|The tax benefits of participating in the RIC 403b plan differ depending on whether you elect for your deductions to be taken from your paycheck before or (if your employer plan allows Roth contributions) after taxes.
Saver's Tax Credit: You may be eligible for up to a $1,000 tax credit read more...
Qualified Roth Distribution
Roth 403b earnings are tax-free if the participant meets all 3 of these requirements.
If one or more of these requirements are not met, it is considered a non-qualified Roth distribution and subject to taxation on the earnings portion of the distributed amount. Roth contributions were invested after taxes were withheld so distributions of Roth contributions are tax-free.