Navigating Your Retirement Journey: Essential Insights for CUNA Mutual Group Employees

Should Learn

The move from CUNA Mutual Group employment to retirement can be challenging. As financial experts, we recognize the problems that may lie ahead and have compiled this unique study to answer some of your most important issues about retirement. When it comes to retirement, public-sector employees confront many of the same obstacles as their private-sector counterparts. They are anxious about the sufficiency of their retirement savings and doubt the significance of social security in their retirement preparations. In addition, they must consider the possibility of a pension and whether or not they should invest in standard retirement accounts to augment it. Here are six factors to consider as you near retirement. Always consult a Financial professional to verify that you've covered all of your bases.

Do You Desire Retirement?

If you look about your neighborhood, you'll find that people of retirement age are still employed, from museum employees to medical professionals to the guy who makes your coffee. These seniors wouldn't be working if it weren't necessary, right? Well, maybe. They may be working because they desire to. Many retirees have stated that the first 24 hours of their retirement were the most enjoyable.

After that, they realized that they missed their occupations, the regular routine that a work provides, and everyday interaction with people. Or they may be working because they have no other option. Their retirement savings fell short of their survival requirements. Their Social Security income is insufficient, and their other investments do not appear to make up the difference. There are retirees who never intended to retire. Then retirement occurred, and the retiree's financial situation had the ultimate say: return to work! Then there is the retiree who is enthusiastic about retirement. This retiree does not work for two reasons: they are no longer required to and they choose not to. So, which are you, and how will you achieve your retirement objectives?

There are three guiding principles for a successful retirement:

PREPARE: Preparation provides the impetus for the majority of other undertakings in life, including starting a business, becoming physically active, taking charge of one's health, and learning a language. The same holds true for your retirement planning. Preparation can help ensure that you are on the right path to achieve your objectives.

It took years of hard labor, perhaps decades of sacrifice, and prudent planning to construct your retirement. One mistake, one bad investment, and you've lost everything. There is a time and a place for taking chances, but protecting your money, especially if they have been built up over a lifetime, must take precedence. Do not become distracted with the latest and greatest.

PROSPER: Those that meticulously plan their retirements and adhere to disciplined financial methods typically have a prosperous retirement. Start early, remain prudent, and see your money increase. As an CUNA Mutual Group employee, you're now in a position to consider your next steps.

Schedule a meeting with your financial advisor to develop a plan. Identify your planned sources of income and expenses. How much will you receive from Social Security, pensions, investment returns in retirement, and other sources? Compare your revenue to your anticipated expenses to get a general notion of where you stand. Working with a financial professional enables you to design a flexible, long-term strategy that can adapt to your needs. Determine your retirement strategy. How much money will you need to sustain your desired lifestyle?

Are you interested in traveling? Would you like to relocate to a warmer state or decrease your residence? Consider your costs for medical treatment. You become eligible for Medicare at age 65, so you'll need medical insurance. Such may be offered by your current job to cover the gap if you retire before that age. It may be prudent to purchase additional insurance to fill any coverage gaps. What will your legacy be? How much do you intend to leave your loved ones? Do you have sufficient life insurance to meet your spouse's ongoing living needs if you die first?

You can contact your HR department if you have any questions.

Are You Able to Retire?

CUNA Mutual Group employees may very possibly be required to retire at a certain age. However, contrary to popular belief, the average retirement age for both public and private sector employees is 62. Public and private sector employees experience the same retirement-related fears and uncertainties. Despite the fact that the average retirement lasts between 14 and 17 years, it is prudent for retirees to have enough invested and saved to outlive the average lifespan of 79 years. Budgeting and managing your finances provide a more disciplined outlook on retirement, which reduces financial anxiety.

Once you have developed some budget forecasts, you will be more positioned to determine how you wish to spend your retirement years. Multiplying your current monthly expenses by 75% to 85% is a straightforward and reasonable method for estimating your monthly retirement expenses. As an illustration, you spend $3,000 every month while employed. Expect to spend between $2,250 and $2,550 throughout retirement. After determining your expenditure levels, consider your income to get a whole picture.

This includes your CUNA Mutual Group Social Security payouts, pensions, and other forms of retirement income. If you have been able to save for retirement through CUNA Mutual Group employment or investment income, you can use the funds to enhance your lifestyle, make up for any income gaps, or cover extra expenses. You will need to constantly monitor your retirement withdrawals over time to maintain the longevity of your retirement funds. A healthy and active lifestyle can add more than five years to a retiree's life expectancy, according to the U.S. Census Bureau.

Obviously, one issue with these life-expectancy formulae is 'x': your mortality. You cannot accurately determine your budget with that amount. Despite the fact that your longevity relies on a number of things, including your lifestyle, your health, and your genetics, the data indicates that you can anticipate living longer than your parents or grandparents. By 2060, the average American's life expectancy is projected to grow from 79.7 years to 85.6 years. In the past, the percentage of annual withdrawals retirees could make from their retirement savings was calculated using an outdated calculation, the 4% rule.

The guideline may no longer apply in today's more volatile economy. A financial expert can assist you in navigating a complex and confusing investment market. You may not be able to change the 'x' factor, but you can influence the other variables in the calculation.

Here are four ways you might modify your retirement formula to achieve a more secure and enjoyable retirement:

While still employed by CUNA Mutual Group, you can raise your retirement savings contributions. Maximize your tax-deferred retirement plan contributions. If you are 50 or older, you can make catch-up payments to your retirement account.
If possible, defer receiving Social Security benefits. If you are younger than 70, you can enhance your Social Security payments by delaying when you begin receiving them and by pursuing a second career.
Consider your existing living expenses. With the children grown and living on their own, it may no longer be necessary to have such a huge home. You should consider moving into a smaller, cozier space. In order to reduce expenses, you can postpone large purchases during the early years of retirement. Thus, you can maintain a healthy retirement account for a longer period of time.
There is a mandatory retirement age for many governments employment, but that does not imply you must stop working. Retirement might be a wonderful opportunity to pursue a long-desired job or to try something new. Numerous public employees take use of the option to retire early in order to pursue part-time employment or a second job.

Your years of expertise working for CUNA Mutual Group have afforded you numerous opportunities. You may be able to create your own schedule and pursue hobbies or long-desired interests if you have a part-time job. Employment income may alter the amount of Social Security benefits you get, at least until you reach full retirement age.

Featured Video

Articles you may find interesting:

How Will Your Retirement Appear?

An ancient sage once stated, 'People perish where there is no vision.' The same can be said about retirement. Determining when and how you will retire from CUNA Mutual Group is crucial, but visualizing your retirement may be the most crucial aspect of your overall approach. Numbers and schedules are meaningless without a driving vision to propel them forward. Your vision for retirement provides the basis for your later years.

Your concept must be meticulously constructed, detail by detail. Once you have an idea of what you will do, how you will spend your time, and where you will travel, write it down. Don't omit any details. How will you fill your time? What are your immediate and long-term objectives? Plan it out. Plan your ideal retirement on a daily, monthly, and annual basis. Do you intend to take a vacation?

When and where will this occur? How usually? What plans do you have for the day? Where will you go and what will you specifically do? Do you wish to travel, see your relatives, or join social or recreational groups? Writing down your replies can facilitate the transition to retirement. After laying the groundwork for your vision, you should begin to build upon it. You have already compiled the data. You have already determined the flow of money.

Adapt your picture of retirement to the financial realities you've created over your working years. How much money will you have available for trips, for example? Apply your budget to your retirement vision and begin adjusting it so that it aligns with your financial reality. Merging the practical and idealistic sides may result in a more confident and joyful retirement, albeit it may necessitate adjusting your vision or reordering some of your objectives.

Here are some suggestions to assist you with the visioning process:

You can contact your HR department if you have any questions.

Who You Are?

This may be the most crucial question to consider when developing your vision. This is a personality index of sorts. Recall what you do or used to do in your free time while you were employed. What were your leisure activities? Which activities did you wish you had more time for? Consider how you will use your time differently after retirement.

What Is Your Top Priority?

This relates to imagination. Create a list of the activities you enjoy most. Volunteering, establishing a business, gardening, spending time with your grandchildren, or even returning to school could be on the list. Place the items in order of importance. What is the most essential? Your objective should be to make retirement rewarding and satisfying. Create a list of pet peeves and annoyances on the reverse side. What actions do you wish to avoid? It could be city traffic or needing to wake up early. Create a list of priorities in reverse order.

What Would You Like to Do?

Describe your daily routine. What are your plans? Retirement provides at least one valuable commodity: independence. You choose your daily schedule. Establish a timetable to provide anticipation and structure to your day in order to avoid boredom. Obviously, you may alter your timetable at any time; what matters is the concept. Developing your day must involve more than mere wishful thinking. What do you anticipate doing on a normal day during your first year of retirement? How about five years from now?

Consider your Inspiration
Are you having difficulty with certain parts of the brainstorming process? You are relieved to be retiring from CUNA Mutual Group, although not knowing exactly what you wish to do daily. You may perhaps be interested in a change of pace or a whole other activity. After decades of living life in a particular manner, you may be wishing for a change. You may like reading about retirees with odd or intriguing lifestyles.

What activities do they engage in, and how do they organize their lives? Not all activities in the south of France must involve skydiving and winery hopping. Occasionally, local newspapers and periodicals publish profiles of remarkable retirees who are making an effect in their communities. Some find having a part-time job to be an energizing pastime that keeps them involved and connected with others while allowing them to maintain a certain degree of independence from the demands of full-time employment.

The limit is the sky
At least in the beginning, do not limit your expectations. Let your mind run amok and follow it to see where it takes you. What have you always desired but never got the chance to accomplish? Perhaps your demanding job in the public sector or the responsibilities of raising a family kept you from exploring the limits of life. Perhaps this is the time. It is not required to be a fantasy. A few decades ago, the idea of conquering Mount Everest may have stirred your inner explorer, but your aspirations may have evolved over time.

You could opt to learn the guitar, improve your golf game, restore old vehicles, enroll in sculpture school, or travel to the Grand Canyon. Not to worry about making adjustments. Expect to make modifications later. Lifestyles do change. Your health or situation may affect your retirement plans. Your retirement plans aren't etched in stone.

You can contact your HR department if you have any questions.

How Do You Plan to Pay for Health Care?

RCOUPLES IN RETIRED STATUS MAY NEED AT LEAST $295,000 TO COVER MEDICAL BILLS...

Improved cardiovascular and infectious disease therapies have increased life expectancy and enhanced quality of life. Current retirees can anticipate living roughly two decades longer. Despite the fact that retirees are living longer, for healthier lives with improved access to health care, expenses continue to be their greatest obstacle, particularly in the context of shifting political opinions on the role of the government in insurance coverage and health care.

Analysts anticipate that couples in retirement will need at least $295,000 to cover medical expenses, not including care expenditures. This statistic excludes payments for early CUNA Mutual Group retirees whose Medicare coverage has not yet begun. The estimate includes spending for deductibles and copayments, fees for extra coverage for medical visits and prescription medicines, and other costs not covered by Medicare. Medicare enrollees should allocate 15% of their total budget for health care expenses. Employees in the public sector should explore whether their companies offer extended benefits coverage, which may pay the difference.

Here is an overview of the alternatives accessible to CUNA Mutual Group retirees:

Employer retiree health plans provide the majority of Medicare supplement coverage for one-third of beneficiaries, but this proportion continues to drop.
Medicare Supplement Insurance may provide supplemental coverage to Medicare recipients. The insurance meets Medicare Part A and Part B cost-sharing standards in full or in part.

You can contact your HR department if you have any questions.

What are Your available plan options?

Evaluating your many retirement plan alternatives can be intimidating, if not downright overwhelming. Your objective is to select a beneficial plan that meets your demands. As your retirement approaches, you should have all the necessary details and plans in place to ensure a seamless and stress-free transition.

On the journey to retirement, a financial professional can assist you overcome barriers and unforeseen problems. We can assist you in identifying aspects of your strategy that may want attention and that you may have neglected in recent years. As a public employee, you should be aware of your alternatives and choices for a prosperous retirement. Here is a list of the best strategies:

Defined Benefit Plans
Provide participants with guaranteed benefits based on their age, years of service, and income range. Employers manage pension fund investments, but retirement benefits are not contingent on investment performance.10 The Windfall Elimination Provision and other federal regulations may have an impact on your Social Security income. Employers and government organizations have sought to decrease or modify their pension commitments. Consult a financial expert for further information on the potential threats to your benefits.11

Plans with Defined Contributions
Allow employees to choose precise amounts or percentages of income to be set aside for their benefits by the employer. The most prevalent employer-sponsored plans restrict how and when employees can withdraw funds without suffering penalties. Common forms include 401(k), 403(b), 457, and Thrift Savings Plans. (TSPs). Employees decide their contribution levels from their paychecks based on the investment options provided by their company.12 The employees retain control over the tax-deferred funds invested in their accounts. The holder of the fund may transfer the money into an IRA or similar fund upon retirement.

Both defined benefit (based on the employee's ultimate average income) and defined contribution savings plans are incorporated into hybrid retirement plans. CUNA Mutual Group may offer a cash balance plan that allows workers to make contributions in the same manner as a defined benefit plan. At retirement, however, employees also have the choice of receiving either regular income or a lump sum distribution. In general, the hybrid plan generates lower returns than the defined benefit and defined contribution plans. Popularity is due to the plan's lump-sum feature, which allows participants to roll the money into IRAs or new plans. However, the lump-sum provision makes this provision the most risky. Investors bear full responsibility for their holdings.

Pre-Retirement To-Dos

Unprepared retirees face a number of obstacles, despite the fact that retirement provides the door for a richer lifestyle with more options for amusement and leisure. Here is an overview of advice:

Paint an image of your retirement future. Dream big. Use your imagination.
Carefully calculate your retirement expenses. The more precise you are, the better prepared you will be for unplanned expenses in the future.
Consider your projected sources of income. This may include pensions, savings accounts for retirement, and Social Security income.
Consider your options for healthcare coverage. Monitor Medicare and insurance expiration dates.
Read legal papers such as wills, trusts, medical directives, beneficiary information, and powers of attorney.
Contact your pension sponsor to acquire information regarding retirement requirements, payout alternatives, and required papers.
Consult a skilled financial expert who specializes in serving customers like you.

What Is Your Next Step?

You have constructed a vision for your retirement; you have painted a picture of your future existence. Retirement grants you the freedom and, presumably, the means to retire in style. However, enlisting the services of a financial expert can provide clarity and confidence, as well as help guarantee that your retirement goals remain on track.

Who to Contact?

We hope you found this guide to retirement to be helpful, fascinating, and reassuring. We will outline several straightforward measures you can take to ensure your retirement. As you enter the next part of your life, we are prepared to encourage and assist you.

We offer ourselves to you and your family as a resource. We are pleased to respond to any inquiries you may have regarding your specific financial condition and future objectives. Contact us immediately if you have any questions regarding the material in this report. We would love to speak with you.

About The Retirement Group

The Retirement Group is a nation-wide group of financial advisors who work together as a team.

We focus entirely on retirement planning and the design of retirement portfolios for transitioning corporate employees. Each representative of the group has been hand selected by The Retirement Group in select cities of the United States. Each advisor was selected based on their pension expertise, experience in financial planning, and portfolio construction knowledge.

TRG takes a teamwork approach in providing the best possible solutions for our clients’ concerns. The Team has a conservative investment philosophy and diversifies client portfolios with laddered bonds, CDs, mutual funds, ETFs, Annuities, Stocks and other investments to help achieve their goals. The team addresses Retirement, Pension, Tax, Asset Allocation, Estate, and Elder Care issues. This document utilizes various research tools and techniques. A variety of assumptions and judgmental elements are inevitably inherent in any attempt to estimate future results and, consequently, such results should be viewed as tentative estimations. Changes in the law, investment climate, interest rates, and personal circumstances will have profound effects on both the accuracy of our estimations and the suitability of our recommendations. The need for ongoing sensitivity to change and for constant re-examination and alteration of the plan is thus apparent.

Therefore, we encourage you to have your plan updated a few months before your potential retirement date as well as an annual review. It should be emphasized that neither The Retirement Group, LLC nor any of its employees can engage in the practice of law or accounting and that nothing in this document should be taken as an effort to do so. We look forward to working with tax and/or legal professionals you may select to discuss the relevant ramifications of our recommendations.

Throughout your retirement years we will continue to update you on issues affecting your retirement through our complimentary and proprietary newsletters, workshops and regular updates. You may always reach us at (800) 900-5867.

Sources

What to do with an Early Retirement Ebook
Social Security Ebook
Lump Sum vs. Annuity Ebook
401(k) Rollover Strategies Ebook
Closing the Retirement Gap Ebook
GovExec.com, May 7, 2020
BLS.gov, March 12, 2020
MarketWatch.com, March 4, 2020
TheBalance.com, May 26, 2020
United States Census Bureau, 2020
BusinessInsider.com, May 13, 2020
BLS.gov, March 12, 2020
Fidelity.com, August 3, 2020
Medicare.gov, June 15, 2020
IRS.gov, January 9, 2020
Social Security Administration, January 2, 2020
TaxPolicyCenter.com, May 28, 2020
NASRA.gov, June 15, 2020
NASRA.gov, June 15, 2020

What are the key differences between defined benefit plans and defined contribution plans offered by CUNA Mutual Group, and how might these differences affect my retirement benefits? As an employee of CUNA Mutual Group, understanding the nuances of defined benefit plans versus defined contribution plans is critical for effective retirement planning. Defined benefit plans typically promise a specific payout at retirement based on factors such as salary history and duration of employment. In contrast, defined contribution plans, like 401(k) plans, depend more on employee contributions and investment performance. Given the volatility in investment returns and changing employment patterns, employees might find themselves at a crossroad between predictable retirement income versus self-directed savings and investment risks. It's vital to explore how these plans could impact long-term financial security at retirement.

A defined benefit plan at CUNA Mutual Group offers predictable retirement payouts, typically based on salary history and years of service, ensuring employees a guaranteed income in retirement. In contrast, defined contribution plans, such as a 401(k), rely heavily on individual contributions and investment performance. Employees may face risks with defined contribution plans due to market volatility but benefit from greater control over their retirement savings. Depending on your financial situation and retirement goals, these differences can impact how secure your future income will be, either through guaranteed payouts or potential growth in investments.

How are pension costs determined in a defined benefit plan at CUNA Mutual Group, and what factors can influence these costs over time? The cost structure of a defined benefit plan at CUNA Mutual Group is predicated on various components, including service costs, interest costs, expected returns on assets, and amortization of gains and losses. Understanding these factors helps in managing potential burden changes on the organization's budget and employees' retirement expectations. For instance, factors such as fluctuating interest rates can significantly alter the present value of future liabilities, affecting the costs that CUNA Mutual Group bears. Employees should be versed in these aspects to contextualize their retirement benefits.

Pension costs at CUNA Mutual Group are influenced by factors such as service cost (new benefit accruals), interest cost (growth on past benefits), expected return on plan assets, and the amortization of gains or losses. Changes in these factors, like fluctuations in interest rates or salary adjustments, can affect the overall cost of the plan. Employees should be aware of how these variables impact their future pension benefits and how changes to the company's funding strategy could alter expectations.

What strategies can CUNA Mutual Group adopt to manage the costs and benefits of its defined benefit plan without drastically impacting employees' retirement security? CUNA Mutual Group faces the challenge of balancing cost management for its defined benefit plan while also ensuring that employees have adequate retirement benefits. Options like freezing benefit accruals, amending contribution formulas, or shifting to defined contribution plans can be explored. However, such strategies must be handled delicately to avoid significant disruptions to employees' retirement planning. Understanding employee concerns and the potential ramifications of these strategies is crucial to formulating a balanced approach.

CUNA Mutual Group can adopt strategies such as freezing benefit accruals, transitioning to cash balance designs, or reducing benefit formulas to manage costs. These strategies may lower expenses but must be carefully balanced to avoid significantly affecting employees' long-term retirement benefits. Clear communication about potential changes and their impact on retirement income is crucial for employees to adjust their retirement planning.

In what ways could regulatory changes influence the CUNA Mutual Group's pension plan design and its offerings to employees after retirement? Regulatory bodies frequently revise guidelines that govern employee benefit plans, potentially impacting how CUNA Mutual Group structures its pension offerings. For instance, changes to tax policies or pension funding requirements could affect administrative decisions regarding contribution levels or payout structures for defined benefit plans. It is imperative for employees to stay apprised of these regulations so they can understand any changes that might occur in their future benefits and what steps CUNA Mutual Group might take to adapt to new compliance needs.

Regulatory changes, such as adjustments in pension funding requirements or tax policies, can have a substantial impact on CUNA Mutual Group’s pension plan design. Changes in laws may require adjustments to benefit levels, contribution structures, or funding strategies. Employees should monitor such regulatory shifts to understand how they could influence future pension payouts and retirement strategies.

Could you explain the process employees at CUNA Mutual Group would need to undertake to access their retirement benefits upon leaving the company? For employees transitioning from CUNA Mutual Group to other ventures, itâ€™s essential to understand the process involved in accessing retirement benefits. This process may involve determining eligibility for pension payouts, selecting between lump-sum distributions or annuitized payments, and understanding how past contribution levels affect final benefits. Employees are encouraged to seek guidance from the HR department or pension plan administrators to navigate this process thoroughly.

When leaving CUNA Mutual Group, employees need to assess their eligibility for pension benefits, choose between lump-sum payouts or annuities, and understand how their years of service and contributions affect the final payout. It's advisable to consult with HR or a plan administrator to navigate the options and ensure that the benefits are accessed appropriately.

What tools and resources does CUNA Mutual Group provide to assist employees in planning for retirement effectively? CUNA Mutual Group offers various resources designed to support employees in their retirement planning journey. These might include access to financial planning tools, informational webinars about defined benefit and contribution options, or one-on-one consultations with benefits specialists. Employees should actively participate in these offerings as a means of optimizing their retirement readiness and ensuring they are leveraging all available benefits to the fullest extent.

CUNA Mutual Group offers several resources for retirement planning, such as access to financial planning tools, retirement webinars, and consultations with benefits specialists. These resources are designed to help employees make informed decisions about their defined benefit and defined contribution options, ensuring they optimize their retirement strategies.

How does the CUNA Mutual Group approach the issue of pension funding, and what implications does this have for current and future employees? The funding strategy for the pension plan at CUNA Mutual Group has significant implications for the benefits that employees can expect. A well-funded pension plan can provide assurance for employees about the stability and security of their retirement income. Conversely, fluctuations in the funding status could lead the organization to consider changes in benefit formulas or contribution strategies. Employees should be aware of how funding levels could affect their future benefits and the overall health of the pension plan.

CUNA Mutual Group’s pension funding strategy is critical to maintaining the stability of retirement benefits. A well-funded plan assures employees of predictable payouts, while underfunded plans may lead to changes in benefit formulas or contributions. Employees should stay informed about the funding status, as it could affect the future security of their pension income.

What should employees at CUNA Mutual Group know about the potential risks and benefits associated with their defined benefit plan? Employees should have a clear understanding of the inherent risks and benefits linked to CUNA Mutual Group's defined benefit plan. While these plans offer predictable retirement income, they are subject to various risks such as underfunding issues, market volatility, and regulatory changes. This understanding equips employees with knowledge about their eventual retirement income and helps them plan strategically alongside their professional developments or transitions within their careers.

Employees need to understand that defined benefit plans at CUNA Mutual Group provide predictable retirement income but come with risks such as underfunding, economic fluctuations, and regulatory changes. By staying informed about these risks, employees can better plan for their financial security in retirement, potentially supplementing their pension with other savings strategies.

What happens to my retirement benefits if CUNA Mutual Group decides to freeze its defined benefit plan? The implications of freezing a defined benefit plan at CUNA Mutual Group would be substantial for employees. Understanding the details surrounding such a freeze, including whether it would impact future accruals or merely limit new benefits for incoming participants, is crucial. Employees should consider consulting HR for comprehensive information regarding their specific situations and how a freeze could influence their expected retirement payouts.

If CUNA Mutual Group freezes its defined benefit plan, employees may no longer accrue new benefits, though they retain previously earned benefits. A freeze could impact future retirement income, particularly for employees nearing retirement, as they could miss out on years of service accruals or salary increases factored into their final benefit calculation.

How can employees contact CUNA Mutual Group to inquire further about their retirement benefits and related services? To learn more about retirement benefits, employees should reach out directly to CUNA Mutual Groupâ€™s HR department or designated pension plan administrators. The organization provides channels such as in-person meetings, phone consultations, and online resources which are specifically structured to assist employees with inquiries related to their retirement benefits and participant obligations. Employees can also explore dedicated web portals for additional information and updates on their pension plans.

Employees can contact CUNA Mutual Group directly through their retirement solutions division at 1-800-356-2644 or visit the website at CUNA Mutual Retirement Solutions for more information about retirement planning services and personalized assistance with their retirement benefits.

Additional Articles

Check Out Articles for CUNA Mutual Group employees

For more information you can reach the plan administrator for CUNA Mutual Group at 5910 Mineral Point Rd Madison, WI 53705; or by calling them at (608) 238-5851.