Central Texas College

Frequently Asked Questions ("FAQ")

1. Question: Are QPP and SPP funds available for loans or hardship withdrawals?
  Answer: QPP and SPP do not contain any provisions for loans or hardship withdrawals.
2. Question: Can an employee opt out of QPP or SPP participation?

Because of federal laws and ERISA requirements, all QPP-eligible employees MUST participate in QPP, and all SPP-eligible employees MUST participate in SPP, as a condition of their employment.

Note: QPP and SPP are completely separate from TRS (Teachers’ Retirement System of Texas) and ORP (Optional Retirement Plan). For TRS and ORP information, please check the Retirement section under the Employee Benefits web page.