PERMISS

TSP "Catch-Up" Contributions

The Thrift Savings Plan (TSP) offers eligible participants the opportunity to make tax deferred catch-up contributions from their basic pay to their TSP accounts. These contributions are in addition to the regular employee contributions and do not count against the annual limit for tax deferred contributions. The catch-up contributions have an annual limit. The annual limit for tax deferred contributions and catch-up contributions can be located on the Army Benefits Center-Civilian (ABC-C) website: https://www.abc.army.mil or the TSP website: https://www.tsp.gov.

Employees who meet all of the following conditions are eligible to make catch-up contributions:

  1. Age 50 or older in the year the catch-up contributions are made (the participant's birthday can be as late as December 31 of that year)
  2. At work or on paid leave during the pay period in order to make contributions, and
  3. Contributing an amount that is within the Internal Revenue Code (IRC) elective deferral limit for regular TSP for the tax year


Eligible Department of the Army civilian employees may make TSP catch-up electronically via the Employee Benefits Information System (EBIS) web site at
( https://www.abc.army.mil), or Interactive Voice Response System (IVRS) automated telephone system at 1-877-276-9287 (see the ABC-C Telephone MENU on the ABC-C web site for OCONUS phone numbers).


Hard copy enrollment form will not be accepted. There is no agency-matching element for catch-up contributions.

The ABC-C website ( https://www.abc.army.mil) provides detail information on TSP catch-up contributions. ABC-C counselors are available at 1-877-276-9287 to answer questions regarding TSP catch-up contributions.

Catch up contributions will not continue from year to year; a new election is required for each calendar year.

Content last reviewed: 10/17/2012-VOH

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This page was last revised: 10/17/2012