Free guidance from Fidelity Investments on-demand webcasts
As part of the free retirement guidance provided by Fidelity Investments, I want to provide you with access to a series of webcasts that can help answer questions you may have.
Getting the Most out of Medicare helps break down the basics of Medicare and provide answers to questions about eligibility, types, costs and when and how to sign up.
Make the Most of Social Security covers the important steps to help you learn how to maximize your Social Security benefit when developing your retirement plan.
Top Ten Things to Do Before You Retire explains ten important steps you can take that can help you create or refine your retirement income plan.
Each webcast is about 50 minutes long. Don’t feel you need to watch it all in one sitting. The ability to start and stop at your convenience and share these important topics on retirement planning with friends and family is the goal.
I encourage you to connect with Fidelity should you have any questions on the webcasts or in general. Representatives are available for free one-on-one guidance by calling 888-766-6813 or by scheduling an appointment at getguidance.fidelity.com.
Monthly webinars are available on a variety of topics. In October –
Economic Update with TIAA Chief Economist, Tim Hopper
Money at Work 1: Foundations of Investing
Tomorrow in Focus: Saving for your Ideal Retirement
All About IRA’s
Social Security Basics
Target Date Funds and Target Risk Funds
For details and registration link, click here. Once on the site, you’ll need to register to access their virtual environment.
I’m writing with a reminder that per Internal Revenue Service (IRS) rules, employees enrolled in pre-tax benefit plans may only make elections or changes to their plans once per year (during open enrollment). However if you experience one of the following special circumstances, known as Qualifying Life Events, the event may trigger an opportunity to make a change mid-year. TIMING IS CRUCIAL. The requested change must correspond to the event that occurred; the necessary paperwork must be submitted to HR within 31 days of the event and in most cases, the change can’t be effective until the first of the month following submission of paperwork. PLAN CAREFULLY – PARTICULARLY FOR EVENTS YOU KNOW ARE UPCOMING. You don’t want to miss a deadline that might leave you in an uncomfortable situation until the next open enrollment period.
Give me a call at x8921 if any of the following events trigger the need for you to make a change, and don’t delay in calling!
Qualifying Life Events include:
Birth, adoption or placement for adoption of an eligible child
Divorce, annulment of marriage or change in domestic partner status
Loss of spouse’s job or change in his/her work status (when coverage is maintained through spouse’s plan)
A significant change in your or your spouse’s health coverage that is attributable to your spouse’s employment)
Death of a spouse or dependent
Loss of dependent status (yours or your children’s)
Becoming eligible for Medicare or Medicaid during the year
Receiving a Qualified Medical Child Support Order (QMCSO)
The 2017 holiday schedule below is available on the HR website for future reference. Please note that Monday, July 3, 2017, has been added as an additional holiday for 2017 only.
As a reminder, departments may choose to close their offices during the winter holiday. Department Heads should let their employees know early in the calendar year if the department will be closed for the winter holiday so employees can save their CTO time.
Remaining 2016 holidays
Thanksgiving: Wednesday, November 23 (1/2 day) and Thursday and Friday, November 24 and 25
Winter Holidays: Friday, December 23 and Monday, December 26
New Year’s: Friday, December 30
Departments may choose to close the week of December 26. If so, Tuesday through Thursday, December 27 -29 should be recorded as CTO.
Memorial Day: Monday, May 29
Independence Day: Monday and Tuesday, July 3 and 4
Thanksgiving: Wednesday, November 22 (1/2 day) and Thursday and Friday, November 23 and 24
Winter Holidays: Monday and Tuesday, December 25 and 26
New Year’s: Monday, January 1
Departments may choose to close the week of December 25. If so, Wednesday through Friday, December 27 – 29 should be recorded as CTO.
From United Concordia …
Want to improve your health? Start with your daily oral health routine. Practicing good dental hygiene at home by brushing, flossing, and rinsing regularly and correctly, can have a significant impact on both your oral and overall health.
Brushing: Don’t rush when you brush. Take your time and clean everywhere. Harder is not better. Good technique that reaches all the teeth is important. A clean mouth is more than just your teeth. Don’t forget to brush your tongue, cheeks and the roof of your mouth too. You should brush your teeth for about 2 minutes; however, the average person only brushes for 45 seconds!
Flossing: Tooth brushing alone isn’t enough to keep your mouth clean. Proper dental flossing reaches those areas your toothbrush can’t, like between your teeth and under the gum line. Without flossing, there are parts of your teeth that are never cleaned allowing bacteria to invade your teeth and surrounding areas.
Rinsing: Teeth surfaces make up less than half of the total mouth surface area. Rinsing with mouth wash, other over-the-counter rinses, or even plain water, can aid in eliminating bacteria that brushing and flossing alone cannot. Talk with your dentist about what kind of mouth wash or other oral rinse is right for you.
In addition to practicing good oral hygiene at home, regular visits to the dentist are also vital in keeping your mouth and body healthy.
You can learn more about the basics of oral health care by visiting United Concordia’s Dental Health Center at https://www.unitedconcordia.com/dental-insurance/dental-health/care-prevention/
You can learn more about your dental benefits and oral health information by registering on My Dental Benefits: www.unitedconcordia.com
from Anthem …
The following local in-network pharmacies, if they provide flu shots, will do so for Anthem participants with no co-pay. Anthem/Express Scripts advises you call first to check on vaccine availability, hours and age restrictions. You can call Anthem for pharmacies in other localities.
Lexington Prescription Center
It’s 2:00 a.m., your child feels sick and you need advice on how to handle. Call Anthem’s 24/7 NurseLine. Click here for information.
Feel like you’re being pulled in a 100 directions? Juggling daily demands can be incredibly stressful. Click here to register for a free webinar on ways to manage “life.”
If you have an address change during the year, you can update the address with HR/Payroll and certain benefits carriers by clicking on “Directory” in the upper right corner of most W&L web pages. Log-in if you aren’t already and click on “Preferences.” You can make edits on this page and HR and Payroll are automatically notified. We then notify benefits providers who can accept the information from us (Anthem, UCCI, FBA and Fidelity.) If you have benefits through TIAA, Genworth or MetLife, you’ll need to contact those carriers directly. Contact information for all carriers is on the back cover the 16/17 Benefits Guidebook.
If you’d like to meet with TIAA Financial Consultant Kurt Johnson or Fidelity Retirement Planner, Boyce Brice in September, their schedules and instructions for making appointments are listed on the “Programs and Events” tab on our website at humanresources.wlu.edu.
For those nearing retirement, they can explain the options for drawing money when you retire and can help with related paperwork.
Haven’t started saving for retirement yet? Take advantage of these on-campus appointment opportunities to learn about our retirement plan and investment options and they will assist you with opening your account.
We encourage all employees to meet annually with a consultant to review your investment selections, beneficiaries and demographic information.
As always, let me know if you have any questions about your retirement or any employee benefit.
Washington and Lee University provides a liberal arts education that develops students' capacity to think freely, critically, and humanely and to conduct themselves with honor, integrity, and civility. Graduates will be prepared for life-long learning, personal achievement, responsible leadership, service to others, and engaged citizenship in a global and diverse society.