RETIREE Retirement Benefits

MANAGING YOUR RETIREMENT PLAN BENEFITS
Understanding Your Plan(s) and Your Investment Options

Retirement Plans Sponsored By The National Academies
There are two retirement plans offered to employees of the National Academies. As a current retiree, you may have begun to withdraw your retirement benefits. Federal law requires that you begin distribution no later than the year in which you attain age 70 ½.

Primary Retirement Plan (PRP)
Voluntary Retirement Plan (PRP)

Primary Retirement Plan (PRP)	The Primary Retirement Plan is available to all benefit eligible employees. During your active employment with the National Academies, contributions to this retirement plan were made on your behalf. All contributions to this retirement plan were made by the National Academies and are 100% vested. Benefits are taxable to you when withdrawn from the plan. To receive a benefit from this plan, you may choose from several withdrawal options. All investment options for the Primary Retirement Plan are offered through a variable annuity with TIAA-CREF. TIAA-CREF Official Website View Your TIAA-CREF Account Balance (Secure Link) TIAA-CREF Fund Values (Year To Date) If you would like to meet with a representative of TIAA-CREF for a financial review, they are regularly scheduled at the KECK Center on the 2nd and 4th Wednesday of the month. To make an appointment, please contact TIAA-CREF directly at (202) 637-8917 or visit their website to Schedule A Counseling Session With TIAA-CREF.
Summary Plan Description	National Academy of Sciences Primary Retirement Plan
	PRP TIAA GRA Certificate
	PRP CREF GRA Certificate
2005 Summary Annual Report	National Academy of Sciences Primary Retirement Plan
Voluntary Retirement Plan (VRP)	The National Academies offers a 403(b) voluntary retirement plan to its employees. During your active employment you may have contributed to the Salary Reduction Contribution Retirement Plan, known as the Voluntary Retirement Plan. All contributions to this retirement plan were made directly by employees and are 100% vested. Benefits are taxable to you when withdrawn from the plan. To receive a benefit from this plan, you may choose from several withdrawal options. Investment options for the Voluntary Retirement Plan are offered through two companies: VANGUARD Mutual Funds Vanguard Official Website View Your Vanguard Account Balance (Secure Link) Vanguard Fund Values 2007 Year To Date TIAA-CREF Variable Annuity TIAA-CREF Official Website View Your TIAA-CREF Account Balance (Secure Link) TIAA-CREF Fund Values 2007 Year To Date To make an appointment, please contact TIAA-CREF directly at (202) 637-8917 or visit their website to Schedule A Counseling Session With TIAA-CREF.
Summary Plan Description	National Academy of Sciences Salary Reduction Contribution Retirement Plan
	(Commonly known as the Voluntary Retirement Plan)
	VRP Vanguard Individual Custodial Account Agreement
	VRP TIAA GRA Certificate
	VRP CREF GRA Certificate
	VRP TIAA GSRA Certificate
	VRP CREF GSRA Certificate
2005 Summary Annual Report	National Academy of Sciences Salary Reduction Contribution Retirement Plan