International Longshoremen's Association, AFL-CIO
ILA Local 1624
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Financial Caculators | Retirement Links | Download Center
HRSA-ILA Savings and Annuity Plan (a 401k plan)
MassMutual Log in Page HRSA-ILA Member Log In Here To log in you must have an account and a PIN number.
Download Due Dilligence Report's, Prospectus(es) And Other Regulatory Publications.
MassMutual RetireSmart Academy Educational Information Provided By HRSA-ILA
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HRSA-ILA Summary Plan Discription For Savings & Annuity Plan
HRSA-ILA Savings & Annuity Plan Frequently Asked Questions
Annuity & Savings Plan. Hardship Distribution and Supporting Documentation
HRSA-ILA Savings & Annuity Plan Voluntary Contribution Limits for Tax Year 2001 through 2010
Tax forms and publications for retirement plans, are available in the Tax Section of this site.
Research ILA Savings & Annuity Plan Investment Options
MassMutual Log in Page HRSA-ILA Member Log In Here To log in you must have an account and a PIN number.
Download Due Dilligence Report's, Prospectus(es) And Other Regulatory Publications.
MassMutual RetireSmart Academy Educational Information Provided By HRSA-ILA
MassMutual Secure Email. Send A Secure Email To MassMutual.
HRSA-ILA Summary Plan Discription For Savings & Annuity Plan
HRSA-ILA Savings & Annuity Plan Frequently Asked Questions
Annuity & Savings Plan. Hardship Distribution and Supporting Documentation
HRSA-ILA Savings & Annuity Plan Voluntary Contribution Limits for Tax Year 2004 through 2010
Tax forms and publications for retirement plans, are available in the Tax Section of this site.
HRSA-ILA Summary Plan Discription For Pension Plan
HRSA-ILA Pension Frequently Asked Questions
IVR Map Page 1 HRSA-ILA Interactive Voice Response System Map.
IVR Map Page 2 HRSA-ILA Interactive Voice Response System Map.
Link To HRSA-ILA Trustee Page On Local 1624 Web Site.
ILA Members May Eligible To Take Tax Credit For Contributions To HRSA-ILA Savings & Annuity Plan.
IRS Tax Topic 610. With The Passage Of The Pension Protection Act, The Savers Tax Credit Has Been Made Permanent. ILA Members Can Take A Credit Of Up To $2000 For Contributions To The HRSA-ILA Savings And Annuity Plan.
This Credit Is In Addition To Other Tax Benefits Which May Result From Voluntary Contributions To The HRSA-ILA Savings And Annuity Plan. Contributions To A 401(K) Plan Are Not Subject To Income Tax Until Withdrawn.
The Retirement Savings Contributions Credit Applies To Individuals With Incomes Up To $25,000 ($37,500 For A Head Of Household) And Married Couples, Filing Jointly With Incomes Up To $50,000. This Is Subject To Revision For Inflation In The 2006 Tax Year.
For more information, review IRS Publication 590 Individual Retirement Arrangements (IRAs) and Form 8880 , Credit For Qualified Retirement Savings Contributions Which Include The Instructions. The Publication And Forms Can Be Downloaded At IRS.Gov Or Ordered By Calling 1-800-TAX-FORM (1-800-829-3676).
ILA Members Are Subject To Additional Tax When Taking Early Retirement.
To Discourage The Use Of Pension Funds For Purposes Other Than Normal Retirement, The Law Imposes An Additional 10% Tax On Certain Early Distributions Of These Funds. Early Distributions Are Those You Receive From A Qualified Retirement Plan Or Deferred Annuity Contract Before Reaching Age 59 1/2. For More Information, Review IRS Tax Topic 558 Tax on Early Distributions from Retirement Plans and Publication 575 Pension and Annuity Income.
ILA Members Could Be Subject To Additional Tax When Taking Rollovers Or Lump Sum Distributions
From Pension Plan Or
Savings & Annuity Plan.
A Rollover Occurs When You Withdraw Cash Or Other Assets From One Eligible Retirement Plan And Contribute All Or Part Of It Within 60 Days To Another Eligible Retirement Plan. This Transaction Is Not Taxable But It Is Reportable On Your Federal Tax Return. You Can Roll Over Most Distributions Except For:
1. The Nontaxable Part Of A Distribution, Such As Your AfterTax Contributions To A Retirement Plan (In Certain Situations After Tax Contributions Can Be Rolled Over),
2. A Distribution That Is One Of A Series Of Payments Based On Your Life Expectancy Or The Joint Life Expectancy Of You And Your Beneficiary Or Paid Over A Period Of Ten Years Or More,
3. A Required Minimum Distribution, Or
4. A Hardship Distribution.
For Further Information About Rollovers And Transfers, Refer To Publication 575 .
Contribution Limits:
ILA Members Are Subject To Income Limitations For Traditional And Roth IRAs In 2010 Tax Year.
Click Here For Yearly IRA Contribution Limits.
For more information, review IRS Publication 590
Individual Retirement Arrangements (IRAs)
Tax Forms:
Links To Download Tax Forms And Publications That Are Available In The Tax Section Of This Site.
Download Tax Forms And Publications That Are Available In The
On The IRS Site.
MassMutual RetireSmart Academy Educational Information Provided By HRSA-ILA
Investment Frequently Asked Questions
401k Catch Up Contributions Explained
Analyze Now Good Questions & Answers. Be Sure To Check Out Thier Caculators.
Livving To 100. The Living to 100 Life Expectancy Calculator uses the most current and carefully researched medical and scientific data in order to estimate how old you will live to be. Most people score in their late eighties... how about you? The calculator asks you 40 quick questions related to your health and family history, and takes about 10 minutes to complete.
401k Helpcenter Good Questions & Answers. Be Sure To Check Out Thier Caculators.
Financial Education via Podcast
Want To Learn More About Money, Finance, Retirement Or Saving, But Don't Have Time? Check Out These Free Podcast.
Download To Your IPod Or Other Mp3 Player, Burn To a Cd, or Listen Online At Your Convience.
Podcast Software:
Financial Education Podcast:
Payroll Deduction Calculator. Use This Calculator To Help You Determine The Impact Of Changing Your Payroll Deductions.
You Can Enter Your Current Payroll Information And Deductions, And Then Compare Them To
Your Proposed Deductions. Try Changing Your Withholdings, Filing Status Or 401k Retirement
Savings And Let The Payroll Deduction Calculator Show You The Impact On Your Take Home
Pay. This Calculator Has Been Updated To Use The New Withholding Schedules For 2006.
401(k) Savings
Calculator. A 401(k) can be one of your best tools for creating a secure retirement.
It provides you with two important advantages. First, all contributions and earnings to
your 401(k) are tax deferred. You only pay taxes on contributions and earnings when the
money is withdrawn. Second, many employers provide matching contributions to your 401(k)
account which can range from 0% to 100% of your contributions. The combined result is a
retirement savings plan you can not afford to pass up.
Retirement Contribution Effects on Your Paycheck
A Employee Sponsored Retirement Savings Account Can Be One Of Your Best Tools For Creating
A Secure Retirement. It Provides You With Two Important Advantages. First, All
Contributions And Earnings Are Tax Deferred. You Only Pay Taxes On Contributions And
Earnings When The Money Is Withdrawn. Second, Many Employers Provide Matching
Contributions To Your Account, Which Can Range From 0% To 100% Of Your Contributions. Use
This Calculator To See How Increasing Your Contributions To A 401(K), 403(B) Or 457 Plan
Can Affect Your Paycheck As Well As Your Retirement Savings. This Calculator Has Been
Updated To Use The New Withholding Schedules For 2006.
Hourly Paycheck Calculator. Use This Calculator To Help You Determine Your Paycheck For Hourly Wages. First, Enter
Your Current Payroll Information And Deductions. Then Enter The Hours You Expect To Work,
And How Much Your Are Paid. You Can Enter Regular, Overtime And One Additional Hourly
Rate. This Calculator Has Been Updated To Use The New Withholding Schedules For 2006.
Over 250 Financial Caculators Are Available, In Addition To The 4 Above,
At This Site.
Note: Most Calculators Require Browsers With Java Platform Version 1.1 Or Greater. For Best Results Please
Use FireFox 1.0 Or Higher, Internet Explorer 5 Or Higher, Netscape Navigator 7 Or Higher,
Or Mac OS X Safari. All Of These Browsers Provide Excellent Java Technology Support,
Including Quick Load Times And Fast Calculations.
GovBenefits.gov Your Benefits Connection
The following forms are in .pdf format which can be opened only
by Adobe Acrobat. If you do not currently have Adobe Acrobat or
Acrobat Reader on your computer you can obtain a free copy of
Acrobat Reader by clicking on the yellow button below. Follow the
instructions that are on Adobe's page. Once you have Acrobat
Reader on your computer, click on the link for the form. They
will download to your computer automatically.
Annuity And Savings Plan Standard Forms
Annuity And Savings Plan Hardship Withdrawal Forms
Pension Plan Forms
Voice Response Charts
Page 2 HRSA-ILA Interactive Voice Response System Map
All HRSA-ILA Forms On HRSA-ILA Web Site.
This Page Last Updated On 11/01/09, And Is Current As Of
Apple iTunes for Windows and Mac. This Software Allows You To Subscribe, Download
And Burn Podcast To a CD. Its Free.
Vanguard Plain Talk About Investing. Every Other Week.
Fidelity Investment Insights. By-Weekly.
Kiplinger's Personal Finance Magazine. Once a Week.
Wall Street Journal's All Podcast From Wall Street Journal & Marketwatch Website.
Financial Caculators
Retirement Links
Rail Road Retirement Board
Social Security Administration
Medicare
Pension Benefit Guarantee Corporation
Department of Labor-Employee Benefit Security Administration
AARP
Download Center: Forms & Documents You Can Use
Form-Annuity-1 Deferred Salary Agreement
Form-Annuity-2 Participant New Enrollment
Form-Annuity-3 Beneficiary Designation/Change
Form-Annuity-4 Investment Transfer
Form-B1 And B2 In A Single PDF File Beneficiary Designation For All Funds And Non-Spouse Beneficiary Designation, For Pension & Annuity Benefit Plan
Form-B3 Beneficiary Designation or Change
Participant Hardship Statement. Fill Out To Take A Hardship Withdrawal From HRSA-ILA Annuity And Savings Plan.
Burial Expenses Worksheet. Hardship Withdrawal Worksheet. Submit With Participant Hardship Statement.
Casualty Repairs Worksheet. Hardship Withdrawal Worksheet. Submit With Participant Hardship Statement.
Medical Care Worksheet. Hardship Withdrawal Worksheet. Submit With Participant Hardship Statement.
Prenvention Of Eviction Or Forclosure Worksheet. Hardship Withdrawal Worksheet. Submit With Participant Hardship Statement.
Purchase Of Principal Resident Worksheet. Hardship Withdrawal Worksheet. Participant Hardship Statement.
Tuition And Related Education Fees Worksheet. Hardship Withdrawal Worksheet. Submit With Participant Hardship Statement.
Waiver of Qualified Preretirement Survivor Annuity. Spouse Waves Right To Survivor Benefit, Submit With Participant Hardship Statement.
Form-B1 Beneficiary Designation For All Funds, Primary & Secondary Beneficiary
Form-B2 Non-Spouse Beneficiary Designation, For Pension & Annuity Benefit
Form-B1 And B2 In A Single PDF File Beneficiary Designation For All Funds And Non-Spouse Beneficiary Designation, For Pension & Annuity Benefit Plan
Form-D1 Pension Or Medicare Direct Deposit Form
Form-D3 Authorization To Cancel Direct Deposit
Page 1 HRSA-ILA Interactive Voice Response System Map
Links
All HRSA-ILA Forms On Local 1624 Web Site.