Empowering Women at Air Products & Chemicals: 4 Essential Retirement Strategies to Consider

Healthcare Provider Update: Healthcare Provider for Air Products & Chemicals Air Products & Chemicals, a leading global industrial gas company, typically offers healthcare benefits through its corporate health insurance provider, which is often designated by a primary insurer like Cigna, UnitedHealthcare, or Aetna. However, details on the specific healthcare provider may vary based on employee location and plan selection, as companies often contract with multiple insurers to tailor their offerings. Potential Healthcare Cost Increases in 2026 In 2026, Air Products & Chemicals, like many employers, may face significant increases in healthcare costs due to a perfect storm of factors affecting the Affordable Care Act (ACA) marketplace. With projected premium hikes that could exceed 60% in some states and the potential expiration of federal premium subsidies, employees enrolled in corporate health plans may see a staggering rise in out-of-pocket costs. Consequently, the cumulative effect of these changes may lead companies to reevaluate their benefits strategy and assess how to absorb or pass on these rising expenses to employees, fundamentally altering the landscape of employer-sponsored health coverage. Click here to learn more

Preparing for retirement at Air Products & Chemicals can look a little different for women than it does for men. Although stereotypes are changing, women are still more likely to serve as caretakers than men are, meaning they may accumulate less income and benefits due to their time absent from the workforce. Research shows that 31% of women are currently or have been caregivers during their careers. Women who are working also tend to put less money aside for retirement. According to one report, women contribute 30% less to their retirement accounts than men.

These numbers may seem overwhelming, but you don’t have to be a statistic. With a little foresight, you can start taking steps now, which may help you in the long run. Here are three steps to consider that may put Air Products & Chemicals employees ahead of the curve.

•  Talk about money.  Nowadays, discussing money is less taboo than it’s been in the past, and it’s crucial to take control of your financial future. If you’re single, consider writing down your retirement goals and keeping them readily accessible. If you have a partner, make sure you are both on the same page regarding your retirement goals. The more comfortably you can talk about your future, the more confident you may be to make important decisions when they come up.
•  Be proactive about your retirement after Air Products & Chemicals.  Do you have clear, defined goals for what you want your retirement to look like? And do you know where your Air Products & Chemicals retirement accounts stand today? Being proactive with your Air Products & Chemicals retirement accounts allows you to create a goal-oriented roadmap. It may also help to adapt when necessary and continue their journey regardless of things like relationship status or market fluctuations.
•  Make room for your future in your budget.  Adjust your budget to allow for retirement savings, just as you would for a new home or your dream vacation. Like any of your other financial goals, you may find it beneficial to review your retirement goals on a regular basis to make sure you’re on track.

• Retirement may look a little different for women, but with the right strategies – and support – you’ll be able to live the retirement you’ve always dreamed of.

•  Transamerica.com, 2021

•  GAO.gov, 2021

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