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

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Mosaic Professionals: Do Not Let Job Loss Ruin Your Livelihood

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Healthcare Provider Update: Healthcare Provider for Mosaic Mosaic is known for its commitment to quality health services, focusing on advanced specialty care. This commitment is underpinned by a range of healthcare providers who collaborate within the organization, prioritizing value-based care to enhance patient outcomes and reduce overall healthcare costs. Healthcare Cost Increases in 2026 As healthcare costs are projected to rise sharply in 2026, consumers, particularly those in the Affordable Care Act (ACA) marketplace, may face substantial financial burdens. With reports indicating possible premium hikes of over 60% in some states due to increasing medical expenses and the potential expiration of enhanced federal subsidies, many average consumers could see their out-of-pocket costs surge by up to 75%. This situation highlights the pressing need for strategic planning in healthcare spending and coverage selection well ahead of the looming increases. Click here to learn more

In the ever-evolving corporate landscape, experiencing a job displacement is not uncommon. The ramifications of such an event are manifold, impacting not only one's financial position but also their emotional and physical well-being. For high-achieving Mosaic professionals, this experience can be particularly jarring. While some may view it as an opportunity for a new beginning, others may find the experience deeply unsettling.

Emotional and Physical Manifestations

One cannot underestimate the myriad of emotional responses that accompany job displacement:

Emotional Responses  : These might range from initial shock and disbelief to more profound feelings like anxiety, irritability, anger, and frustration. As the reality sinks in, emotions like sadness, fear, feelings of worthlessness, and a loss of self-esteem might also emerge. Shame is another by-product, especially for those who equate their professional standing with personal worth.

Physical Responses  : The emotional turmoil often manifests physically. Common symptoms include fatigue, frequent headaches, significant weight fluctuations, disturbances in sleep patterns, gastrointestinal distress, muscle pain, and even nausea.

These responses, although distressing, are quite normal given the circumstances. However, understanding how to navigate them can pave the way for a more resilient comeback.

Strategies for Navigating Job Displacement

1.   Foster Strong Bonds  : Maintain open channels of communication with friends and family. Sharing one's feelings and concerns not only alleviates stress but also provides a platform for understanding and empathy.

2.   Prioritize Physical Well-being  : As the adage goes, a healthy body houses a healthy mind. Regular exercise serves as a powerful counter to stress. Moreover, mindful eating and adequate sleep are paramount in maintaining one's overall health.

3.   Self-compassion  : Engage in activities that foster relaxation and well-being. Whether it's a leisurely stroll, a comforting bath, meditation, prayer, or enjoying music, these actions can serve as a balm for the stressed mind.

4.   The Power of Writing  : Documenting one's journey, thoughts, and emotions can be therapeutic. It can be through journaling, letter-writing, or even simple list-making. This process can offer clarity and a sense of direction.

5.   Maintain an Optimistic Mindset  : Being mindful of one's inner dialogue is crucial. Counter negative self-talk with positive affirmations. Remember, the course of life is replete with ups and downs. Holding onto hope and envisioning a brighter future can propel one forward. It's vital to internalize that adversities are transient – 'this too shall pass'.

Consulting Professional Aid

Job displacement can trigger prolonged feelings of anxiety and depression, leading to disruptions in daily life, including sleep and leisure activities. Recognizing and addressing these emotions is vital.

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Should these feelings intensify or linger, consulting a medical or mental health professional might be prudent. Given the strain job displacement can exert on personal relationships, seeking counseling might offer beneficial perspectives and coping strategies.

In conclusion, while job displacement can be a challenging episode in one's life, it is essential to remember that it's a phase, not a permanence. With the right tools and mindset, one can not only navigate this period but also emerge stronger, more resilient, and prepared for the next chapter of their professional journey.

An additional consideration for those nearing or in Mosaic retirement is the potential impact of layoffs on one's financial security. According to a study by the Urban Institute in 2020, older workers, specifically those aged 50 and above, are less likely to regain employment after a job loss compared to their younger counterparts, which can have significant implications for retirement planning. The emotional toll of this realization is profound, as concerns about financial stability in the golden years come to the fore. To mitigate these feelings, it's imperative to reassess and possibly recalibrate retirement plans, ensuring that emotional well-being is aligned with financial preparedness.

Navigating the emotional aftermath of a layoff is akin to steering a ship through turbulent waters after decades of smooth sailing. Just as an experienced captain leans on his knowledge, instruments, and crew to weather the storm and find calm seas again, a seasoned Mosaic professional can rely on emotional coping strategies, financial recalibrations, and supportive networks to traverse the challenges of job displacement, ensuring a safe and fulfilling journey into the horizon of Mosaic retirement.

What is the 401(k) plan offered by Mosaic?

The 401(k) plan at Mosaic is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How does Mosaic match employee contributions to the 401(k) plan?

Mosaic offers a company match of 50% on employee contributions up to 6% of their salary, helping employees maximize their retirement savings.

When can employees at Mosaic enroll in the 401(k) plan?

Employees at Mosaic can enroll in the 401(k) plan during the initial onboarding process and during the annual open enrollment period.

Is there a vesting schedule for Mosaic's 401(k) plan?

Yes, Mosaic has a vesting schedule for company contributions, which typically requires employees to work for a certain number of years before they fully own the employer match.

What investment options are available in Mosaic's 401(k) plan?

Mosaic offers a variety of investment options, including target-date funds, index funds, and actively managed funds, allowing employees to choose based on their risk tolerance.

Can employees take loans against their 401(k) at Mosaic?

Yes, Mosaic allows employees to take loans against their 401(k) balance, subject to specific terms and conditions outlined in the plan.

What happens to my 401(k) if I leave Mosaic?

If you leave Mosaic, you can choose to roll over your 401(k) balance to another retirement account, cash it out, or leave it in the Mosaic plan if eligible.

Does Mosaic offer financial education resources for its 401(k) plan?

Yes, Mosaic provides financial education resources, including workshops and one-on-one consultations, to help employees make informed decisions about their 401(k) savings.

How often can employees change their contribution rate to the Mosaic 401(k) plan?

Employees at Mosaic can change their contribution rate at any time, subject to the plan’s guidelines.

Are there any fees associated with Mosaic's 401(k) plan?

Yes, there may be administrative fees and investment-related fees associated with Mosaic's 401(k) plan, which are disclosed in the plan documents.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
The Mosaic Company provides its employees with a robust 401(k) retirement plan, offering several benefits designed to enhance financial wellness. The Mosaic 401(k) plan allows employees to make pre-tax payroll deductions, which contribute to their retirement savings, with tax-deferred growth. Mosaic also supports employees through company matching contributions and annual company contributions, helping to grow their retirement accounts. The plan offers a wide range of investment options, and employees can manage their accounts through Fidelity, which provides access to tools, calculators, and account management options. Eligibility for the Mosaic 401(k) plan includes full-time employees, with options for part-time and hourly workers depending on their hours of service. The plan allows for automatic payroll deductions and enrollment at any time, providing flexibility to employees. Mosaic uses Fidelity's platform for all aspects of the 401(k) plan, including account management and beneficiary updates​ (Mosaic Benefits). For Mosaic's pension plan, details are typically outlined in the company's summary plan description documents. The pension plan, often referred to as a Defined Benefit Plan, considers factors such as years of service and age qualification. Employees typically qualify after completing a certain number of years of service, which is standard in defined benefit plans across industries. Further details about the pension plan name, specific formulas, and eligibility would be available in company documents, such as the Summary Plan Description, which can be requested from Mosaic's HR department​
In 2024, Mosaic Insurance underwent a significant restructuring of its underwriting and operational teams. The restructuring was aimed at supporting the company’s strategic expansion and driving growth for its agency business. The reorganization led to the redistribution of roles across key operational areas and advancements in technological integration. Key personnel updates included the promotion of leaders in strategic finance, corporate affairs, digital and AI strategy, and underwriting. This restructuring demonstrates Mosaic’s focus on evolving its global agency model and fostering partnerships that bring innovative solutions to the market​ (Royal Gazette)​ (Royal Gazette).
Mosaic (MOS) offers both employee stock options and Restricted Stock Units (RSUs) as part of its compensation package, with specific eligibility and conditions tied to each. The stock options are divided into Non-Qualified Stock Options (NQSOs) and Incentive Stock Options (ISOs). NQSOs are available to employees, contractors, directors, and advisors, while ISOs are limited to employees and are capped at $100,000 per year in exercisable value. RSUs can also be awarded to employees, contractors, directors, and advisors, with no set annual limits. In 2022, 2023, and 2024, Mosaic has continued to offer stock options and RSUs to key personnel, especially employees contributing to long-term company growth. Mosaic stock options grant the right to purchase company stock at a set price, and vesting schedules are typically spread over several years.
Medical Premiums: For both 2023 and 2024, employees saw slight increases in medical premiums. The monthly premium rise was approximately $6 to $29 in 2023 and $5 to $25 in 2024, depending on the plan. These adjustments reflected national trends while maintaining lower increases than expected. Dental and Vision: For four consecutive years, Mosaic maintained stable costs for dental and vision plans, ensuring that employee contributions did not rise. Wellness Incentives: Mosaic offers a $500 wellness incentive for employees and spouses/domestic partners who participate in personal health screenings under the company’s health plan. This incentive continues into 2024 as part of their focus on preventive care. Flexible Time Off: In addition to health benefits, Mosaic implemented a "Flexible Time Off" program allowing employees to take time for vacation, illness, mental health, and volunteering.
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For more information you can reach the plan administrator for Mosaic at , ; or by calling them at .

https://carlsoncap.com/articles/nua-net-unrealized-appreciation/ https://turbotax.intuit.com/tax-tips/retirement/net-unrealized-appreciation-nua-tax-treatment-amp-strategies/c71vBJZ2B https://creativeplanning.com/insights/financial-planning/how-to-use-the-net-unrealized-appreciation-nua-strategy-in-your-401k/ https://investors.mosaicco.com/press-releases/news-details/2024/Mosaic-Announces-Dates-For-First-Quarter-2024-Results-And-Conference-Call-/default.aspx https://themosaiccompany.com/ https://www.nasdaq.com/press-release/mosaic-announces-first-quarter-2024-results-2024-05-01 https://mosaicco.com/ https://www.principal.com/businesses/trends-insights/interest-rates-are-rise-and-may-impact-your-lump-sum-benefits https://www.foxrothschild.com/publications/interest-rate-hikes-present-challenge-for-fully-funded-pension-plans https://last10k.com/sec-filings/mos/0001618034-22-000004.htm https://annualreport.stocklight.com/nyse/mos/23658772.pdf https://zajacgrp.com/insights/a-comparison-of-employee-stock-options-vs-restricted-stock-units/ https://www.royalgazette.com/reinsurance/business/article/20240715/mosaic-in-restructuring-exercise/ https://www.paulweiss.com/practices/transactional/private-equity/news/mosaic-spac-completes-merger-with-vivint-smart-home?id=30516https://www.govconwire.com/ https://www.thewealthadvisor.com/article/layoffs-soared-98-2023-employers-cost-cutting-mode https://www.pymnts.com/technology/2024/tech-layoffs-reach-132000-8-months-into-2024/ https://www.brianheger.com/2023-layoff-tracker-of-organizations-announcing-job-cuts-brian-heger/ https://benefits.mosaicco.com/Financial/401k https://www.mosaicretirementplanning.com/resources/retirement-income-calculator https://www.independentactuaries.com/2024-plan-limits/ https://www.emparion.com/cash-balance-plan-lifetime-contribution-limits/

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