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2011 1040ez2011 1040ez 1. 2011 1040ez 403(b) Plan Basics Table of Contents What Is a 403(b) Plan? What Are the Benefits of Contributing to a 403(b) Plan?Excluded. 2011 1040ez Deducted. 2011 1040ez Who Can Participate in a 403(b) Plan?Ministers. 2011 1040ez Who Can Set Up a 403(b) Account? How Can Contributions Be Made to My 403(b) Account? Do I Report Contributions on My Tax Return? How Much Can Be Contributed to My 403(b) Account? This chapter introduces you to 403(b) plans and accounts. 2011 1040ez Specifically, the chapter answers the following questions. 2011 1040ez What is a 403(b) plan? What are the benefits of contributing to a 403(b) plan? Who can participate in a 403(b) plan? Who can set up a 403(b) account? How can contributions be made to my 403(b) account? Do I report contributions on my tax return? How much can be contributed to my 403(b) account? What Is a 403(b) Plan? A 403(b) plan, also known as a tax-sheltered annuity (TSA) plan, is a retirement plan for certain employees of public schools, employees of certain tax-exempt organizations, and certain ministers. 2011 1040ez Individual accounts in a 403(b) plan can be any of the following types. 2011 1040ez An annuity contract, which is a contract provided through an insurance company, A custodial account, which is an account invested in mutual funds, or A retirement income account set up for church employees. 2011 1040ez Generally, retirement income accounts can invest in either annuities or mutual funds. 2011 1040ez We use the term “403(b) account” to refer to any one of these funding arrangements throughout this publication, unless otherwise specified. 2011 1040ez What Are the Benefits of Contributing to a 403(b) Plan? There are three benefits to contributing to a 403(b) plan. 2011 1040ez The first benefit is that you do not pay income tax on allowable contributions until you begin making withdrawals from the plan, usually after you retire. 2011 1040ez Allowable contributions to a 403(b) plan are either excluded or deducted from your income. 2011 1040ez However, if your contributions are made to a Roth contribution program, this benefit does not apply. 2011 1040ez Instead, you pay income tax on the contributions to the plan but distributions from the plan (if certain requirements are met) are tax free. 2011 1040ez Note. 2011 1040ez Generally, employees must pay social security and Medicare tax on their contributions to a 403(b) plan, including those made under a salary reduction agreement. 2011 1040ez See chapter 4, Limit on Elective Deferrals , for more information. 2011 1040ez The second benefit is that earnings and gains on amounts in your 403(b) account are not taxed until you withdraw them. 2011 1040ez Earnings and gains on amounts in a Roth contribution program are not taxed if your withdrawals are qualified distributions. 2011 1040ez Otherwise, they are taxed when you withdraw them. 2011 1040ez The third benefit is that you may be eligible to take a credit for elective deferrals contributed to your 403(b) account. 2011 1040ez See chapter 10, Retirement Savings Contributions Credit (Saver's Credit) . 2011 1040ez Excluded. 2011 1040ez If an amount is excluded from your income, it is not included in your total wages on your Form W-2. 2011 1040ez This means that you do not report the excluded amount on your tax return. 2011 1040ez Deducted. 2011 1040ez If an amount is deducted from your income, it is included with your other wages on your Form W-2. 2011 1040ez You report this amount on your tax return, but you are allowed to subtract it when figuring the amount of income on which you must pay tax. 2011 1040ez Who Can Participate in a 403(b) Plan? Any eligible employee can participate in a 403(b) plan. 2011 1040ez Eligible employees. 2011 1040ez The following employees are eligible to participate in a 403(b) plan. 2011 1040ez Employees of tax-exempt organizations established under section 501(c)(3). 2011 1040ez These organizations are usually referred to as section 501(c)(3) organizations or simply 501(c)(3) organizations. 2011 1040ez Employees of public school systems who are involved in the day-to-day operations of a school. 2011 1040ez Employees of cooperative hospital service organizations. 2011 1040ez Civilian faculty and staff of the Uniformed Services University of the Health Sciences. 2011 1040ez Employees of public school systems organized by Indian tribal governments. 2011 1040ez Certain ministers (explained next). 2011 1040ez Ministers. 2011 1040ez The following ministers are eligible employees for whom a 403(b) account can be established. 2011 1040ez Ministers employed by section 501(c)(3) organizations. 2011 1040ez Self-employed ministers. 2011 1040ez A self-employed minister is treated as employed by a tax-exempt organization that is a qualified employer. 2011 1040ez Ministers (chaplains) who meet both of the following requirements. 2011 1040ez They are employed by organizations that are not section 501(c)(3) organizations. 2011 1040ez They function as ministers in their day-to-day professional responsibilities with their employers. 2011 1040ez Throughout this publication, the term chaplain will be used to mean ministers described in the third category in the list above. 2011 1040ez Example. 2011 1040ez A minister employed as a chaplain by a state-run prison and a chaplain in the United States Armed Forces are eligible employees because their employers are not section 501(c)(3) organizations and they are employed as ministers. 2011 1040ez Who Can Set Up a 403(b) Account? You cannot set up your own 403(b) account. 2011 1040ez Only employers can set up 403(b) accounts. 2011 1040ez A self-employed minister cannot set up a 403(b) account for his or her benefit. 2011 1040ez If you are a self-employed minister, only the organization (denomination) with which you are associated can set up an account for your benefit. 2011 1040ez How Can Contributions Be Made to My 403(b) Account? Generally, only your employer can make contributions to your 403(b) account. 2011 1040ez However, some plans will allow you to make after-tax contributions (defined below). 2011 1040ez The following types of contributions can be made to 403(b) accounts. 2011 1040ez Elective deferrals . 2011 1040ez These are contributions made under a salary reduction agreement. 2011 1040ez This agreement allows your employer to withhold money from your paycheck to be contributed directly into a 403(b) account for your benefit. 2011 1040ez Except for Roth contributions, you do not pay income tax on these contributions until you withdraw them from the account. 2011 1040ez If your contributions are Roth contributions, you pay taxes on your contributions but any qualified distributions from your Roth account are tax free. 2011 1040ez Nonelective contributions . 2011 1040ez These are employer contributions that are not made under a salary reduction agreement. 2011 1040ez Nonelective contributions include matching contributions, discretionary contributions, and mandatory contributions from your employer. 2011 1040ez You do not pay income tax on these contributions until you withdraw them from the account. 2011 1040ez After-tax contributions . 2011 1040ez These are contributions (that are not Roth contributions) you make with funds that you must include in income on your tax return. 2011 1040ez A salary payment on which income tax has been withheld is a source of these contributions. 2011 1040ez If your plan allows you to make after-tax contributions, they are not excluded from income and you cannot deduct them on your tax return. 2011 1040ez A combination of any of the three contribution types listed above. 2011 1040ez Self-employed minister. 2011 1040ez If you are a self-employed minister, you are considered both an employee and an employer, and you can contribute to a retirement income account for your own benefit. 2011 1040ez Do I Report Contributions on My Tax Return? Generally, you do not report contributions to your 403(b) account (except Roth contributions) on your tax return. 2011 1040ez Your employer will report contributions on your 2013 Form W-2. 2011 1040ez Elective deferrals will be shown in box 12 and the Retirement plan box will be checked in box 13. 2011 1040ez If you are a self-employed minister or chaplain, see the discussions next. 2011 1040ez Self-employed ministers. 2011 1040ez If you are a self-employed minister, you must report the total contributions as a deduction on your tax return. 2011 1040ez Deduct your contributions on line 28 of the 2013 Form 1040. 2011 1040ez Chaplains. 2011 1040ez If you are a chaplain and your employer does not exclude contributions made to your 403(b) account from your earned income, you may be able to take a deduction for those contributions on your tax return. 2011 1040ez However, if your employer has agreed to exclude the contributions from your earned income, you will not be allowed a deduction on your tax return. 2011 1040ez If you can take a deduction, include your contributions on line 36 of the 2013 Form 1040. 2011 1040ez Enter the amount of your deduction and write “403(b)” on the dotted line next to line 36. 2011 1040ez How Much Can Be Contributed to My 403(b) Account? There are limits on the amount of contributions that can be made to your 403(b) account each year. 2011 1040ez If contributions made to your 403(b) account are more than these contribution limits, penalties may apply. 2011 1040ez Chapters 2 through 6 provide information on how to determine the amount that can be contributed to your 403(b) account. 2011 1040ez Worksheets are provided in Chapter 9 to help you determine the maximum amount that can be contributed to your 403(b) account each year. 2011 1040ez Chapter 7, Excess Contributions , describes how to prevent excess contributions and how to get an excess contribution corrected. 2011 1040ez Prev Up Next Home More Online Publications
State and Local Consumer Agencies in Minnesota
Consumer Protection Offices
City, county, regional, and state consumer offices offer a variety of important services. They might mediate complaints, conduct investigations, prosecute offenders of consumer laws, license and regulate professional service providers, provide educational materials and advocate for consumer rights. To save time, call before sending a written complaint. Ask if the office handles the type of complaint you have and if complaint forms are provided.
State Consumer Protection Offices
Office of the Attorney General
Website: Office of the Attorney General
Office of the Attorney General
Consumer Services Division
1400 Bremer Tower
445 Minnesota St.
St. Paul, MN 55101
Phone Number: 651-296-3353
Toll-free: 1-800-657-3787 (MN)
TTY: 651-297-7206 or 1-800-366-4812
City Consumer Protection Offices
Minneapolis Department of Regulatory Services
The officials listed in this section regulate and supervise state-chartered banks. Many of them handle or refer problems and complaints about other types of financial institutions as well. Some also answer general questions about banking and consumer credit. If you are dealing with a federally chartered bank, check Federal Agencies.
Each state has its own laws and regulations for each type of insurance. The officials listed in this section enforce these laws. Many of these offices can also provide you with information to help you make informed insurance buying decisions.
Each state has its own laws and regulations for securities brokers and securities - including stocks, mutual funds, commodities, real estate, etc. The officials and agencies listed in this section enforce these laws and regulations. Many of these offices can also provide information to help you make informed investment decisions.
Department of Commerce
Website: Department of Commerce
Department of Commerce
Consumer Protection and Education
85 7th Pl. E, Suite 500
St. Paul, MN 55101
Phone Number: 651-296-4973 (Securities) 651-296-2488 (Consumer Protection)
Toll-free: 1-800-657-3602 (MN)
State Utility Commissions regulate services and rates for gas, electricity and telephones within your state. In some states, the utility commissions regulate other services such as water, transportation, and the moving of household goods. Many utility commissions handle consumer complaints. Sometimes, if a number of complaints are received about the same utility matter, they will conduct investigations.