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BenefitsLink Message Boards > Retirement Plans > 403(b) Plans, Accounts or Annuities
danderson_cifs
This may be a dumb question - but when you say that 403(b) deductions are deducted pre-tax - does this include withholding, social security and medicare? Or just withholding?
wmyer
Federal withholding, and usually state withholding (depends which state).
danderson_cifs
Can you direct me to a specific ruling on this? I am sorry but need to see in writing....

Thanks
Mike Melnick
See IRC Section 3121(v)(1)(A), which is part of the definition of wages for FICA purposes. It states that elective contributions under 401(k) are not excluded from the definition of wages.
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