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

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Clean Harbors Retirees: Discover the Hidden Charms of Small-Town Living for Your Next Chapter!

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Healthcare Provider Update: Healthcare Provider for Clean Harbors Clean Harbors partners with various healthcare providers to ensure the well-being of its employees, primarily utilizing Aetna Health for their health insurance plans. This partnership aims to offer comprehensive healthcare benefits, including medical, dental, and vision coverage tailored to meet the needs of their workforce. Potential Healthcare Cost Increases in 2026 As 2026 approaches, Clean Harbors employees should brace for significant changes in healthcare costs. With healthcare premiums projected to rise sharply nationwide-some by over 60%-the burden may fall heavily on employees as employers adjust their benefit structures. Escalating medical costs and the potential expiration of enhanced federal premium subsidies will likely lead to an increase in out-of-pocket expenses, compelling employees to adopt proactive measures in managing their healthcare choices. Staying informed and prepared for these adjustments will be crucial for navigating the financial challenges ahead. Click here to learn more

Small towns across America offer a unique blend of nostalgia, tradition, and practicality that makes them attractive retirement destinations. These towns vary in size, often defined by their quaint appearance, supportive lifestyles, and strong community bonds. This guide explores a variety of such towns, assessing them based on factors like cost of living, crime rates, healthcare availability, senior housing options, transportation, and local attractions.

1. Greer, South Carolina

Greer, a town of about 39,000 in upstate South Carolina, exemplifies small-town charm with its revitalized downtown and numerous community activities. Its proximity to the Greenville-Spartanburg International Airport and Amtrak services enhances its accessibility. The town's offerings include a weekly farmers market, regular festivals, and diverse recreational activities, making it an engaging place for active Clean Harbors retirees.

2. Coolidge, Arizona

Located in the Sonoran Desert, Coolidge is a small town of over 14,700 residents. Known for its warm summers and moderate winters, it appeals to retirees who prefer desert climates. The cost of living here is lower than both the national and Arizona averages. Coolidge is home to the Casa Grande Ruins National Monument and offers educational opportunities at Central Arizona College.

3. Dillsboro, North Carolina

Dillsboro, nestled on the Tuckasegee River near the Great Smoky Mountains, is a historic railroad town with fewer than 300 residents. It offers a unique blend of 19th-century charm and modern amenities. The cost of living aligns with the national average, and its proximity to Asheville makes it a favorable option for retirees seeking a balance between tranquility and accessibility.

4. Fredericksburg, Texas

Fredericksburg, a town of approximately 11,000 residents, is steeped in German heritage. The town is a haven for wine enthusiasts and stargazers, thanks to its location amidst over 100 wineries and status as a Dark Sky Community. Its tourist appeal is heightened by its historical landmarks, diverse culinary scene, and proximity to major cities like San Antonio and Austin.

5. Cedar Key, Florida

This Gulf Coast town with fewer than 900 residents is a serene and scenic retirement choice. Florida's tax benefits for retirees and Cedar Key's moderate cost of living are significant draws. The town is known for its nature trails, wildlife refuge, and fresh seafood, providing a tranquil environment for Clean Harbors retirees.

6. Paso Robles, California

Halfway between San Francisco and Los Angeles, Paso Robles is a city of around 31,000. It offers a lively downtown, numerous wineries, and a range of outdoor activities. The town's mild climate and proximity to the coast make it an attractive destination for Clean Harbors retirees who enjoy an active lifestyle.

7. Stroudsburg, Pennsylvania

Located in the Pocono Mountains, Stroudsburg is a small town with a population under 6,000. It blends historical charm with modern amenities and hosts various community events, making it ideal for retirees who value cultural engagement and family-friendly activities.

8. Mequon, Wisconsin

Mequon, near Milwaukee, is known for its open spaces and outdoor recreational opportunities. The Village of Thiensville within Mequon adds to its charm with various events and local amenities. Its proximity to Milwaukee enhances its appeal for those seeking a blend of suburban and urban experiences.

9. Bristol, Vermont

Bristol, nestled in the Green Mountains with a population of less than 4,000, is a quintessential New England town. It offers a range of community events and maintains a traditional atmosphere, complete with horse-drawn recycling collection. Its scenic beauty and historic downtown appeal to those looking for a tranquil retirement setting.

10. Hamilton, Montana

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For those who value wide-open spaces and a rural lifestyle, Hamilton is an ideal choice. With fewer than 5,000 residents, it offers a strong sense of community while being close to the amenities of a larger city. The town's historical significance and natural beauty make it a compelling choice for independent, active retirees.

An additional aspect that may appeal to our target audience of established professionals and retirees is the availability of high-quality healthcare services in small towns. For example, Fredericksburg, Texas, not only offers cultural richness and scenic beauty, but also boasts the Hill Country Memorial Hospital, which has been recognized for its excellence in patient care. This hospital has received numerous accolades, including being named one of the nation's 100 Top Hospitals by IBM Watson Health. Access to top-tier healthcare facilities is a crucial consideration for retirees, ensuring peace of mind and well-being in their chosen community. 

Selecting a small town for retirement from Clean Harbors is akin to choosing the perfect vintage wine from a distinguished vineyard. Just as a connoisseur appreciates the unique notes, history, and region of a fine wine, retirees can savor the distinct characteristics of each small town. Greer, SC, with its lively community events, resembles a vibrant and robust red, while the tranquil desert ambiance of Coolidge, AZ mirrors the smooth, subtle notes of a classic white. Fredericksburg, TX, with its rich cultural heritage, is akin to a rare, aged bottle, steeped in history and flavor. Each town, much like a carefully curated wine collection, offers its own unique bouquet of lifestyle, culture, and comfort, promising a fulfilling and refined Clean Harbors retirement experience.

What is the 401(k) plan offered by Clean Harbors?

The 401(k) plan at Clean Harbors is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How can I enroll in Clean Harbors' 401(k) plan?

Employees can enroll in Clean Harbors' 401(k) plan by completing the enrollment form provided during onboarding or by accessing the employee benefits portal.

Does Clean Harbors match employee contributions to the 401(k) plan?

Yes, Clean Harbors offers a matching contribution to the 401(k) plan, which helps employees grow their retirement savings.

What is the maximum contribution limit for Clean Harbors' 401(k) plan?

The maximum contribution limit for Clean Harbors' 401(k) plan follows the IRS guidelines, which may change annually. Employees should check the latest limits for accuracy.

Can I change my contribution percentage in Clean Harbors' 401(k) plan?

Yes, employees can change their contribution percentage at any time through the employee benefits portal or by contacting HR at Clean Harbors.

What investment options are available in Clean Harbors' 401(k) plan?

Clean Harbors' 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

When can I access my funds from Clean Harbors' 401(k) plan?

Employees can access their funds from Clean Harbors' 401(k) plan upon reaching retirement age, or in the case of hardship or termination of employment, subject to IRS regulations.

How does Clean Harbors provide information about the 401(k) plan?

Clean Harbors provides information about the 401(k) plan through employee handbooks, the benefits portal, and periodic informational sessions.

Is there a vesting schedule for Clean Harbors' 401(k) matching contributions?

Yes, Clean Harbors has a vesting schedule for matching contributions, meaning employees must work for a certain period before they fully own the matched funds.

Can I take a loan against my 401(k) with Clean Harbors?

Yes, Clean Harbors allows employees to take loans against their 401(k) balance, subject to the plan's terms and conditions.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Clean Harbors announced a significant reduction in their workforce as part of a major restructuring initiative aimed at reducing operational costs. The company is also revising its employee benefit programs to streamline expenses. Additionally, changes are being made to their 401(k) matching contributions to align with the new financial strategies.
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For more information you can reach the plan administrator for Clean Harbors at 42 Longwater Dr Norwell, MA 2061; or by calling them at (781) 792-5000.

*Please see disclaimer for more information

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