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 Dell Technologies Employees

Healthcare Provider Update: Healthcare Provider for Dell Technologies Dell Technologies provides its employees with healthcare coverage through a variety of plans. The primary healthcare provider associated with Dell is UnitedHealthcare, which offers comprehensive health insurance options to Dell employees, focusing on coverage that fits a range of healthcare needs. Healthcare Cost Increases in 2026 As Dell Technologies employees prepare for 2026, they should anticipate significant increases in healthcare costs driven by rising ACA marketplace premiums. Many states are projecting steep hikes, with some rates soaring over 60%. Key factors behind this surge include the potential expiration of enhanced federal subsidies, escalating medical inflation, and considerable rate increases from major insurers. For Dell employees, these challenges may lead to a greater share of healthcare expenses, warranting a proactive approach in reviewing benefits and planning for the financial implications of these changes. 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 Dell Technologies.

1. Mental Benefits

Working during your Dell Technologies 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 Dell Technologies 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 Dell Technologies 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 Dell Technologies.

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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 Dell Technologies 401(k) Savings Plan?

The Dell Technologies 401(k) Savings Plan is a retirement savings plan that allows employees to save for their future by contributing a portion of their salary on a pre-tax or after-tax basis.

How can I enroll in the Dell Technologies 401(k) Savings Plan?

Employees can enroll in the Dell Technologies 401(k) Savings Plan through the employee benefits portal or by contacting the HR department for assistance.

What types of contributions can I make to the Dell Technologies 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 Dell Technologies offer a company match for the 401(k) Savings Plan?

Yes, Dell Technologies provides a company match on employee contributions to the 401(k) Savings Plan, which helps employees save more for retirement.

What is the vesting schedule for the Dell Technologies company match in the 401(k) Savings Plan?

The vesting schedule for the company match in the Dell Technologies 401(k) Savings Plan typically follows a graded vesting schedule over a period of years.

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

Yes, Dell Technologies allows employees to take loans from their 401(k) Savings Plan, subject to certain terms and conditions.

What investment options are available in the Dell Technologies 401(k) Savings Plan?

The Dell Technologies 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

How often can I change my contribution amount to the Dell Technologies 401(k) Savings Plan?

Employees can change their contribution amount to the Dell Technologies 401(k) Savings Plan at any time, typically through the employee benefits portal.

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

If you leave Dell Technologies, you have several options for your 401(k) Savings Plan, including rolling it over to an IRA or a new employer’s plan, or cashing it out (though this may have tax implications).

Is there a minimum contribution requirement for the Dell Technologies 401(k) Savings Plan?

Yes, Dell Technologies may have a minimum contribution requirement for participation in the 401(k) Savings Plan, which is typically outlined 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.

Dell Technologies provides a 401(k) plan with a generous company match. Employees have access to a range of investment options and financial planning resources.

Dell Technologies grants RSUs to its executives and key employees. RSUs vest over a period of three to four years, aligning employee interests with company success.

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For more information you can reach the plan administrator for Dell Technologies at One Dell Way Round Rock, TX 78682; or by calling them at (512) 338-4400.