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cavaleria -

Interesting questions!!!

First of all, go to: and follow the directions to search for "Forms & Publications" by Publication Number. Then download publication #571. It deals with TSA/403b plans...

However, you asked:
(1) <<What is the real "normal" contribution limit?>> It's 20% of your income or $10,500/year, whichever is less.
(2) <<Am I eligible for the "catch-up" clause>> No, you must be with the employer 15+ years.

(3) <<Can you use the catch-up clause more than once, or only one year?>> Effectively the "catch-up" is used continually until you're "caught-up". The plan
rep should be able to calculate "Maximum Exclusion Allowance" (MEA) and tell you your maximum salary deferral allowed. (p.s. the IRS publication has a worksheet).

(4) <<Is there a law limiting the number of times per year one can change one's 403(b) withholding>> Not any more! <<or is it just however many times one's employer will allow?>> Yup!

Hope this helps! Do check out the IRS publication...

Good luck, PP

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