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UMDNJS Employees receive informative Benefits Communications via:
CONTACT US


Our Benefits Staff are always available to service you with all of your
benefit matters. Please feel free to contact any one of our Benefits
Staff for a personal consultation.

Delzal Moss Director, Compensation & Benefits Services
(973) 972-4845
Peter Papa Manager, Benefits Administration
(973) 972-6263
Diane Wieckowski, Manager, Benefits Operations
(973) 972-2451
NEWARK CAMPUS
Takesha Ellerbie Benefits Associate
(973) 972-1868
Robin Hynes Benefits Associate
(973) 972-6071
Seiichi Mano Benefits Representative
(973) 972-5314
Krystyna Plonski Benefits Associate
(973) 972-6085

NEW BRUNSWICK/PISCATAWAY CAMPUSES
Charles Collard Benefits Associate
(732) 235-9415
Nancy Kiernan Benefits Associate
(732) 235-9416
Lola Vickers Benefits Representative
(732) 235-9417

STRATFORD/CAMDEN CAMPUSES
Tamika Major - Benefits Representative
(856) 566-6168
Celeste Rebardo Benefits Associate
(856) 566-6162




Our goal is to fully communicate the States benefits plans and
options that supplement cash compensation, providing security
for our employees and their families.






Defined Contribution Plans
Tax Sheltered Plan Options
2008 Annual Tax Deferral Limits

Please take time out to review the following tax-sheltered plan options.
These plans are designed to help you maximize your savings. Our goal is to
fully communicate the States benefits plans and options that supplement
cash compensation, providing security for our employees and their families.

The tax-sheltered plan options are available to eligible employees who wish
to have pretax voluntary contributions withheld in addition to their
applicable mandatory employee pension plan contributions. Participants
save on their current taxes because they are deducted from Federal gross
income, reducing their current taxable income. (These contributions,
however, are not deducted from gross income for State income tax
purposes.)


I. Alternate Benefit Program (ABP). (Applies only to ABP members)
Additional voluntary federal tax-deferred contributions under Internal
Revenue Code, Section 403(b), may also be made, based on the actual base
salary paid minus the mandatory 5% member contribution. The account
may be established with any of the current authorized carriers: AIG-
VALIC, AXA Financial (Equitable), The Hartford, ING Life Insurance and
Annuity Co., Met Life (formerly Travelers/CitiStreet), and TIAA-CREF.
Statements of accounts are furnished quarterly. A detailed description of
the investment options available to you is provided in the Carrier
Comparison Guide available at:
www.nj.gov/treasury/pensions/epbam/exhibits/pdf/ea0102bw.pdf

II. Additional Contributions Tax Sheltered (ACTS) Program - Internal
Revenue Code 403(b). (Applies to regular employees not enrolled in
ABP).

Eligible employees can obtain supplemental tax-deferred annuities with the
same carriers as currently available to members of the Alternate Benefit
Program (ABP). Voluntary employee contributions can be made, based on
the actual base salary paid, less the pension members mandatory
contributions. Statements of accounts are furnished quarterly. A detailed
description of the investment options available to you is provided in the
Carrier Comparison Guide available at:

www.nj.gov/treasury/pensions/epbam/exhibits/pdf/ea0102bw.pdf

Human Resources Department Benefits
Transforming the Delivery of Human Resources Services
Human Resources Benefits Channel
Human Resources Web Announcements
Benefits Fairs
Brown Bag Sessions
One-on-One or Telephone Consultation with
Benefits Associates & Representatives
Electronic Mail (e-mail) and
Broadcast Telephone Bulletins
Brochures
Personalized Total Compensation Statements
Plan Summaries
Fillable Forms
UMDNJS Employees
receive informative
Benefits Communications
via: Defined Contribution Plans
Tax Sheltered Plan Options
2008 Annual Tax Deferral Limits
(Voluntary tax sheltered plans continued)

III. Supplemental Annuity Collective Trust of New Jersey (SACT) -
Internal Revenue Code 403(b). (Applies to PERS and PFRS members)

Participation in the Supplemental Annuity Collective Trust of New Jersey
(SACT) is available to only Public Employees Retirement System (PERS)
and Police and Firemens Retirement System (PFRS) members. SACT is a
voluntary investment program that provides retirement income separate
from, but in addition to, the pension plan. Voluntary employee
contributions can be made based on the actual base salary paid less the
pension members mandatory contributions. Contributions are invested in
the stock market. Statements of accounts are furnished quarterly. Under
the programs Tax-Sheltered Plan, an employee enters into a salary
reduction agreement with the University, so that the salary is reduced by
the amount of the contributions. New Jersey Gross Income Tax and Social
Security do not afford similar tax-sheltered benefits and those taxes must be
paid on gross salary during participation in SACT. Visit
www.nj.gov/treasury/pensions/fact35.htm for detailed information.

IV. New Jersey State Employees Deferred Compensation Plan
(NJSEDCP) Internal Revenue Code 457. (Applies to ABP, PERS,
PFRS, Housestaff, and new hires who are not eligible to enroll in a
pension plan)

This 457 plan permits participation in the 403(b) plan with a separate
annual Tax Deferral Limit for each plan, e.g., employee is age 49 and
elects to tax shelter $15,500 in ACTS and another $15,500 in the NJ
State Employees Deferred Compensation plan.

Participation in the New Jersey State Employees Deferred Compensation
Plan (NJSEDCP) provides eligible University employees with an
opportunity to voluntarily shelter a portion of their wages from federal
income taxes. Voluntary employee contributions can be made, based on
the actual base salary paid, less the pension members mandatory, voluntary
and any pretax health plan contributions.
The NJSEDCP is governed by the guidelines of Internal Revenue Code
Section 457 and the laws of the State of New Jersey and is administered by
Prudential Financial. Statements of accounts are furnished quarterly. The
Deferred Compensation Board is the final authority on all matters
concerning the operation of the Plan and by law, the State Investment
Council has the right to supervise certain aspects of the Plan including the
investment of assets.
Visit www.nj.gov/treasury/pensions/fact32.htm for enrollment or change
procedures.
Defined Contribution Plans
Tax Sheltered Plan Options
2008 Annual Tax Deferral Limits

Tax sheltered plans limits do not include your mandatory
employee pretax contributions of 5%. This means that if you
elect one of these limits, it is over and above your mandatory 5%
contributions.

Annual Tax Deferral Limit
Category (age/year attained)
2007 2008

Age 49 and younger

$15,500
$15,500
Age 50 and older (catch-up)
$20,500
$20,500

There is a 15 years or more of University service calculation that
allows certain employees the opportunity to exceed their annual
limit up to an additional $3,000, e.g., employee is age 49 with an
annual limit $15,500, he/she can tax shelter up to an additional
$3,000 or $18,500.

It is not definite that employees will be able to exceed the annual
limit by the full $3,000 because the 15 year special election takes
employee's prior contributions into account.

As a courtesy to the University, TIAA-CREF will prepare and mail
to the affected employees (15 years or more of University service)
home addresses, their 2008 limits reflecting the additional amount.
This letter is to be submitted with the Salary Reduction/Allocation
Agreement form to document the new limit.

Only ABP, ACTS and SACT participants who wish to change
their current annual limit and applicable biweekly amount are
required to complete a new Salary Reduction/allocation
Agreement form. It is due in your campus Benefits Office by
December 21, 2007 to affect your January 11, 2008 paycheck. NJ
State Employees Deferred Compensation Plan (NJSEDCP)
participants are to contact Prudential Financial at 1-866-
NJSEDCP for any contribution changes.





Defined Contribution Plans
Tax Sheltered Plan Options
2008 Annual Tax Deferral Limits
Enrollment/Change Procedures

1. Only employees who wish to commence voluntary before-tax employee
contributions (403b) or change their current contributions are required to
complete the Salary Reduction/Allocat