Please explain 15 year Service rule for 403b in 403(b) Forum Posted September 16 · Report reply Have you checked your employer’s 403b written plan and confirmed that the 15 year catchup is allowed? Because of its possible complexity, many districts do not include it. If it IS allowed, have you read IRS Pub 57l on it? https://www.irs.gov/publications/p571#en_US_202101_publink1000239722 I don’t think your age at retirement is considered in the 15 year catch up, only that you have had 15 years of full time employment with the same district. Notice that at the bottom of the above link, there is a link to: "Worksheet 1. Maximum Amount Contributable (MAC)" that is used to determine the amount of the 15 year catch up you may be eligible for. You can qualify for both the age 50 6.5k catch up and the 3k 15 year catch up. The latter is used before the former.