Voluntary Retirement Savings Plan 
Loan and Hardship Withdrawals

USF’s  403(b) Plan allows loans and hardships for specific circumstances. If you have an account with
one of the following investment companies, you may be eligible to make a loan or hardship withdrawal
from your 403(b) account:

GALIC
Horace Mann
ING
Jefferson National
Mass Mutual
Metlife
Symetra
TIAA-CREF
Valic

How to Make a 403(b) Loan or Hardship Withdrawal:

1. Talk to a representative from your investment provider and receive from him/her the paperwork you need to apply for a loan or hardship withdrawal.

2. Log onto Retirement Manager and follow the steps to request either a Hardship Withdrawal or Loan Certificate.

3. Bring the following documents to Human Resources on the USF Tampa Campus for review and approval:

• Certificate of Eligibility (printed from Retirement Manager)

• Paperwork from your investment company

• Supporting documentation (if making a hardship withdrawal)

• Salary Reduction Agreement (if taking a hardship withdrawal)

4. Return the signed paperwork to your investment provider to process your request.

Retirement Manager

Employee Guide to Using Retirement Manager

ORP Loans and Hardship Withdrawals: The State’s Division of Retirement has a different process to request loan or hardship withdrawals from your ORP employee contributions. For more information on making an ORP loan or hardship request, contact Bob Henning, Division of Retirement, at bob.henning@dms.myflorida.com.

457 Loan and Hardship Withdrawals: For more information on eligibility for a 457 loan or hardship withdrawal, contact the State of Florida Bureau of Deferred Compensation at (877) 299-8002.