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If you are investing in mutual funds, read the Intermediary Frequent Trading Policy (PDF).


Before you enroll with TIAA-CREF, you need to complete the forms required by your employer and the State of Maryland. Please download and print the form(s), fill out, and return to your Benefits Office.

Once you complete the required forms and select TIAA-CREF as your retirement plan vendor, that’s all you need to do. We’ll do the rest by automatically enrolling you in the plan(s) you have chosen when we receive your first contribution through your employer.

  • We’ll direct your contributions to the TIAA-CREF Lifecycle Fund that’s closest to your anticipated retirement date.
  • You’ll receive a Welcome Letter with important account and personal information, including a beneficiary designation/change form.
  • Once we’ve established your account, you can change your future allocation of contributions, transfer existing funds and name your beneficiaries by logging in to your accounts online at www.tiaa-cref.org or by calling 800 842-2776.

Note:  It’s important to name your beneficiaries; otherwise your designation will be set up as your estate.


Follow these instructions to enroll using a paper form:

  1. Download your enrollment materials from the appropriate link(s) below:
    • Complete and sign the forms.
    • Mail the forms to:

      Your Human Resources Office
      University System of Maryland