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Health Center 403(b) Plan (AEF Retirement Plan)

Some Clinical Faculty at the Health Science Center are designated by their college or department to participate in the AEF retirement plan in addition to the State University System Optional Retirement Program (ORP).


  • Designated Clinical Faculty are automatically enrolled with Fidelity Investments.

Contribution Rates

  • Employer: 5.14% of biweekly earnings
  • Mandatory Employee: 3.00% of biweekly earnings
  • Voluntary Employee contributions are not permitted to this plan

IRS Contribution Limits

The limits for this plan are based on our fiscal and calendar years. Visit the Retirement Plan Contribution Limits page for the current years’ maximums.



Loans/Hardship Withdrawals

Voluntary savings plans are designed for long-term retirement planning purposes and therefore employees should use other methods to save for immediate or short-term expenses. However, the UF 403(b) plans do allow for loans under very specific circumstances and according to the plans’ loan policy statements.

UF Health Center 403(b) plan participants may contact their investment provider for loan information.

Hardship withdrawals are not allowed.

Update my beneficiary

Login to your Fidelity account to update your beneficiary information.