Increasing, <\/strong><strong>Plus, New Opportunity for Employees Age 60-63!\u00a0\u00a0 <\/strong><\/p>\n<p>The West Virginia Higher Education Retirement Plan offers the opportunity for supplemental retirement savings through the 403(b) Supplemental Retirement Savings Plan and the 457(b) Voluntary Retirement Savings Plan.\u00a0 Both supplemental plans allow employees to save an additional amount for retirement \u2013 up to $23,500 in each plan. Both plans have tax-deferred and after-tax (ROTH) savings options.<\/p>\n<p>In addition to the maximum allowed in the 403(b) and 457(b) plans, employees age 50+ may contribute an additional $7,500 under a special IRS allowed option called Age 50+ Catch-Up.<\/p>\n<p>Employees aged 60 \u2013 63 are in their critical years before retirement. New federal legislation (SECURE 2.0) allows employees in this age group to take advantage of increasing how much they\u2019re saving over and above the additional amounts you already can contribute.\u00a0 You must be age 60 \u2013 63 during 2025. <a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/2025-SRA-notice.pdf\">See More with this change<\/a><\/p>\n<p><a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/Roth-and-Roth-In-Plan-Conversion-Flyer.pdf\">TIAA Roth Conversion Flyer<\/a><\/p>\n<p><a href=\"https:\/\/www.tiaa.org\/roth\">TIAA Roth Feature<\/a><\/p>\n\n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"retirement-checklist-3\"\n        x-data=\"accordion('retirement-checklist-3', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"retirement-checklist-3-button\"\n            aria-controls=\"retirement-checklist-3-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                Retirement Checklist\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"retirement-checklist-3-panel\"\n            role=\"region\"\n            aria-labelledby=\"retirement-checklist-3-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                To plan your retirement, please follow our <a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/Retirement-Checklist.pdf\">Retirement Checklist<\/a>. The list will provide you with the resources you need and the time-frame for your process.\n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"how-to-enroll-4\"\n        x-data=\"accordion('how-to-enroll-4', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"how-to-enroll-4-button\"\n            aria-controls=\"how-to-enroll-4-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                How to Enroll\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"how-to-enroll-4-panel\"\n            role=\"region\"\n            aria-labelledby=\"how-to-enroll-4-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \n<p><strong>The enrollment process is completed electronically once you begin work with the university. No action is needed on your part.<\/strong>\n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"emeritus-status-5\"\n        x-data=\"accordion('emeritus-status-5', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"emeritus-status-5-button\"\n            aria-controls=\"emeritus-status-5-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                Emeritus Status\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"emeritus-status-5-panel\"\n            role=\"region\"\n            aria-labelledby=\"emeritus-status-5-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \nEmeritus Status is potentially available to faculty, nonclassified, and classified who meet the requirements set forth in policy. Emeritus status must be requested by your Dean, Director, or Vice President and approved by the President. Once approved, Human Resource Services will generate the information needed to generate the Emeritus ID Card and any other entitlements.<\/p>\n<ul>\n<li><a href=\"https:\/\/www.marshall.edu\/human-resources\/forms-2\/\">Emeritus Request Form<\/a><\/li>\n<li><a href=\"https:\/\/www.marshall.edu\/human-resources\/human-resource-services-policies-and-procedures\/\">Emeritus Policy<\/a>\n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"irs-resources-6\"\n        x-data=\"accordion('irs-resources-6', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"irs-resources-6-button\"\n            aria-controls=\"irs-resources-6-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                IRS Resources\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"irs-resources-6-panel\"\n            role=\"region\"\n            aria-labelledby=\"irs-resources-6-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \nRetirement Planning:<\/p>\n<ul>\n<li><a title=\"Saving for Retirement\" href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/saving-for-retirement\">Saving for retirement<\/a><\/li>\n<li><a title=\"When You Retire\" href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/when-you-retire\">When you retire<\/a><\/li>\n<li><a title=\"Types of Retirement Plans 1\" href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-sponsor\/types-of-retirement-plans\">Types of Retirement Plans<\/a><\/li>\n<\/ul>\n<p>Contributions and Withdraws:<\/p>\n<ul>\n<li><a title=\"Retirement Topics Contributions\" href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-contributions\">Contribution limits<\/a><\/li>\n<li><a title=\"Retirement Topics Required Minimum Distributions RMDs\" href=\"https:\/\/www.irs.gov\/retirement-plans\/plan-participant-employee\/retirement-topics-required-minimum-distributions-rmds\">Required minimum distributions (RMD)<\/a><\/li>\n<li><a href=\"https:\/\/auth.tiaa.org\/public\/authentication\/securelogin?resume=\/as\/23jTX\/resume\/as\/authorization.ping&amp;spentity=null\">Retirement Services<\/a><\/li>\n<li><a href=\"https:\/\/www.tiaa.org\/public\/tcm\/marshall#jump-to-view\">Roll-In and Roll-Over Services<\/a><\/li>\n<\/ul>\n<hr \/>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft\" src=\"http:\/\/www.marshall.edu\/human-resources\/files\/IRS-logo.png\" width=\"70\" height=\"29\" \/>IRS Contact\u00a0Information:<\/p>\n<p><strong> Contact your local IRS office.<br \/>\n<\/strong>IRS Office\u00a0Huntington, WV<strong><br \/>\n<\/strong>845 5th Ave, Huntington, WV 25701<br \/>\n<strong>Phone: (681) 203-2120<\/strong> \n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"social-security-resources-7\"\n        x-data=\"accordion('social-security-resources-7', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"social-security-resources-7-button\"\n            aria-controls=\"social-security-resources-7-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                Social Security Resources\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"social-security-resources-7-panel\"\n            role=\"region\"\n            aria-labelledby=\"social-security-resources-7-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \nA federal program that provides retirement income, disability benefits, and health care for people 65 and older.\u00a0 For every dollar withheld from an employee\u2019s pay check, the University contributes an equal amount.\u00a0 Detailed information about particular benefits can be obtained by contacting the Social Security Office.<\/p>\n<ul>\n<li><a href=\"https:\/\/secure.ssa.gov\/iClaim\/rib\">Applying for Retirement Benefits<\/a><\/li>\n<li><a href=\"https:\/\/www.ssa.gov\/planners\/benefitcalculators.html\">Benefit Calculators<\/a><\/li>\n<li><a href=\"https:\/\/www.ssa.gov\/planners\/retire\/\">Planning for Retirement<\/a><\/li>\n<li><a href=\"https:\/\/www.dol.gov\/sites\/default\/files\/ebsa\/about-ebsa\/our-activities\/resource-center\/publications\/retirement-toolkit.pdf\">Retirement Toolkit\u00a0\u00a0<\/a><\/li>\n<\/ul>\n<hr \/>\n<p><strong><img loading=\"lazy\" decoding=\"async\" class=\"alignleft\" src=\"http:\/\/www.marshall.edu\/human-resources\/files\/SSAlogo-1.png\" width=\"44\" height=\"44\" \/>Social Security Contact Information:<\/strong><\/p>\n<p><strong>Phone<\/strong> &#8211; <strong>1-800-772-1213<\/strong>\u00a0between 7 a.m. and 7 p.m. Monday through Friday.<br \/>\n<strong>TTY 1-800-325-0778)<\/strong><br \/>\n<strong>Automated Service &#8211;\u00a01-800-772-1213<\/strong><br \/>\n<strong>Email<\/strong> &#8211;\u00a0<a href=\"https:\/\/faq.ssa.gov\/ics\/support\/ticketnewwizard.asp?style=classic\">https:\/\/faq.ssa.gov\/ics\/support\/ticketnewwizard.asp?style=classic\u00a0<\/a><br \/>\n<strong>Local Office<\/strong> &#8211;\u00a0<a href=\"https:\/\/secure.ssa.gov\/ICON\/main.jsp\">https:\/\/secure.ssa.gov\/ICON\/main.jsp<\/a><br \/>\n<strong>Mail &#8211;<br \/>\n<\/strong>Social Security Administration<br \/>\nOffice of Public Inquiries<br \/>\n1100 West High Rise<br \/>\n6401 Security Blvd.<br \/>\nBaltimore, MD 21235 \n\n                            <\/div>\n        <\/div>\n    <\/div>\n        \n    <div\n        id=\"tiaa-resources-8\"\n        x-data=\"accordion('tiaa-resources-8', false)\"\n        class=\"rounded-lg overflow-hidden mb-2 transition-all duration-300 ease-out bg-gray-50\"\n        x-bind:class=\"expanded ? 'bg-white shadow-md' : 'bg-gray-50'\"\n    >\n        <button\n            class=\"w-full flex justify-between items-center p-5 cursor-pointer border-0 text-left transition-all duration-300 ease-out bg-transparent outline-2 outline-transparent text-gray-700 hover:bg-gray-100 focus:outline-green\"\n            x-on:click=\"expanded = !expanded\"\n            x-on:keydown.escape=\"expanded = false\"\n            x-bind:aria-expanded=\"expanded\"\n            x-bind:class=\"expanded ? 'text-green' : ''\"\n            id=\"tiaa-resources-8-button\"\n            aria-controls=\"tiaa-resources-8-panel\"\n                    >\n            <div class=\"text-left font-bold contrast-more:font-black tracking-wide text-base lg:text-lg hc:text-gray-900 contrast-more:text-gray-900\">\n                TIAA Resources\n            <\/div>\n\n            <span class=\"ml-3\">\n                <svg class=\"h-5 w-5 transition-transform duration-300 ease-out stroke-gray-400 shrink-0\"\n                     x-bind:class=\"{ 'rotate-180': expanded }\"\n                     aria-hidden=\"true\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" fill=\"none\" viewBox=\"0 0 24 24\" stroke=\"currentColor\">\n                    <path stroke-linecap=\"round\" stroke-linejoin=\"round\" stroke-width=\"2.5\" d=\"M19 9l-7 7-7-7\"><\/path>\n                <\/svg>\n            <\/span>\n        <\/button>\n\n        <div\n            id=\"tiaa-resources-8-panel\"\n            role=\"region\"\n            aria-labelledby=\"tiaa-resources-8-button\"\n            x-show=\"expanded\"\n            x-collapse\n            x-cloak\n        >\n            <div class=\"text-gray-700  bg-white py-6 px-5 styled-list\">\n                \n<ul>\n<li><a href=\"https:\/\/shared.tiaa.org\/public\/publictools\/events\/meetingatworkplace?employerId=1-6787-10\">One-on-One Counselling Sessions<\/a><\/li>\n<li><a href=\"https:\/\/nam02.safelinks.protection.outlook.com\/?url=https%3A%2F%2Fwebinars.tiaa.org%2Fwcc%2Feh%2F3133860%2Fcategory%2F141779%2Fwebinar-schedule&amp;data=05%7C02%7Cooten4%40marshall.edu%7Cfac6d48c628b4427fe1708dd6168088d%7C239ab2783bba4c78b41d8508a541e025%7C0%7C0%7C638773821694644334%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=50Zwt%2BPKWWYodIPpwo4ingRDRuFLlv0LZpM4FrvBPs4%3D&amp;reserved=0\">On-Line Financial Education Web Seminars<\/a><\/li>\n<li><a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/Medicare-Fundamentals-2021.pdf\">Medicare Fundamentals: A guide to planning for healthcare in retirement<\/a><\/li>\n<li><a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/downloads\/2011\/10\/roth403bbrochure.pdf\">Roth 403(b)Contributions: A New Way to Save for Retirement\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.marshall.edu\/human-resources\/files\/downloads\/2011\/10\/Roth-Announcement-WVHEPC.pdf\">Roth Announcement from the HEPC\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.tiaa.org\/public\/tcm\/marshall\">TIAA Log In\u00a0<\/a><\/li>\n<li><a href=\"https:\/\/www.tiaa-cref.org\/marshall\">TIAA Web Center\u00a0<\/a><\/li>\n<\/ul>\n<hr \/>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"alignleft\" src=\"http:\/\/www.marshall.edu\/human-resources\/files\/TIAA-logo_1000_1x.png\" width=\"72\" height=\"21\" \/>TIAA Contact Information:<\/p>\n<p><strong>Phone &#8211;\u00a0\u00a0800-842-2252<\/strong><br \/>\nWeekday from 8 a.m. to 10 p.m. (ET) and Saturday from 9 a.m. to 6 p.m. (ET).\n\n                            <\/div>\n        <\/div>\n    <\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>Every employee dreams of a secure, enjoyable retirement.\u00a0 Planning ahead financially can help you achieve your goals. Employees can build and protect their futures financial security by taking advantage of the opportunities available through Marshall University\u2019s retirement programs. Experts\u00a0estimate that individuals will need at least 70% of their annual income for each year of retirement.<\/p>\n","protected":false},"author":116,"featured_media":0,"parent":16,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full-width.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-3829","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3829","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/users\/116"}],"replies":[{"embeddable":true,"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/comments?post=3829"}],"version-history":[{"count":17,"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3829\/revisions"}],"predecessor-version":[{"id":10146,"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/pages\/3829\/revisions\/10146"}],"up":[{"embeddable":true,"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/pages\/16"}],"wp:attachment":[{"href":"https:\/\/www.marshall.edu\/human-resources\/wp-json\/wp\/v2\/media?parent=3829"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}