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We understand that HR representatives frequently get questions from employees about their benefits. With that in mind, we’ve created this section as a resource for questions about the Delaware Retirement Savings Plan. Below you will find helpful information, forms and resources to assist you.
DEFER Sick and Vacation Deferral Form 457(b) or 403(b) – Fillable version – Form to complete if a retiring participant wants to defer a sick and vacation time payout from either the 457(b) or 403(b) plans
DEFER Sick and Vacation Deferral Form 457(b) or 403(b) – Print version – Form to complete if a retiring participant wants to defer a sick and vacation time payout from either the 457(b) or 403(b) plans.
You should consider the investment objectives, risks, and charges and expenses of the mutual funds offered through a retirement plan, carefully before investing. The fund prospectuses and information booklet containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.
Mutual funds under a custodial or trust account agreement are intended as long-term investments designed for retirement purposes. Money distributed will be taxed as ordinary income in the year the money is distributed. Account values fluctuate with market conditions, and when surrendered the principal may be worth more or less than the original amount invested. A group fixed annuity is an insurance contract designed for investing for retirement purposes. The guarantee of the fixed account is based on the claims-paying ability of the issuing insurance company. Although it is possible to have guaranteed income for life with a fixed annuity, there is no assurance that this income will keep up with inflation. Amounts distributed will be taxed as ordinary income in the year it is distributed. An annuity does not provide any additional tax deferral benefit; tax deferral is provided by the plan. Annuities may be subject to additional fees and expenses to which other tax-qualified funding vehicles may not be subject. However, an annuity does offer other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.