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New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

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Kimberly-Clark Retirees Must Avoid These RMD Mistakes

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Healthcare Provider Update: Healthcare Provider for Kimberly-Clark: Kimberly-Clark does not typically provide direct healthcare services as a core aspect of its business. However, it does offer healthcare products under its brand portfolio, which includes items like medical gloves and protective wear used in various healthcare settings. The company primarily focuses on consumer products in personal care and hygiene, and while it may collaborate with organizations in the healthcare sector, it is not a traditional healthcare provider. Potential Healthcare Cost Increases for Kimberly-Clark in 2026: As we approach 2026, Kimberly-Clark and its consumers may face significant increases in healthcare costs due to anticipated steep hikes in health insurance premiums. The Affordable Care Act (ACA) marketplace is expected to see rate increases exceeding 60% in certain regions, driven by factors such as rising medical costs and potential loss of enhanced federal premium subsidies. Without intervention, these escalating premiums could drastically affect affordability for millions, with some policyholders at risk of experiencing up to a 75% rise in out-of-pocket expenses. This perfect storm of rising costs could pressure both Kimberly-Clark's employees and consumers, impacting the overall demand for its healthcare-related products. Click here to learn more

As Kimberly-Clark employees enter retirement, look at this phase as a new chapter full of potential, 'says Wesley Boudreaux of The Retirement Group, a division of Wealth Enhancement Group. Use your newfound freedom to discover passions and live a purposeful life.

Retirement is a new beginning, says Patrick Ray of The Retirement Group, a division of Wealth Enhancement Group. 'Kimberly-Clark retirees should rediscover their legacy by finding joy in things that were once sidelines to their careers.'

In this article, we will discuss:

1. Exploring Retirement Perspectives: It explores various attitudes and philosophies about retirement in quotes from famous people and everyday retirees in the Kimberly-Clark community.

2. Accepting New Freedoms & Opportunities: It stresses the new freedom that retirement affords, encouraging retirees to take on hobbies and activities once ruled out by career obligations.

3. Planning for Retirement & Preparing for Retirement: Part 2 reviews proactive retirement planning - financial strategies and lifestyle considerations for a happy and secure retirement.

Retirement means saying goodbye to the daily grind for a new chapter of relaxation, exploration and personal fulfillment. Be it a veteran retiree or a soon-to-be retiree from Kimberly-Clark - these retirement quotes are designed to uplift and inspire you as you enter this new phase in your career. Here are 70 retirement quotes that best describe this transition. Such quotes from famous people to everyday retirees within the Kimberly-Clark community describe the universal feeling of retirement and give hope for the future.

'Retirement is a time to do all the things you never had time to do when you worked' - Catherine Pulsifer.

The end of a career means retirement allows you to enjoy life more - take on hobbies, interests and passions you might have put off in favor of a more structured existence. This allows you to do whatever you like and have a more balanced and fulfilled life.

'Don't just retire from something; do something'. Have something to retire to' - Harry Emerson Fosdick.

Planning for retirement involves more than just the financial aspect - it involves imagining how you will spend your days having meaning. That quote says you need direction and a vision of what you want to do and experience in retirement.

Retirement is not the end of the road. 'This is the start of the open highway' - Unknown.

Retirement is a beginning for new adventures and opportunities. It lets you chart your own course, explore new lands and pursue interests once discarded. That quote reminds us that retirement offers many possibilities.

Retirement is not about doing nothing. It is all about doing what you love' - Unknown.

Retirement is not idleness, contrary to popular belief. It is about embracing your freedom to do things that fill you up. This may include volunteering or being creative, starting a business or simply spending more time with family and loved ones.

Retirement is the time to live your dream life - Unknown.

You can rewrite your life script in retirement by choosing to pursue dreams that were put off. Retirement allows you to travel the world, learn a new skill or experience another culture. 'Retirement: The escape from the rat race is nice, but you have to learn to live with less cheese' - Gene Perret.

Changes in financial picture can occur when you go from a steady income to retirement. This quote is a lighthearted reminder to manage expectations and live more frugally - that retirement is not all about material wealth but about enjoying simpler pleasures.

You should start planning your retirement before your boss does.

Prepare for a comfortable retirement. Start planning now, investing now and saving for your retirement. This quote reminds us to plan ahead for retirement.

'Retirement when every day is Saturday' - Unknown.

Many find retirement appealing because it eliminates the workweek. This quote represents the idea that every day can be a day of leisure - that you can live your life without being tied to a schedule.

Retirement should not be a time to sleep, but to see the world around you.

Retirement means a greater appreciation of the world around us. More time for the simple pleasures of life - nature, art, literature - and time with loved ones. This quote urges retirees to look around and appreciate the world.

Retirement is a process not an end - A. Sachs.

Retirement means self-discovery, growth and reinvention. This quote says that retirement is a process of learning new experiences and opportunities. It challenges retirees to see their golden years as an evolving experience.

Retirement is an occasion to celebrate the freedom and possibilities that await you. Such quotations can be an inspiration and direction to anyone approaching or entering retirement - that this is a phase of life with tremendous potential for personal growth, discovery and fulfillment. Remember that retirement is a new beginning - a chance to reclaim your purpose, rediscover your passions and live a life that reflects your desires.

Use these quotes to motivate you: your retirement years are yours to shape and enjoy!

A new study by the American Psychological Association concluded that having a positive attitude during retirement may increase quality of life and longevity. Researchers in the Journal of Happiness Studies in 2022 found that people who maintained a positive attitude towards retirement reported higher life satisfaction, better physical health and lower rates of depression. That's why we need uplifting and inspiring retirement quotes like those in this article to help spread a good vibe and make retirement more enjoyable for our audiences of Kimberly-Clark looking to retire and current retirees.

Retirement is like a blank canvas waiting to be painted. Like a good painter gives life to a plain canvas, retirement gives Kimberly-Clark workers and retirees new experiences, new passions and a renewed sense of purpose. So much like an artist choosing the right palette and brushstrokes, retirees can pick from a set of retirement quotes to act as guiding brushstrokes. With each quote, retirees paint a picture perfect canvas of life-a canvas of joy, fulfillment and a realization of long-held dreams.

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Sources:

1. Social Security Administration. 'Behavioral and Psychological Aspects of the Retirement Decision.'  ssa.gov www.ssa.gov/policy/docs/ssb/v67n3/v67n3p1.html . Accessed 24 Feb 2025.  

2. Sherrard, Darren. 'How VA’s Retirement Plan Benefits Your Bottom Line.'  VA News , 22 July 2020, news.va.gov/75587/va-retirement-plan-benefits. Accessed 24 Feb 2025.  

3. 'Retirement Planning Tools.'  USAGov , 29 Jan. 2024,  www.usa.gov/retirement-planning-tools . Accessed 24 Feb 2025.  

4. 'Benefits Planner: Retirement.'  Social Security Administration www.ssa.gov/benefits/retirement/planner/agereduction.html . Accessed 24 Feb 2025.  

5. 'Infographic: Mental Health Benefits of Exercise and Physical Activity.'  National Institute on Aging , 27 Jan. 2025,  www.nia.nih.gov/health/infographics/mental-health-benefits-exercise-and-physical-activity . Accessed 24 Feb 2025.

What is the 401(k) plan offered by Kimberly-Clark?

The 401(k) plan offered by Kimberly-Clark is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How does Kimberly-Clark match employee contributions to the 401(k) plan?

Kimberly-Clark provides a matching contribution to the 401(k) plan, which typically matches a percentage of what employees contribute, up to a specified limit.

Can employees at Kimberly-Clark choose how their 401(k) contributions are invested?

Yes, employees at Kimberly-Clark can choose from a variety of investment options within the 401(k) plan to align with their retirement goals.

When can employees at Kimberly-Clark enroll in the 401(k) plan?

Employees at Kimberly-Clark can enroll in the 401(k) plan during their initial onboarding period or during designated open enrollment periods.

Is there a vesting schedule for Kimberly-Clark's 401(k) matching contributions?

Yes, Kimberly-Clark has a vesting schedule for matching contributions, meaning employees must work for the company for a certain period before they fully own the matched funds.

What is the maximum contribution limit for Kimberly-Clark's 401(k) plan?

The maximum contribution limit for Kimberly-Clark's 401(k) plan is subject to IRS regulations, which are updated annually. Employees should refer to the latest guidelines for specific limits.

Does Kimberly-Clark offer any financial education resources for employees regarding their 401(k)?

Yes, Kimberly-Clark provides financial education resources and tools to help employees make informed decisions about their 401(k) savings and investments.

Can employees take loans against their 401(k) savings at Kimberly-Clark?

Yes, Kimberly-Clark allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan.

What happens to my 401(k) if I leave Kimberly-Clark?

If you leave Kimberly-Clark, you have several options for your 401(k), including rolling it over to another retirement account, cashing it out, or leaving it in the Kimberly-Clark plan if allowed.

How often can employees change their contribution amounts to the 401(k) at Kimberly-Clark?

Employees at Kimberly-Clark can typically change their contribution amounts to the 401(k) plan during designated enrollment periods or as specified by the plan guidelines.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Kimberly-Clark offers both a defined benefit pension plan and a defined contribution plan. The defined benefit plan provides retirement income based on years of service and compensation, with benefits frozen but payable upon reaching specific milestones. In 2015, the company transferred payment responsibilities for retirees to Prudential and MassMutual.
Restructuring and Layoffs: Kimberly-Clark announced it will lay off approximately 1,000 employees globally as part of a restructuring plan to improve operational efficiency (Source: Reuters). Cost Management: The company aims to save $500 million annually through these measures. Financial Performance: Kimberly-Clark reported a 5% increase in net sales for Q3 2023, driven by strong demand for personal care products (Source: Kimberly-Clark).
Kimberly-Clark grants RSUs that vest over time, providing shares upon meeting vesting conditions. Stock options are also part of their compensation plan, allowing employees to purchase shares at a fixed price.
Kimberly-Clark has been actively enhancing its employee healthcare benefits to adapt to the current economic, investment, tax, and political environment. In 2022, the company introduced several new healthcare initiatives aimed at improving employee well-being. These included comprehensive health insurance plans covering medical, dental, and vision care, along with mental health support through Employee Assistance Programs. The company also offered flexible work arrangements and wellness programs to help employees manage stress and maintain a healthy work-life balance. These enhancements reflect Kimberly-Clark's commitment to fostering a supportive and healthy workplace, which is essential for maintaining productivity and morale in a competitive market. In 2023, Kimberly-Clark continued to build on these initiatives by introducing additional benefits, such as increased access to telemedicine services and expanded support for mental health and wellness. The company's focus on employee healthcare aligns with its broader strategy to create a resilient and engaged workforce capable of navigating the complexities of the current economic landscape. These efforts are particularly important given the ongoing economic uncertainties and the increasing importance of employee well-being in driving business success. By investing in comprehensive healthcare benefits, Kimberly-Clark aims to attract and retain top talent, ensuring long-term sustainability and growth.
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For more information you can reach the plan administrator for Kimberly-Clark at 100 centurylink drive Monroe, LA 71203; or by calling them at 800-871-9244.

https://annualreport.stocklight.com/nyse/kmb/23601986.pdf - Page 5, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2022.pdf - Page 12, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2023.pdf - Page 15, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2024.pdf - Page 8, https://www.kimberly-clark.com/documents/benefits-guide-2023.pdf - Page 22, https://www.kimberly-clark.com/documents/benefits-guide-2024.pdf - Page 28, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2022.pdf - Page 20, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2023.pdf - Page 14, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2024.pdf - Page 17, https://www.kimberly-clark.com/documents/healthcare-plan-2023.pdf - Page 23

*Please see disclaimer for more information

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