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

Discover the Top 5 Advantages of Continuing to Work in Retirement for ADT Employees

Healthcare Provider Update: Healthcare Provider for ADT: ADT primarily partners with major health insurance providers to offer its employees comprehensive healthcare coverage. Among these providers are UnitedHealthcare and Anthem Blue Cross Blue Shield, both of which are known for their extensive networks and various plan options that cater to different healthcare needs. Healthcare Cost Increases for 2026: In 2026, health insurance premiums for plans obtained through the Affordable Care Act (ACA) marketplace are poised for significant increases, with many states projecting hikes that could exceed 60%. Factors contributing to this surge include rising medical costs and the anticipated expiration of enhanced federal premium subsidies, which could result in over 22 million marketplace enrollees facing out-of-pocket premium increases of up to 75%. As leading insurers report substantial earnings, ADT employees considering their healthcare options in 2026 should prepare for a financial landscape that may demand strategic planning to mitigate rising costs. Click here to learn more

In the past, retirement has been portrayed as an ending, a grand exit from your years in the workplace. But the rules are shifting. Labor force participation among those aged 65-74 is predicted to reach 32 percent by 2022, up from just 20 percent in 2002.(1) As the Boomer generation ages, more people are viewing retirement as an opportunity to enjoy the rewards of work in a whole new way. Read on to discover some of the benefits you can enjoy after you retire from ADT.

1. Mental Benefits

Working during your ADT retirement can help maintain mental agility as you learn new skills. Staying engaged in work helps build 'mental muscle,' which can lessen the risk of developing dementia and Alzheimers(2) and ward off the signs of aging.

2.. Physical Benefits

Staying active during your ADT retirement years is crucial for continued health. Whether you choose to work full-time or volunteer a few days a week, engaging in some form of work will keep your body moving, and give you opportunities to stay balanced, strong, and healthy.

3. Financial Benefits

Besides the obvious extra income, working during your ADT retirement may allow you to delay taking Social Security benefits. For every year you wait to take Social Security, your benefits can increase by an average of 8 percent annually.(3) Finding a strategy that works for you can truly pay off.

4. Emotional Benefits

Studies have shown that a sense of purpose has been found to lengthen lifespan and quality of life.4 Working on something you care about, starting a new business, or mentoring others in the workplace can ward off depression and provide a healthy sense of fulfillment and direction in your years or retirement from ADT.

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5. Social Benefits

One of the risks associated with retirement is increased isolation, which in terms of its impact on your health, has been equated with smoking nearly a pack of cigarettes a day.5 Working with others reduces this risk, giving you a chance to build connections and enjoy meaningful interactions.

Sources

1. AARP.org, February/March 2015

2. Forbes, 2017

3. Social Security Administration, 2017

4. Association for Psychological Science, 2017

What is the ADT 401(k) Savings Plan?

The ADT 401(k) Savings Plan is a retirement savings plan that allows employees to save a portion of their paycheck for retirement on a tax-deferred basis.

Who is eligible to participate in ADT's 401(k) Savings Plan?

All full-time employees of ADT are eligible to participate in the 401(k) Savings Plan after completing a specified period of service.

How can I enroll in ADT's 401(k) Savings Plan?

You can enroll in ADT's 401(k) Savings Plan by accessing the enrollment portal through the ADT employee benefits website or contacting HR for assistance.

What types of contributions can I make to ADT's 401(k) Savings Plan?

Employees can make pre-tax contributions, Roth (after-tax) contributions, and, in some cases, catch-up contributions if they are age 50 or older.

Does ADT match contributions to the 401(k) Savings Plan?

Yes, ADT offers a matching contribution to the 401(k) Savings Plan, which is designed to help employees maximize their retirement savings.

What is the vesting schedule for ADT's 401(k) matching contributions?

The vesting schedule for ADT's matching contributions typically follows a graded vesting schedule, where employees become fully vested after a certain number of years of service.

Can I take a loan from my ADT 401(k) Savings Plan?

Yes, ADT allows employees to take loans from their 401(k) Savings Plan, subject to specific terms and conditions outlined in the plan document.

What happens to my ADT 401(k) Savings Plan if I leave the company?

If you leave ADT, you have several options for your 401(k) Savings Plan, including rolling it over to another retirement account, leaving it with ADT, or cashing it out (subject to taxes and penalties).

How often can I change my contribution rate to ADT's 401(k) Savings Plan?

Employees can change their contribution rate to ADT's 401(k) Savings Plan at any time, subject to the plan's guidelines.

Are there investment options available in ADT's 401(k) Savings Plan?

Yes, ADT's 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles.

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

This news is crucial as it indicates ADT's focus on reducing debt and optimizing operations, which can impact their financial stability and investor confidence in a volatile economic environment (ADT Investor).