CCPS offers 3 great ways to save for the future!

403(b) Savings Plan
Roth 403(b) Savings Plan
457(b) Deferred Compensation Plan
All of these plans provide an opportunity for employees to save additional money for retirement through payroll deductions. The traditional 403(b) and 457(b) contributions are tax deferred (pre-tax) meaning the amount contributed is excluded from Federal and Maryland State income tax at the time of contribution. The Roth 403(b) is an after-tax retirement option. You pay taxes on the money you set aside now, but the growth and future withdrawals are tax free for qualified distributions.

Signing up is easy! Your first step is to contact our approved vendor, Lincoln Financial Group. Lincoln Financial's representatives are happy to provide you their investment choices, help you decide which plan and which investments are right for you, and answer any other questions you may have.


307 International Circle
Suite 390
Hunt Valley, MD  21030

Stacey Spedden-Irrgang

Elaine Norris



Carroll Springs

Career & Tech Cetner

Carrolltowne Elementary

Elmer Wolfe Elementary

Central Office

FSK High

Century High

Mt. Airy Elementary

Cranberry Station

Mt. Airy Middle

Crossroads Middle

Northwest Middle

Ebb Valley Elementary

Outdoor School

Eldersburg Elementary

Parr's Ridge Elementary

Freedom Elementary

Robert Moton Elementary

Friendship Valley Elementary

Runnymede Elementary

Gateway School

Taneytown Elementary

Hampstead Elementary

Westminster East Middle

Liberty High

Westminster Elementary

Linton Springs Elementary

Westminster High

Manchester Valley High

Westminster West Middle

Mechanicsville Elementary

William Winchester Elementary

North Carroll Middle


Oklahoma Road Middle


Piney Ridge Elementary


Sandymount Elementary


Shiloh Middle


South Carroll High


Spring Garden Elementary


Sykesville Middle


Winfield Elementary


Winters Mill High


Retirees and Past Employees


There aren't any paper salary reduction agreements! You should submit salary deferral amounts directly to Lincoln Financial Group.  You can do this online at  24 hours per day OR by contacting Lincoln Customer Service at 1-800-234-3500, Monday through Friday, from 8:00 a.m. to 8:00 p.m. Eastern Time.  

How To Register Your Lincoln Account Online
Go to Follow the prompts; the whole process takes only about 3 minutes of your time. Once registered, you can take full advantage of the retirement planning resources, including educational articles, videos, calculators and planning tools.


Who is eligible to participate?

All CCPS employees, with the exception of CCPS student interns, are eligible to participate in both plans.
When can you enroll?
You are eligible to enroll immediately upon your date of hire.
How are contributions made?
Contributions are made via payroll deduction.  You determine the amount. You can increase, decrease, or discontinue your contribution amount at any time. 
What is the maximum amount that you can contribute?
The IRS limits the annual contributions you can make and the limits are adjusted each year. Below are the limits for 2021:
  • Elective Deferral Limit $19,500
  • Age 50 Catch-up Limit $ 6,500