ࡱ> !` abjbj\\ 7*>>S ^^^^^^^rZ Z Z 8  r0Xn L" " " " 50eT,%%%%7%>W$Yh\W^ 15  W^^" " W X^" ^" % % |^^~!" "uVZ aXZ!%,X00Xl!\\$~!~!\^@%LhMJ<6WWAX0X    rrr6 $rrr6 rrr^^^^^^  INCLUDEPICTURE "https://portal.rfsuny.org/pls/portal/docs/page/rfsuny2/main/images/rfsuny_logo.gif" \* MERGEFORMATINET  INCLUDEPICTURE "https://portal.rfsuny.org/pls/portal/docs/page/rfsuny2/main/images/top_header.jpg" \* MERGEFORMATINET  College Savings Program Background The Research Foundation (RF) offers participation through direct deposit in New Yorks College Savings Program (NYCSP). The savings plan allows an employee state and federal tax benefits while saving for qualified higher education expenses. This program is authorized under Section 529 of the Internal Revenue Code and is jointly administered through the office of the State Comptroller and the Higher Education Services Corporation. Program investments are managed by Upromise Investments, Inc.. Eligibility Any employee eligible for payroll direct deposit is eligible for the College Savings Program. Participation is only through payroll direct deposit to a NYCSP account managed by Upromise Investments, Inc.. Cost The employee pays the full cost of program participation, through a minimum $15 direct deposit contribution. A management fee of .60%, which is paid by account owners/employees, covers all costs of the Program. There are no application, maintenance, or transaction fees. Program Overview Parents, grandparents, other relatives or friends (the account owner) can set up a Tuition Savings Account for a future college student (a specific beneficiary). Contributions to the account are invested according to the investment options selected by the account owner. After the account has been open for 36 months, the account owner can withdraw money without penalty to pay for the qualified higher education expenses of the beneficiary. The first $5,000 which is invested each year for a future college student will be deductible from New York State gross income when the employee files his or her state income tax return. A married couple filing a joint return may deduct up to $10,000 per year. Investment earnings will not be taxed by the state or federal government as long as the money withdrawn is used for qualified higher education expenses and the funds remain on deposit for 36 months before they are withdrawn. Withdrawals used by the beneficiary for qualified higher education expenses are not subject to federal or New York income taxes. Note: Tax free withdrawal for federal tax purposes is part of the Economic Growth and Tax Relief Reconciliation Act of 2001. The provisions of the 2001 Tax Act expire on December 31, 2010. Accordingly, the tax provisions of the Act will no longer apply and the tax law provisions described in the Program Brochure dated November 15, 2000 will again govern the Program, if Congress does not act prior to January 1, 2011. Employee Enrollment Materials Employees should be directed to the New York's 529 College Savings Program web site at  HYPERLINK "http://www.nysaves.org" www.nysaves.org to get an Enrollment Kit. The web site provides detailed information about the program, an enrollment application kit, and a payroll deduction instruction form. Employees who want to change the amount of an existing direct deposit for this program should complete a new Payroll Deduction Instruction form. This PDF format form is available on the New York's 529 College Savings Program web site. Employee Responsibilities The employee must be qualified for and enroll in the operating location's Direct Deposit Program complete a College Savings Program "Enrollment Application Form" complete a College Savings Program "Payroll Deduction Instruction Form" submit signed and completed forms to the Research Foundation payroll office Overpayments Canceling Participation Participation in the NYCSP is by direct deposit to a Program account. The direct deposit is set up as a payment method by the operating location. Funds will continue to be deposited into the employee's Program account until the pay allocation is ended (i.e., until the payment method is end dated before payroll is run). Operating locations should have a procedure in place for employees to cancel participation in the NYCSP. This procedure should include the length of time it will take for the operating location to cancel an employee's participation in the program. If the pay method is not end dated before the next payroll is run, funds will be deposited. For an employee to retrieve these funds, he or she would have to withdraw them with any penalties that may apply. Central office payroll will not seek refunds from the College Savings Program if a direct deposit that has been set up for plan participation is not end dated by the operating location as requested by the employee. 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