Make the most of your Savings Opportunities.
While, most employees will not make retirement plan elections during Open Enrollment, and this information is provided for newly hired and newly eligible employees, it can be helpful to review your contributions, get up to date with contribution limits, and check out how much you've saved.
Contribution Limits for Supplemental Savings Plans 403(b) and 457 for 2027 may change, but will be announced in November.
2026 IRS Contribution Limits
Select the age range you will be in at the end of the 2026 calendar year to see the contribution limit that applies to you.
Your 2026 limit
Age 49 and under
If you are age 49 or younger at the end of the calendar year, the standard annual contribution limit applies.
Your 2026 limit
Ages 50–59
If you are age 50 through 59 at the end of the calendar year, you may make the additional Age 50+ Catch-Up contribution of $8,000.
Your 2026 limit
Ages 60–63
If you are age 60 through 63 at the end of the calendar year, you may use the Super Catch-Up amount of $11,250.
Your 2026 limit
Age 64+
Beginning with the calendar year in which you turn 64, the Super Catch-Up no longer applies and your limit returns to the Age 50+ Catch-Up amount of $8,000.
Your retirement plan options depend on your employment type (listed in your offer letter) and your hire date. Use the information below to determine which retirement plans are available to you.
If you are a newly hired employee, you have 60 days from your hire date to choose a retirement plan. If you do not make a selection within that time, you will automatically be enrolled in the Virginia Retirement System (VRS).
Your retirement plan choice is generally permanent and also determines your disability, accidental death and dismemberment (AD&D), and life insurance coverage.
Eligible Employees Include: University Staff, Faculty, Classified Staff, Research Associates, and Research Scientists. Note: Medical Center Team members who previously participated in the VRS Plan 1 or Plan 2 may choose VRS over MCRP by filling out a VRS-65 form.
VRS WebpageEdible Employees Include: University Staff Managerial & Professional, University Staff Executive, Faculty, Research Associates, and Research Scientists
ORP WebpageThis program is available to Medical Center employees only
MCRP WebpageThis short video outlines the UVA retirement plan, optional supplemental savings program, and how your savings will compound over time.
If you are eligible for one of the retirement plans above, you may also have a supplemental savings plan. Housestaff, temps, and wage employees may also enroll in a supplemental savings plan.
Learn More about Supplemental SavingsRetirement planning sessions with TIAA, Fidelity, Voya and VRS are available through the signup links below.
You can choose to meet virtually or in-person. Watch the video to learn how to make the most of your appointment.
You can choose to meet virtually or in-person.
You can choose to meet virtually or in-person.
The Open Enrollment process for all Postdoctoral Fellows (non-UVA employees) is managed through UVA Human Resources. For additional information specific to Postdoctoral Fellows, contact Corinne Clasbey or Rachel Short.
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