The 457(b) has a separate $30,000 employee deferral limit (age 50 or over) because it's defined under section 457(c), not section 415(c) as the others are. You can defer $30,000 to the 457(b) and separately $30,000 to all of the others combined. I though of mentioning that in my previous post but chose not to since the subject of 457(b) deferrals had not yet come up and I didn't want to add what would have been extraneous information.
Don't assume that a TurboTax phone rep has any particular knowledge of the tax code.
