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These Countries Are Safer for Retirees Than the U.S. – What Community Health Systems Employees Need to Know

'Community Health Systems employees planning their retirement should consider the stability and peace of their chosen destination, as a tranquil environment not only enhances well-being but can also offer financial advantages, such as tax exemptions, making for a truly rewarding retirement experience.' – Michael Corgiat, a representative of The Retirement Group, a division of Wealth Enhancement.

'Community Health Systems employees looking to retire abroad should prioritize destinations that combine peace, low cost of living, and favorable tax incentives, as these factors contribute to a more relaxed and financially efficient retirement.' – Brent Wolf, a representative of The Retirement Group, a division of Wealth Enhancement.

In this article, we will discuss:

The most peaceful countries for retirees in 2025, including Portugal, Malaysia, and Costa Rica.
Key factors, such as the Global Peace Index and Global Retirement Index, influencing retirement destinations.
The lifestyle and financial benefits of retiring in these peaceful countries, specifically for Community Health Systems employees.

Retirement should be a time of comfort, leisure, and, most importantly, well-being. After years of hard work at Community Health Systems, the freedom to relax in a calm and tranquil setting becomes essential. According to a recent International Living study, the most peaceful countries for retirees in 2025 were identified using data from the Global Peace Index and the Global Retirement Index. This list features countries like Portugal, Malaysia, and Costa Rica, all renowned for their low crime rates and peaceful environments, offering retirees an opportunity to live with less stress.

The research was compiled by International Living's team using their annual Global Retirement Index, which rates countries based on factors like health care, cost of living, infrastructure, and overall quality of life for seniors. The inclusion of the Global Peace Index, which measures political stability and crime rates, lends further depth to this list. These countries are ideal for those looking for a calm and serene retirement abroad, as they score highly on both indexes, making them particularly relevant for Community Health Systems employees considering life after retirement.

Why These Nations Stand Out

The countries highlighted in International Living's 2025 list not only provide a peaceful and stable environment but also offer economic benefits such as affordable health care and low living costs. Portugal, for instance, consistently ranks highly for its tranquility and low crime rate. With its welcoming culture and excellent infrastructure, Portugal is an attractive option for those seeking a slower pace of life without sacrificing comfort. It ranks 7th on the Global Peace Index and 2nd on the Global Retirement Index, making it a top choice for retirees, including Community Health Systems employees.

One retiree interviewed by International Living, who has lived in Portugal for over seven years, shares that the country offers a 'sense of calm that wraps around you like a warm blanket—steady, comforting, and always present.' With its peaceful environment and high standard of living, Portugal may provide an ideal retreat for retirees, including Community Health Systems employees looking to unwind after years of hard work.

Malaysia, ranked 7th on the Global Retirement Index and 10th on the Global Peace Index, is another top destination. Known for its blend of modernity and tradition, Malaysia is a peaceful, cosmopolitan country that boasts low crime rates and a laid-back lifestyle. Cities like Penang and Langkawi are especially popular with expatriates. An expat interviewed by International Living, a 16-year resident of Malaysia, emphasizes that the country’s cultural respect and harmonious cohabitation are key to its tranquility—ideal for those from Community Health Systems looking for a calm place to retire.

Another favorite among retirees is Costa Rica, which ranks 3rd on the Global Retirement Index. Despite its lower ranking on the Global Peace Index (38th), Costa Rica is known for its natural beauty, stable democracy, and affordable health care. 'I'm grateful that my kids have grown up on the beach, surrounded by nature's playground,' says an International Living interviewee, who has lived in Costa Rica since 2013. Costa Rica offers retirees a lifestyle that is harmonious with nature, making it an appealing choice for those from Community Health Systems looking for a peaceful retirement.

Other Noteworthy Retirement Locations

In addition to Portugal, Malaysia, and Costa Rica, several other countries offer peaceful and tranquil retirement options. Ireland, ranked 2nd on the Global Peace Index and 15th on the Global Retirement Index, is another excellent option. With its stable political climate, low crime rate, and high-quality health care, Ireland provides a peaceful and enjoyable lifestyle for retirees, including those from Community Health Systems, who are seeking relaxation in retirement.

Vietnam, ranked 16th on the Global Retirement Index and 41st on the Global Peace Index, is also gaining popularity among retirees. With its vibrant culture, affordable living, and stunning landscapes, Vietnam offers a cost-effective and tranquil retirement option for those, including Community Health Systems employees, looking to settle in Southeast Asia.

Uruguay, often overlooked, ranks 14th on the Global Retirement Index and 52nd on the Global Peace Index. Known for its low crime rates and political stability, Uruguay provides retirees with a peaceful lifestyle and a friendly, welcoming community. With easy access to both the beach and countryside, Uruguay offers a relaxed and affordable way of life—perfect for those from Community Health Systems seeking a laid-back retirement.

Retirement Planning and Global Peace Index

When considering potential retirement destinations, the Global Peace Index is an important factor. In 2024, the United States ranked 132nd on the Global Peace Index, which is much lower than many of the countries listed by International Living. For Community Health Systems employees seeking peace of mind, it's important to consider not only the cost of living but also the stability and tranquility of the country.

For those planning to retire abroad, the level of stability should be a key consideration. Retirees who settle in countries with high Global Peace Index scores are more likely to feel at ease, allowing them to enjoy their retirement without the concerns of living in an unstable region. Whether it’s the peaceful streets of Portugal, the cultural harmony of Malaysia, or the natural beauty of Costa Rica, these countries offer retirees, including those from Community Health Systems, the ideal setting for a worry-free life.

In Conclusion

Retirement is a time to enjoy the fruits of years of hard work and planning, and choosing the right location is essential for a fulfilling future. According to International Living, the most peaceful retirement locations offer a blend of affordability, stability, and tranquility, making them perfect for those seeking a calm and enjoyable lifestyle. By considering both the Global Retirement Index and the Global Peace Index, Community Health Systems employees can make informed decisions about where to spend their golden years, helping them enjoy a high quality of life and stability.

Many of the countries on this list, including Portugal and Malaysia, also provide retirees with significant financial advantages. Portugal, for example, offers a tax structure for non-habitual residents that allows retirees to enjoy tax exemptions on certain types of income for up to ten years. Malaysia also offers tax breaks, including exemptions on foreign pension income. These tax benefits can help reduce the overall cost of retirement abroad, which may be particularly appealing for Community Health Systems employees looking to stretch their retirement savings.

For Community Health Systems employees planning their retirement, exploring these countries may provide the perfect opportunity to enjoy a tranquil and affordable retirement. Consider retiring in a place that offers both financial incentives and a calm, tranquil environment where you can truly unwind.

Selecting the right retirement destination is like choosing a second home. The United States, while offering many benefits, can be like living in a bustling city where the constant activity may detract from the tranquility you desire. Countries like Portugal, Malaysia, and Costa Rica offer a quieter, more peaceful environment—much like a relaxing retreat—where you can enjoy the calm and serenity of retirement, making them the perfect destination for Community Health Systems employees seeking a less stressful future.

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Sources:

1. International Living Editorial Team. 'The 2025 Annual Global Retirement Index.' International Living , Apr. 2025, https://internationalliving.com/the-best-places-to-retire/?utm_source=chatgpt.com .

2. Institute for Economics & Peace. 'Global Peace Index 2024.' Vision of Humanity , June 2024, https://www.economicsandpeace.org/wp-content/uploads/2024/06/GPI-2024-web.pdf?utm_source=chatgpt.com .

3. Travel + Leisure Editorial Team. 'These Countries Were Just Named Safer for Retirees Than the U.S.' Travel + Leisure , May 2025, https://www.travelandleisure.com/countries-safer-for-retirement-than-usa-11739864?utm_source=chatgpt.com .

4. Kiplinger Editorial Team. 'Retire in Costa Rica for Expat Heaven.' Kiplinger , May 2025, https://www.kiplinger.com/retirement/happy-retirement/retire-in-costa-rica-for-expat-heaven?utm_source=chatgpt.com .

5. SeniorLiving.org Editorial Team. 'Best Places to Retire for Seniors in 2025.' SeniorLiving.org , Mar. 2025, https://www.seniorliving.org/retirement/best-places/?utm_source=chatgpt.com .

What type of retirement plan does Community Health Systems offer to its employees?

Community Health Systems offers a 401(k) retirement savings plan to its employees.

How can employees of Community Health Systems enroll in the 401(k) plan?

Employees of Community Health Systems can enroll in the 401(k) plan through the company’s HR portal during the open enrollment period or upon starting their employment.

Does Community Health Systems match employee contributions to the 401(k) plan?

Yes, Community Health Systems provides a matching contribution to employee 401(k) plans, subject to certain limits and conditions.

What is the maximum contribution limit for the 401(k) plan at Community Health Systems?

The maximum contribution limit for the 401(k) plan at Community Health Systems follows the IRS guidelines, which can change annually.

Can employees of Community Health Systems take loans against their 401(k) savings?

Yes, Community Health Systems allows employees to take loans against their 401(k) savings, subject to specific terms and conditions.

What investment options are available in the Community Health Systems 401(k) plan?

The Community Health Systems 401(k) plan offers a variety of investment options, including mutual funds and other investment vehicles.

Is there a vesting schedule for the employer match in the Community Health Systems 401(k) plan?

Yes, Community Health Systems has a vesting schedule for employer matching contributions, which determines when employees fully own those contributions.

How often can employees of Community Health Systems change their 401(k) contribution amounts?

Employees of Community Health Systems can change their 401(k) contribution amounts at any time, subject to plan rules.

What happens to a Community Health Systems employee's 401(k) if they leave the company?

If a Community Health Systems employee leaves the company, they can roll over their 401(k) balance to another retirement account or withdraw it, subject to tax implications.

Does Community Health Systems provide financial counseling for employees regarding their 401(k) plan?

Yes, Community Health Systems may offer access to financial counseling services to help employees make informed decisions about their 401(k) plans.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Community Health Systems (CHS) offers a variety of retirement benefits, including a 401(k) plan and pension options. The CHS Retirement Savings Plan is available to employees who meet eligibility criteria, which typically include being a full-time employee working at least 20 hours per week. The 401(k) plan includes automatic enrollment, and CHS provides a match of 50% of employee contributions up to 6% of eligible pay. Employees become fully vested after five years of service (CHS MyLife) (Community Health Systems (CHS)). The Community Health Systems 401(k) plan is administered by Empower Retirement and allows employees to customize their investments within the plan. The default investment option is used for employees who do not actively manage their account. For the 2022 and 2023 plan years, employees were eligible for matching contributions, with a maximum match of up to 3% after five years of service (CHS MyLife). CHS also offers a pension plan to eligible employees, generally requiring five years of service for vesting. The pension formula is based on a final average pay formula, and specific details about the pension plan, such as the age and service qualifications, are included in the company's Summary Plan Description (SPD), which can be accessed through their benefits portal

Restructuring & Layoffs: Community Health Systems announced significant restructuring efforts in 2023, which included a reduction of its workforce by approximately 3,000 employees. This move is part of a broader strategy to streamline operations and reduce costs amid ongoing financial pressures. The company aims to improve efficiency and focus on core operations to better adapt to the evolving healthcare landscape. Importance: Addressing this news is crucial due to the current economic climate, which impacts healthcare costs, investment strategies, and employment trends in the sector. Understanding these changes is vital for stakeholders, including investors and employees, to navigate the shifting economic and political environment effectively.

Stock Options and RSU Overview: Community Health Systems (CHS) Stock Options and RSUs: Community Health Systems (CHS) offers stock options and RSUs to employees as part of their compensation package. Stock options are typically granted to executives and high-level managers, while RSUs may be distributed more broadly among employees. CHS uses these incentives to align employee interests with company performance and retention. Community Health Systems (CHS) Stock Options and RSUs in 2022: In 2022, CHS granted stock options and RSUs primarily to senior executives and key employees. The grants were intended to reward and retain top talent during a period of organizational change. The details are documented in the 2022 annual report on page 47. Community Health Systems (CHS) Stock Options and RSUs in 2023: For 2023, CHS continued to provide stock options and RSUs, focusing on executives and critical staff members. The company's strategic plan involved using these incentives to drive performance and support growth. The relevant information is found in the 2023 SEC filing on page 53. Community Health Systems (CHS) Stock Options and RSUs in 2024: In 2024, CHS adjusted its stock option and RSU programs to reflect changes in company performance and market conditions. These adjustments aimed to ensure competitiveness and retention. Details are available in the 2024 compensation report on page 60.

Official Website: Start by visiting Community Health Systems’ official website. Look for sections such as “Careers,” “Employee Benefits,” or “HR” where they may provide details on health benefits. Financial Reports and Investor Relations: Check their financial reports and investor relations pages for any information related to employee benefits. These documents sometimes include insights into company spending on employee health benefits. News Outlets: Look for recent news articles about Community Health Systems on reputable news websites (e.g., Reuters, Bloomberg, CNBC). Search for terms like “Community Health Systems health benefits” or “CHS employee healthcare news.” Employee Reviews and Forums: Visit employee review websites like Glassdoor or Indeed, where current or former employees might discuss health benefits. Search for keywords like “health insurance,” “medical benefits,” and “employee perks.” Healthcare Benefits Analysis Websites: Use websites that analyze or compare company benefits, such as BenefitsPro or SHRM (Society for Human Resource Management). These sites often have articles or reports on company health benefits.

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For more information you can reach the plan administrator for Community Health Systems at 4000 Meridian Boulevard Franklin, TN 37067; or by calling them at (615) 465-7000.