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What is TRS' Tax-Deferred Annuity (TDA) Program?

TDA contribution limits are established by the Internal Revenue Service (IRS) each year; for 2025, the contribution limit is generally $23,500. (However, you may be eligible to make additional "catch-up" contributions. See What are 'catch-up' contributions? FAQ below.) Your individual TDA contribution limit for the calendar year is indicated on your personalized TDA Enrollment Form (code TD1) or TDA Contribution Rate Change Form (code TD4), or online equivalents.

Please note that the IRS limits are applied cumulatively to contributions made to Section 403(b) Plans (like TRS' TDA Program) and Section 401(k) Plans. Therefore, if you also contribute to other Section 403(b) and 401(k) Plans, you are responsible for ensuring that your aggregate contributions do not exceed the IRS limits.