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

Understanding Risk Tolerance: A Guide for Tempur Sealy International Employees Navigating Retirement Changes

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

The world of investing is very subjective--the investment plan that’s right for you depends largely upon the level of comfort that you have when it comes to risk. We'd like our clients from Tempur Sealy International to remember that you can’t completely avoid risk when it comes to investing, but it's possible for you to manage it.

There are two aspects of risk tolerance for Tempur Sealy International employees to consider: (1) the capacity of your investment plan itself to absorb losses, and (2) how comfortable you are personally with risk. The first aspect can be quantified--the more flexibility your investment plan has when it comes to potential loss, the more risk your plan can tolerate. For example, as we’ve discussed, a long investment time horizon may allow you to take on more risk than a short time horizon.

'You can’t completely avoid risk when it comes to investing, but it is possible for you to manage it..'

The second aspect, how comfortable you are personally with risk, is more of an emotional measure, and depends on many factors, including your objectives, life stage, personality, and investment experience. Some investors are comfortable with a high degree of risk, while others can tolerate only minimal risk. Individual risk tolerance is an important factor for Tempur Sealy International employees in deciding which individual investments are appropriate for them, as well as how their investment dollars should be allocated among different investment classes.

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Investors are typically grouped into three categories for purposes of discussing risk tolerance: aggressive (those who have a high degree of risk tolerance); moderate (those willing to accept some degree of risk), and conservative (those who are risk averse).

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.