Human Resources

4 Summer St., Rm 104, Haverhill, MA 01830 | Office Hours 8:00-4:00 | Phone (978) 374-3411 | Fax (978) 374-3422

  • Retirement Savings Plans

    This page will help you find a wealth of information to help you make the most of your retirement.  Click here for the New England Retirement Education Group (NEREG) Financial Essentials Presentation.

    Haverhill Public Schools offers 2 optional retirement savings plans.  You can choose to enroll in one or both of the plans. You may enroll in the plan(s) and/or change your deferral amount or investment options at any time.

    403(b) Plan – Administered by PenServ

    Offers employees an opportunity to supplement their retirement program with salary deferrals contributed to a choice of annuity contracts or mutual fund products.  You have access to 14 investment providers.  The 2019 maximum contribution is $19,000 or $25,000 if you are over the age of 50.

    All employees are eligible to participant in the 403(b) plan.  PenServ 403(b) Universal Availability Notice

    Enrollment is a two-step process: PenServ Enrollment Guide
    1. Establish an investment account with one of the 14 approved investment providers.
    2. Log into PenServ to elect a deferral amount. Our Plan Access Code is chav0142.

    Enrollment and all changes are done directly with PenServ or your chosen investment provider.

    To make changes with your chosen investment provider:
    PenServ 403(b) Enrollment and Change Form

    You may contact PenServ for assistance or questions at 800-849-4001 or


    457(b) Deferred Compensation Plan – Administered by VOYA

    A retirement savings plan that allows you to defer a portion of your current income and have it invested on a tax-deferred basis.  The 2018 maximum contribution is $19,000 or $25,000 if you are over 50.  VOYA 403 + 457 Information Booklet

    Enrollment and all changes are done directly with VOYA.

    You may contact our representative for assistance or questions:
    Teri Finigan
    Phone: 800-238-8458 ext:7969869



    Links to the Retirement Systems for the City of Haverhill and MA Teachers:
    City of Haverhill Retirement System
    MA Teachers Retirement System (MTRS



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