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Withdrawals of voluntary salary reductions are available when you reach age 59½, terminate employment, retire, experience severe financial hardship, become disabled or upon your death (to be paid to your beneficiary).

Withdrawals of Annual Pension Supplement (APS), employer matching, or salary addition contributions are NOT available until after you reach age 62. The only exceptions to the age 62 restriction for these funds are death or disability.

Withdrawals made by retired Nazarene ministers may be designated as "housing allowance" and thereby may qualify as tax-free withdrawals.

See the 403(b) section of our website for more details about the plan.