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

8 smart habits PPG Industries employees can adopt to help boost credit scores

Healthcare Provider Update: Healthcare Provider for PPG Industries: PPG Industries, a global supplier of paints and coatings, typically partners with prominent healthcare providers in the corporate sector to offer comprehensive health insurance plans for its employees. Specific providers can vary by region but may include nationwide insurers such as UnitedHealthcare, Anthem Blue Cross Blue Shield, or Cigna, depending on the company's benefits structure. Potential Healthcare Cost Increases for PPG Industries in 2026: In light of anticipated changes in the healthcare landscape, PPG Industries may face significant healthcare cost increases in 2026. As record premium hikes are projected, with some states experiencing increases over 60%, the loss of enhanced federal premium subsidies could exacerbate financial strains on employees. Reports indicate that over 22 million participants in the ACA marketplace might see an astounding rise in out-of-pocket premiums, with average hikes anticipated to exceed 75%. This challenging environment could compel PPG to reevaluate its employee health benefits strategy to mitigate costs and maintain adequate coverage. Click here to learn more

'Strong credit habits can give PPG Industries employees greater flexibility when preparing for major financial decisions, especially as they transition toward retirement,' says Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'PPG Industries employees who build and maintain strong credit habits may position themselves for smoother financial decisions in the years leading up to retirement,' says Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

How strong credit can support borrowing for major purchases.
Eight habits that may positively influence your credit score.
Ways to monitor and maintain the accuracy of your credit report.

When borrowing for a major purchase, strong credit can make the process smoother and possibly less expensive. Like preparing for a long-term project at PPG Industries, progress comes from consistent effort over time—not rushing right before the deadline.

Here are eight habits that can support your credit score.

1. Make timely bill payments

Payment history is a major factor in credit scoring. Staying on top of due dates for loans and credit cards demonstrates reliability. Options like scheduled reminders or autopay can help keep everything flowing.

2. Maintain minimal credit balances

Using only a portion of your available credit—especially on revolving accounts like credit cards—can contribute to a stronger score. Credit utilization (how much of your borrowing limit you’re using) is a key consideration for lenders.

3. Keep older accounts open when it makes sense

The length of your credit history influences how strong your borrowing profile appears. Older accounts highlight more long-term behavior. However, if an account has high fees or encourages overspending, closing it may still be practical for some PPG Industries households.

4. Limit unnecessary new credit applications

Applying for credit can trigger hard inquiries that temporarily place slight downward pressure on your credit score. Multiple inquiries for the same type of loan—like mortgage rate shopping—typically count as one within a defined window. Checking your own credit does not affect your score.

5. Maintain a healthy mix of credit types

Responsibly managing a blend of installment loans and revolving accounts can demonstrate financial flexibility. This doesn’t mean taking on debt that isn’t needed. However, thoughtfully managing different forms of credit over time may help strengthen your profile as life evolves during and after a PPG Industries career.

6. Monitor your credit report regularly

You are entitled to free credit reports from the major bureaus—Equifax®, Experian®, and TransUnion®. Reviewing them can help identify errors, lingering balances, or signs of fraud. Staying proactive keeps your credit information accurate and up-to-date.

7. Dispute any reporting mistakes

If you find incorrect data on your report, you can file a dispute with the reporting bureau and contact the creditor at issue. Fixing errors can help make sure your score reflects your actual history.

8. Strengthen your overall financial picture

Budgeting, keeping debt manageable, and maintaining an emergency fund may make it easier to keep up with credit-related commitments. When finances stay organized, positive credit habits typically follow.

Need help planning for retirement?

A well-managed credit profile can be an important part of your overall financial life, including the transition into retirement. The Retirement Group can assist you as you prepare for your future. If you would like guidance, call (800) 900-5867 to speak with our team.

Need help planning for retirement?

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Sources:

1. Consumer Financial Protection Bureau. “How Do I Dispute an Error on My Credit Report?” CFPB , 18 Dec. 2024, www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/ . Accessed 27 Oct. 2025.

2. Experian Editorial Team. “Do Multiple Loan Inquiries Affect Your Credit Score?” Experian , 30 Aug. 2024, www.experian.com/blogs/ask-experian/do-multiple-loan-inquiries-affect-your-credit-score/ . Accessed 27 Oct. 2025.

3. FICO. “What’s in My FICO® Scores?” myFICO , n.d., www.myfico.com/credit-education/whats-in-your-credit-score . Accessed 27 Oct. 2025.

4. Federal Deposit Insurance Corporation. “Credit Reports.” FDIC , 1 Aug. 2023, www.fdic.gov/consumer-resource-center/credit-reports . Accessed 27 Oct. 2025.

5. Federal Trade Commission. “Free Credit Reports.” FTC Consumer Advice , 2023–2024, consumer.ftc.gov/free-credit-reports. Accessed 27 Oct. 2025.

What are the key factors that PPG Industries (UK) Limited employees should consider when planning for retirement, and how does the PPG Pension Hub facilitate this planning process to ensure a secure financial future?

Key factors for retirement planning and PPG Pension Hub: Employees at PPG Industries (UK) Limited should consider their lifestyle goals, contributions, and the age at which they wish to retire. The PPG Pension Hub facilitates retirement planning by providing access to personal pension data, modeling tools, and resources that help employees visualize their retirement income and savings adjustments(PPG INDUSTRIES UK LIMIT…).

How does the introduction of the Bridging Pension option affect the retirement planning of PPG Industries (UK) Limited employees, particularly those who are considering retiring before reaching State Pension age?

Bridging Pension option and retirement planning: The Bridging Pension option allows employees to receive a higher pension before reaching State Pension age and then reduces their pension once the State Pension begins. This is helpful for those retiring early, as it smooths their income before State Pension payments start(PPG INDUSTRIES UK LIMIT…).

In what ways can employees of PPG Industries (UK) Limited maximize their contributions to the DC section of their pension plan, and what strategies can they employ to adjust their retirement savings for unexpected financial needs?

Maximizing contributions to the DC section: Employees can adjust their retirement savings by increasing their regular or one-off contributions. The secure member website provides a tool, myTarget, that shows the impact of increased contributions on future benefits, helping employees manage unexpected financial needs(PPG INDUSTRIES UK LIMIT…).

How does PPG Industries (UK) Limited's change to the life assurance arrangement impact employeesâ€™ beneficiaries upon their death, and what steps should employees take to ensure their Expression of Wish Form is up to date?

Impact of changes to life assurance arrangement: The new life assurance arrangement removes the risk of exceeding the Lifetime Allowance by paying a lump sum outside the pension plan. Employees should ensure their Expression of Wish Form is up to date to guarantee the correct beneficiaries receive their lump sum upon death(PPG INDUSTRIES UK LIMIT…).

What are the implications of the recent updates regarding Guaranteed Minimum Pension (GMP) equalization for PPG Industries (UK) Limited employees, and how can affected employees monitor the status of their benefits?

GMP equalization updates: The GMP equalization process ensures that pensions are equalized for men and women. Affected employees will be notified if changes apply to their benefits, and they should monitor communications from the plan administrators for updates(PPG INDUSTRIES UK LIMIT…).

How can PPG Industries (UK) Limited employees prepare for potential changes in minimum pension age and state pension age, and what resources are available through the company to assist in this planning?

Preparing for changes in pension age: With the normal minimum pension age rising to 57 in 2028 and the State Pension age increasing, employees should review their retirement plans. PPG Industries offers resources like the PPG Pension Hub and financial advice services to help employees plan for these changes(PPG INDUSTRIES UK LIMIT…).

How can employees of PPG Industries (UK) Limited access independent financial advice at no cost, and what should they consider when selecting a financial adviser to help them navigate their pension options?

Access to independent financial advice: PPG Industries covers the cost for one complete round of independent financial advice through WPS Advisory Limited. Employees should evaluate their adviser options, ensuring the selected adviser is registered and understands the specificities of the PPG pension plan(PPG INDUSTRIES UK LIMIT…).

What critical information regarding pension tax allowances in 2024 should employees of PPG Industries (UK) Limited be aware of when making contributions to their pension scheme?

Pension tax allowances in 2024: Employees should be aware of the Annual Allowance, capped at £40,000, and the Lifetime Allowance, fixed at £1.0731 million. Contributions exceeding these limits may result in tax charges, making it essential to track contributions and consider tax implications when planning their pensions(PPG INDUSTRIES UK LIMIT…).

How has the performance of the investment options within PPG Industries (UK) Limited's Defined Contribution (DC) section impacted member benefits, and what should employees consider when selecting their investment portfolios?

Impact of investment options in the DC section: The performance of the investment options, such as the new Aon Managed Global Impact Fund, can significantly affect employee benefits. Employees should assess their investment portfolios regularly to ensure they align with their risk tolerance and retirement goals(PPG INDUSTRIES UK LIMIT…).

How can PPG Industries (UK) Limited employees contact the company for detailed inquiries regarding their pension plans, and what specific information should they be prepared to provide during this contact for efficient assistance?

Contacting the company for pension inquiries: Employees can contact the plan administrators at Aon via phone, email, or postal address. They should be prepared with their employee ID or member number, as well as personal information like date of birth, to ensure smooth communication(PPG INDUSTRIES UK LIMIT…).