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Yellow Employees Confront the Fear of Running Out of Money in Retirement

Healthcare Provider Update: Healthcare Provider for Yellow For employees of Yellow, the primary healthcare provider associated with their health insurance offerings is likely to be UnitedHealthcare. UnitedHealthcare participates in various insurance plans across many states and is known for providing extensive network coverage, which would be beneficial for Yellow employees. Potential Healthcare Cost Increases in 2026 As 2026 approaches, healthcare costs for Yellow employees who rely on Affordable Care Act (ACA) marketplace plans are poised to rise significantly. Premiums could increase by over 60% in certain states, compounded by the potential expiration of enhanced federal subsidies. This unprecedented surge may lead to out-of-pocket premium payments rising by more than 75% for 92% of marketplace enrollees, according to industry forecasts. The combination of soaring healthcare costs, including hospital and prescription drug rates, along with aggressive rate hikes from major insurers sets the stage for a challenging financial landscape in 2026 for consumers. Click here to learn more

'To allay long-term financial concerns, Yellow employees may benefit from a comprehensive retirement strategy that addresses inflation, health care costs, and tax planning.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Proactive retirement planning—especially around inflation, health care, and shifting tax policies—can help Yellow employees gain clarity and reduce uncertainty in the years leading up to retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article we will discuss:

Key causes of retirement anxiety, including inflation, health care, and taxes.
Generational differences in money concerns and readiness.
The value of broad retirement planning approaches.

Retirement Anxiety is On The Rise

Employees across industries, including those at Yellow, have long worried about how they will fund retirement. These concerns have grown considerably in today’s economy. Nearly two out of three Americans (64%) said they worry more about outliving their resources than they do about dying, according to the Allianz Center for the Future of Retirement’s 2025 Annual Retirement Study. ¹

Main Causes of Retirement-Related Worry

The Allianz study lists several key triggers of these fears. Regarding long-term planning, 54% of respondents said inflation was their top worry. Increases in health care costs, housing, and food prices are still undermining people’s purchasing power.

Concerns around Social Security’s future and tax burdens are also high. 43% said they feared Social Security might not offer adequate support. And another 43% named high taxes as a major issue.

Generational Gaps in Money Stress

Gen X—often balancing care for both kids and aging parents—report the highest worry: 70% versus 66% of millennials and 61% of boomers. Among corporate workers, including those at Yellow, this dynamic underlines how family obligations can magnify retirement concerns.

The Gap Between Worry and Action

The survey shows a gap between concern and conversation: just 23% of respondents have talked about outliving their assets with a retirement specialist, down from 28% in 2024. ² That said, Americans are considering several strategies to allay these fears, ranking the following approaches as most helpful:

41% said cutting current spending to funnel more toward retirement 
44% said increasing retirement contributions 
39% said postponing retirement
While increasing contributions to retirement accounts could help address these concerns, barriers remain: daily necessities (63%), credit card debt (40%), mortgage or rent (35%) were top reasons people weren’t contributing more.

The Emotional Side of Retirement Anxiety

Retirement fears influence not just finances, but lifestyle, career choices, and family planning. Worries about independence, dignity, and quality of life often accompany fear of running short on funds.

Health care need are often underestimated too, complicating the equation. Medicare covers many basic services, but long‑term care, home assistance, and uncovered treatments can add large bills—adding uncertainty even for high‑income employees.

Broader Retirement Planning Matters

The Allianz findings emphasize planning well beyond just saving. With people living 25 to 30 years post‑work, a solid planning mindset is critical. As Kelly LaVigne, VP at Allianz Life, noted, “Americans areliving longer… your money needs to go farther. A good plan considers 25 to 30 years of retirement, not just the first ten.” ²

Key components often include:

Income strategies: setting up regular monthly disbursements from assets
Tax planning: reducing tax burdens on withdrawals
Health care planning: factoring in Medicare gaps and long‑term care
Inflation alignment: keeping income responsive to cost increases

Combined, these strategies can help build resilience, confidence, and preparedness even in uncertain times.

In Conclusion

The 2025 Allianz Retirement Study makes it clear: a majority of Americans—and Yellow employees among them—see the threat of running out of money as more frightening than death. Rising inflation, health care spending, and uncertainty around Social Security are central drivers. Fewer are taking direct action through planning conversations or boosted contributions.

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Yet there is opportunity. The IRS now permits catch‑up 401(k) contributions of up to $11,250 for those aged 60–63 in 2025—above the standard limit. For many, this is a practical way to fortify resources in those final working years.

A Final Thought

Think of retirement like a long sea voyage. Death may be the storm ahead, but empty savings are the leak that can sink the ship first. According to the Allianz study, 64% of Americans fear that leak more than the storm. For Yellow employees, the goal is to build a well-structured plan—with consistent income, planning for health costs, and tax awareness—that can keep the vessel afloat for the long haul.

Sources:

1. Allianz Life Insurance Company of North America, ' How Americans feel about retirement in 2025 ,' by the Allianz Center for the Future of Retirement ^TM , June 2025.

2. businesswire, ' Americans Are More Worried About Running Out of Money Than Death ,' April 22, 2025.

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

Yellow offers a 401(k) plan that allows employees to save for retirement with pre-tax contributions, helping them build a secure financial future.

Does Yellow match employee contributions to the 401(k) plan?

Yes, Yellow provides a matching contribution to the 401(k) plan, which helps employees maximize their retirement savings.

What is the eligibility requirement for Yellow's 401(k) plan?

Employees at Yellow are eligible to participate in the 401(k) plan after completing a specified period of employment, typically within the first year.

How can Yellow employees enroll in the 401(k) plan?

Yellow employees can enroll in the 401(k) plan through the company’s HR portal or by contacting the HR department for assistance.

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

Yellow's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can Yellow employees change their contribution percentage to the 401(k) plan?

Yes, Yellow employees can change their contribution percentage at any time, allowing them to adjust their savings based on their financial situation.

Is there a vesting schedule for Yellow's 401(k) matching contributions?

Yes, Yellow has a vesting schedule for matching contributions, which means employees must work for a certain period to fully own the matched funds.

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

If you leave Yellow, you can roll over your 401(k) balance to another retirement account, or you may choose to leave it in the Yellow plan if you meet the minimum balance requirement.

Are there loan options available through Yellow's 401(k) plan?

Yes, Yellow allows employees to take loans against their 401(k) savings, subject to certain terms and conditions outlined in the plan.

How often can Yellow employees make changes to their investment allocations?

Yellow employees can typically make changes to their investment allocations on a quarterly basis, though specific rules may vary.

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For more information you can reach the plan administrator for Yellow at 10990 Roe Ave. Overland Park, Kansas 66211; or by calling them at 913-696-6100.