为退休储蓄
UNE is a great place to work, 和 also a great place to save for retirement. Our retirement plan enables full- 和 half-time faculty 和 staff to build long-term savings as a source of income after you retire.
We match your contributions up to 8% after 12 consecutive months of eligible service. Any University-matching contributions made to your account are 100% vested once we have made those contributions.
一旦参加福利, we recommend that you regularly review your contact information (mailing address, 电子邮件, 和 phone number) with elected insurance carriers to make sure it is up-to-date.
富达投资集团
Since January 1, 2015, all retirement contributions have been made to 富达投资集团.
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美国教师退休基金会
Although new retirement contributions are being made through 富达投资集团, you may have previous investment balances with 美国教师退休基金会 that require your continued attention.
2024年增强403(b)退休计划功能
2024年1月生效, UNE将提供雇主匹配, 高达8%的组合匹配限制, for both pre-tax 和 Roth (post-tax) employee contributions to the 忠诚 403(b) retirement plan. This change will provide you with more options for your retirement planning.
与传统的税前403(b)不同, the Roth 403(b) allows you to contribute after-tax dollars now allowing you the potential for tax-free retirement income. 有几件事你可能会喜欢 如果你正在考虑罗斯403(b)审查(PDF). 另外, it is recommended that you speak with your financial advisor or a 富达投资集团 representative.
All 403(b) 和 Roth 403(b) retirement plan investment funds are selected directly through 富达投资集团 by logging into your online account or speaking with a 富达投资集团 representative. 富达投资集团 representatives 和 their online retirement planning tools can assist with your retirement planning decisions.
退休和医疗保险资格
What to Consider As You Get Ready to Retire or Become Eligible for 医疗保险
Many things need to be considered as you become eligible for 医疗保险 or contemplate the steps toward retiring. The decisions you are making in the 18-month period prior to making these transitions can have significant impacts.
In an effort to assist you through this transition we have assembled some resources that others have found useful when planning their retirement.
重要的考虑、资源和联系
当地社会保障局
Review your Social Security benefits 和 the process of receiving this benefit. It is recommended to start the Social Security application process for your retirement benefits three months before you want your payments to start. The most secure way to apply for Social Security benefits is in-person at your local SSA office.
波特兰的位置
550森林大道套房150
波特兰，缅因州04101
1-877-319-3076
中美合作所的位置
主街110号
Saco，缅因州04072
1-877-253-4715
南缅因老龄问题机构
Provides many services 和 programs for adults 60 和 older to help you navigate insurance 和 医疗保险 options. 包括研讨会和1:1会议. 人 have found that contacting them at least 6 months prior to the anticipated retirement date to discuss the timing 和 process of enrolling in 医疗保险 has been helpful.
位置
山姆L. 科恩中心
巴拉路30号
比德福德，缅因州04005
(207) 396-6500
资源
- 医疗保险 和 health insurance counseling opportunities
- SMAAA事件日历
官方医疗保险网站和电话号码
- 医疗保险.政府
- 1 - 800 -医疗保险
健康储蓄账户(HSA)的考虑
Remember that you cannot enroll in the high deductible medical insurance plan (associated with a 健康 Savings Account) if you have other coverage, 包括医疗保险A部分. 除了, there may be tax implications if you contribute to an HSA (including UNE’s employer contribution) within 6 months of turning age 65 和 enrolling in 医疗保险 Part A. Contact a tax 和/or financial advisor for further guidance.
忠诚
迈克尔·弗雷泽, UNE’s dedicated 忠诚 workplace planning 和 guidance consultant, offers 1:1 meetings twice a month to help answer questions as you prepare for retirement. Please bring relevant account statements 和 any paperwork to help address your questions 和 needs. 需要预约. To schedule an appointment for a 1:1 with 忠诚, register online at getguidance.忠诚.com 或致电1 (800)642-7131. For general information, call 1 (800) 343-0860 or view 富达医疗保险基础 和 富达的社会保障和工作.
健康倡导者
即使你还没准备好退休, 健康倡导者 is a free 和 confidential resource that sets you up with a Personal 健康倡导者 to help walk you through your choices as you decide on continuing with UNE’s medical insurance plan or consider electing 医疗保险 coverage. They will explain all the parts of 医疗保险 coverage (A, B, C, D, 和补充性医疗保险), can review the costs of UNE’s plans 和 医疗保险 plans, 帮助您并排比较保险范围, 和 inform you of important enrollment deadlines to avoid penalties. They can even help you sign up for 医疗保险 when you are ready. 请致电1(866)695-8622与他们联系