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

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Tempur Sealy International Retirement Seen Through Your Eyes

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Healthcare Provider Update: Healthcare Provider for Tempur Sealy International Tempur Sealy International typically utilizes a range of health insurance providers for employee healthcare benefits, including major national insurers such as UnitedHealthcare and Anthem. These partnerships allow the company to offer various health plans to employees, which may include options under the Affordable Care Act (ACA) marketplace. --- Potential Healthcare Cost Increases for Tempur Sealy International in 2026 As the healthcare landscape shifts heading into 2026, Tempur Sealy International employees and retirees may face significant premium hikes due to the expected expiration of enhanced ACA premium subsidies. Many insurers are projecting rate increases averaging over 20%, with some states seeing hikes approaching 66%. This reduction in federal assistance could lead to out-of-pocket costs for policyholders soaring by as much as 75%, emphasizing the urgency for individuals to evaluate and adapt their healthcare strategies proactively in anticipation of these rising expenses. As medical inflation continues to escalate, employees must remain vigilant in managing their healthcare expenditures to avoid potential financial strain. Click here to learn more

This is an excellent chance to find individual satisfaction in retirement for Tempur Sealy International employees if they learn to balance their wishes, family needs, and the desire to leave a legacy in the right way.

'As Tempur Sealy International employees approach retirement, it is important to take time to consider what is most important to you in your personal life and in your legacy, and this can make retirement a journey of meaning and enrichment for which financial planning is a key enabler.'

Three main points of the article are described below:

1. Defining Your Retirement Goals – How to Identify an Active Role in Defining Personal and Financial Objectives for a Fulfilling Retirement.
2. Managing Finances and Lifestyle Choices – The use of budgeting, downsizing and other financial decisions that support the long term retirement plans.
3. Creating a Meaningful Retirement Experience – How personal growth, relationships and legacy planning can improve the quality of retirement.

What do you picture in your future?

Some people intend to retire and start a new profession. Some intend to travel. Others want to spend more time with their families and friends. Hence, there are few factors to consider.

What are your must-do list in retirement?

In retirement, if you could only achieve four or five things, what would they be? This may help you create a list of your life goals. While some of these goals may have nothing to do with money, the financial decisions you make may be crucial to achieving them.

What would revitalize you?

Some retirees have no particular objectives. After a period of weeks or months of rest, ambition may return. They begin to consider the pursuits and excursions that could make these years memorable. Some people have known for decades which ambitions they will pursue, but when the time comes, those dreams may take a different path than anticipated or even be replaced by new ones.

Leisure is the most valuable asset in retirement. With more free time and opportunities for introspection, you may discover that your old aspirations have been replaced by new ones.

Who you should spend your time with?

This is another important decision you must make in retirement. The quick response for many retirees to this query would be: Today, there are nuclear families, blended families, and extended families; some individuals consider their friends or coworkers to be family.

How much do you anticipate spending?

We cannot manage all retirement expenses, but we can control a portion of them. You may have considered downsizing your residence at some point. A potential benefit of downsizing is that it may result in no mortgage or a mortgage payment that is more manageable.

Is it possible to leave a legacy?

Many of us would like to give our children or grandchildren a decent start in life, but leaving an inheritance is often more difficult than many people believe. Tax laws are in a constant state of flux and strategies that were effective years ago may have diminished utility today.

It is recommended that this article only be used for informational purposes and not for any form of decision making; therefore, if you want to change any part of your overall estate plan, you should seek the counsel of a tax or legal professional.

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How are you preparing for retirement?

This is the most significant topic. If you sense the need to prepare more for the future or reevaluate your current strategy in light of recent changes in your life, a retirement-savvy financial professional may be able to offer guidance.

It is from sources which are expected to provide accurate information. This material is not intended to serve as tax or legal advice. It is prohibited from being used to evade federal tax penalties. Please seek the advice of a legal or tax professional for information related to your specific situation. This content was developed and produced by FMG Suite to provide information on a potentially interesting topic. The named broker-dealer, state- or SEC-registered investment advisory firm is not affiliated with FMG Suite. The opinions expressed and materials provided are for informational purposes only; they should not be construed as an offer to buy or sell any security. Copyright FMG Suite.

Did you know that retirement can also be viewed as a way of learning about oneself and finding out who one is? Although this view was not described in the article, it may be interesting for Tempur Sealy International employees who are planning on retiring. When you think about the future, you might want to make new friends, learn new skills, or contribute to the community in some way that is important to you. Retirement is a time of leisure, which gives one a chance to discover new and interesting aspects of oneself. Retirement: A Time to Discover and Develop New Aspects of the Self for a More Fulfilling Life. (Source: American Psychological Association, 'Retiring Minds Want to Know,' February 2018)

Analogy:

When it comes to retirement, the view from your eyes, Tempur Sealy International employees, is a fresh one. Looking at retirement, you are like an artist who is about to start painting on a clean canvas. Imagine yourself as a painter, and you are standing in front of an endless void. Retirement gives you the chance to pick up the paintbrush and paint the picture you want to paint. Every choice is deliberate, whether it is attaining important goals, finding relaxation through new interests, spending time with loved ones, managing your resources, leaving a legacy, or growing as a person. Just as a painter uses colours, techniques, and brushstrokes to bring their vision to life, you can use your retirement journey as a way to intentionally design your life. Begin the retirement canvas with creativity, imagination, and the ability to produce a truly remarkable work of this chapter in your life.

Sources:

1. Helhoski, Anna. 'Retirement Planning: A 5-Step Guide for 2025.'  NerdWallet , January 2025,  www.nerdwallet.com/article/retirement/retirement-planning-guide .

2. Whitney, Roger. 'Retirement Planning Is More Than Financial Planning.'  Forbes , December 2023,  www.forbes.com/advisor/retirement/retirement-planning-more-than-financial/ .

3. 'Retirement 101: A Beginner's Guide to Retirement.'  Trinity College , 2024,  www.trincoll.edu/retirement-planning-guide .

4. 'Survey Reveals Growing Importance of Financial Planning for Retirement.'  T. Rowe Price , January 2024,  www.troweprice.com/retirement-planning-survey-2024 .

5. Whitney, Roger. 'The Most Important Rules For Retirement Planning? Yours!'  Forbes , March 2024,  www.forbes.com/advisor/retirement/the-most-important-rules-for-retirement-planning-yours/ .

What type of retirement savings plan does Tempur Sealy International offer to its employees?

Tempur Sealy International offers a 401(k) retirement savings plan to its employees.

Does Tempur Sealy International provide any employer matching contributions to the 401(k) plan?

Yes, Tempur Sealy International offers an employer matching contribution to help employees maximize their retirement savings.

When can employees of Tempur Sealy International enroll in the 401(k) plan?

Employees of Tempur Sealy International can enroll in the 401(k) plan during the initial eligibility period or during the annual open enrollment period.

What is the eligibility requirement for Tempur Sealy International employees to participate in the 401(k) plan?

Generally, employees of Tempur Sealy International must be at least 21 years old and have completed a minimum period of service to be eligible for the 401(k) plan.

How can Tempur Sealy International employees make contributions to their 401(k) plan?

Employees of Tempur Sealy International can make contributions through payroll deductions, which can be set as a percentage of their salary.

Are there any investment options available for Tempur Sealy International's 401(k) plan?

Yes, Tempur Sealy International provides a variety of investment options within the 401(k) plan, including mutual funds and target-date funds.

Can Tempur Sealy International employees change their contribution amounts to the 401(k) plan?

Yes, employees of Tempur Sealy International can change their contribution amounts at any time, subject to plan rules.

What happens to the 401(k) contributions if an employee leaves Tempur Sealy International?

If an employee leaves Tempur Sealy International, they can either withdraw their funds, roll them over to another retirement account, or leave them in the Tempur Sealy International plan if allowed.

Does Tempur Sealy International allow loans against the 401(k) plan?

Yes, Tempur Sealy International allows employees to take loans against their 401(k) balance, subject to specific terms and conditions.

What is the vesting schedule for employer contributions in Tempur Sealy International's 401(k) plan?

The vesting schedule for employer contributions at Tempur Sealy International typically follows a graded schedule, which means employees gain ownership of employer contributions over time.

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For more information you can reach the plan administrator for Tempur Sealy International at , ; or by calling them at .

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