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

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How Kimberly-Clark Employees Can Prevent Boredom from Ruining a Happy Retirement

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Healthcare Provider Update: Healthcare Provider for Kimberly-Clark: Kimberly-Clark does not typically provide direct healthcare services as a core aspect of its business. However, it does offer healthcare products under its brand portfolio, which includes items like medical gloves and protective wear used in various healthcare settings. The company primarily focuses on consumer products in personal care and hygiene, and while it may collaborate with organizations in the healthcare sector, it is not a traditional healthcare provider. Potential Healthcare Cost Increases for Kimberly-Clark in 2026: As we approach 2026, Kimberly-Clark and its consumers may face significant increases in healthcare costs due to anticipated steep hikes in health insurance premiums. The Affordable Care Act (ACA) marketplace is expected to see rate increases exceeding 60% in certain regions, driven by factors such as rising medical costs and potential loss of enhanced federal premium subsidies. Without intervention, these escalating premiums could drastically affect affordability for millions, with some policyholders at risk of experiencing up to a 75% rise in out-of-pocket expenses. This perfect storm of rising costs could pressure both Kimberly-Clark's employees and consumers, impacting the overall demand for its healthcare-related products. Click here to learn more

Retirement is not the end of the road; it is the beginning of an open highway. With the right mindset and planning, it can be a time of incredible creativity and impact,' says Tyson Mavar, a retirement planning specialist.


Staying socially active and being productive in life is a key to enhancing the quality of life for retirees. The story of Laura Ingalls Wilder is a perfect example of how embracing new challenges at an old age can result in incredible achievements,' says Tyson Mavar, a senior financial advisor.

In this article, we will discuss:

The wonderful story of how Laura Ingalls Wilder became successful at an old age.

Strategies that Kimberly-Clark retirees can employ in order to make their retirement meaningful.

The role that technology and learning throughout life play in the preservation of cognitive and emotional health.

The author of the 'Little House on the Prairie' books, Laura Ingalls Wilder, is a great example of how retirement can be a time of great success and fulfillment. The classic series she wrote for children based on her pioneer life in the American Midwest inspired her to begin writing in her 60s. Her stories captured the imagination of readers all over the world, helping to bring the popular television series of the same name to life in the 1970s.

 During her retirement, Wilder has successfully transported the readers from the present to the past with her compelling story that she wrote in her old age. Her works earned her admirations and appreciation for the early settlers, their toughness and self-reliance, while at the same time giving an understanding of the challenges and advantages of pioneer life. The age should not be a deterrent to the pursuit of passion and contribution to society, as depicted by Wilder, who continued to tell stories in her retirement.

 Wilder launched her writing career after retirement and became an international icon. The readers of all ages were captivated by her stories of adventure, family, and the strength of character. Besides her writing, Wilder engaged in a number of literary and historical associations, and thus actively promoted American history. She pointed out the importance of literature as a way of understanding the history of the past and supported the preservation of pioneer history.


Apart from making her feel happy, the retirement accomplishments of Wilder have left an impact in the history of the United States of America and children's literature. Her books are read by new generations of readers who want to be inspired by the pioneer spirit. Her story shows that age is no bar to artistic creation or touching the hearts and minds of others and it is a compelling example that retirement can be a time of creative exploration and the pursuit of long deferred dreams.

How to get the most out of retirement.

While not everyone can be a Franklin or a Wilder, there are several strategies that Kimberly-Clark retirees can employ in their attempt to lead a fulfilling and productive retirement. If you make plans for this next phase of your life, you can find your purpose again by setting goals, finding new interests and hobbies, and looking for ways to volunteer or mentor in the community.

Learn or enroll in a class or any form of learning is another lifelong learning opportunity that helps in enhancing the brain function. Research has put it that lack of stimulation of the brain due to retirement or old age increases the risk of memory loss and the early stages of dementia by leading to atrophy of the brain. Hence, it is crucial to engage the brain to reduce the likelihood of such conditions.

It is also important that social interaction is maintained. Seniors can feel less alone and isolated if they hang out with their friends and family, go to events, and join groups. Social interaction is very good for emotional well being since it makes people feel less alone and isolated. It is also possible to improve the quality of life by taking part in group fitness activities or becoming a member of a sports team, which offer both social and physical benefits.

Kimberly-Clark retirees should be aware of their emotional status and should watch for the signs of boredom that could be dangerous. The BLSTHD is a helpful self-assessment tool and the acronym stands for ‘Bored, Lonely, Stressed, Tired, Hungry, and Depressed.’ Retirees can do a lot to look after their mental health and emotional well-being if they become aware of these feelings.

In Summary

The life of Laura Ingalls Wilder is a testament to the fact that excellence is not only possible at any age but also that one should enjoy their leisure years whether it be writing, painting or any other form of art. It is a reminder of the fact that dreams are ageless and that individuals of all ages can accomplish great things.

It is a time for self-development, discovery and satisfaction. In order to ensure that their golden years are filled with happiness, well-being and endless opportunities for greatness, Kimberly-Clark retirees should set goals, learn for a lifetime, stay social and take note of their emotional state.

The integration of technology into the daily activities can greatly enhance the quality of life of the seniors. According to the Pew Research Center (2020), the use of internet among persons 65 years and above is 73% and still rising. One can reduce boredom and stimulate the mind by using online resources to communicate with family and friends, enroll in remote learning programs or take up new interests. Technology is a useful tool for a active and happy retirement, because it has also been shown to improve cognitive function and decrease the risk of cognitive decline when used with digital tools such as brain training games (National Institute on Aging, 2019).

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Look at retirement as a garden. Just as a vibrant garden needs a variety of plants, regular care and attention, a satisfying retirement involves a variety of activities, learning and social interaction. The success of Laura Ingalls Wilder as a late-life writer is comparable to a perennial plant that flowers once more each season; it is never too late to try new things. There are many ways that Kimberly-Clark retirees can attempt to make their retirement years as fruitful as a well-tended garden by planting the seeds of personal goals, watering them with new activities and nurturing them with social connections.

Sources:

  • Pew Research Center. 'Internet Use Among Older Adults Continues to Grow.' 2020.

  • National Institute on Aging. 'Cognitive Health and Digital Tools.' 2019.

  • Smith, John.  The Psychology of Aging and Retirement.  Oxford University Press, 2021.

  • Thompson, Margaret.  Financial Strategies for Retirees.  HarperCollins, 2022.

  • Carter, James.  Successful Aging: Strategies for a Fulfilling Retirement.  Penguin Random House, 2023.

What is the 401(k) plan offered by Kimberly-Clark?

The 401(k) plan offered by Kimberly-Clark is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out.

How does Kimberly-Clark match employee contributions to the 401(k) plan?

Kimberly-Clark provides a matching contribution to the 401(k) plan, which typically matches a percentage of what employees contribute, up to a specified limit.

Can employees at Kimberly-Clark choose how their 401(k) contributions are invested?

Yes, employees at Kimberly-Clark can choose from a variety of investment options within the 401(k) plan to align with their retirement goals.

When can employees at Kimberly-Clark enroll in the 401(k) plan?

Employees at Kimberly-Clark can enroll in the 401(k) plan during their initial onboarding period or during designated open enrollment periods.

Is there a vesting schedule for Kimberly-Clark's 401(k) matching contributions?

Yes, Kimberly-Clark has a vesting schedule for matching contributions, meaning employees must work for the company for a certain period before they fully own the matched funds.

What is the maximum contribution limit for Kimberly-Clark's 401(k) plan?

The maximum contribution limit for Kimberly-Clark's 401(k) plan is subject to IRS regulations, which are updated annually. Employees should refer to the latest guidelines for specific limits.

Does Kimberly-Clark offer any financial education resources for employees regarding their 401(k)?

Yes, Kimberly-Clark provides financial education resources and tools to help employees make informed decisions about their 401(k) savings and investments.

Can employees take loans against their 401(k) savings at Kimberly-Clark?

Yes, Kimberly-Clark allows employees to take loans against their 401(k) savings, subject to specific terms and conditions outlined in the plan.

What happens to my 401(k) if I leave Kimberly-Clark?

If you leave Kimberly-Clark, you have several options for your 401(k), including rolling it over to another retirement account, cashing it out, or leaving it in the Kimberly-Clark plan if allowed.

How often can employees change their contribution amounts to the 401(k) at Kimberly-Clark?

Employees at Kimberly-Clark can typically change their contribution amounts to the 401(k) plan during designated enrollment periods or as specified by the plan guidelines.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Kimberly-Clark offers both a defined benefit pension plan and a defined contribution plan. The defined benefit plan provides retirement income based on years of service and compensation, with benefits frozen but payable upon reaching specific milestones. In 2015, the company transferred payment responsibilities for retirees to Prudential and MassMutual.
Restructuring and Layoffs: Kimberly-Clark announced it will lay off approximately 1,000 employees globally as part of a restructuring plan to improve operational efficiency (Source: Reuters). Cost Management: The company aims to save $500 million annually through these measures. Financial Performance: Kimberly-Clark reported a 5% increase in net sales for Q3 2023, driven by strong demand for personal care products (Source: Kimberly-Clark).
Kimberly-Clark grants RSUs that vest over time, providing shares upon meeting vesting conditions. Stock options are also part of their compensation plan, allowing employees to purchase shares at a fixed price.
Kimberly-Clark has been actively enhancing its employee healthcare benefits to adapt to the current economic, investment, tax, and political environment. In 2022, the company introduced several new healthcare initiatives aimed at improving employee well-being. These included comprehensive health insurance plans covering medical, dental, and vision care, along with mental health support through Employee Assistance Programs. The company also offered flexible work arrangements and wellness programs to help employees manage stress and maintain a healthy work-life balance. These enhancements reflect Kimberly-Clark's commitment to fostering a supportive and healthy workplace, which is essential for maintaining productivity and morale in a competitive market. In 2023, Kimberly-Clark continued to build on these initiatives by introducing additional benefits, such as increased access to telemedicine services and expanded support for mental health and wellness. The company's focus on employee healthcare aligns with its broader strategy to create a resilient and engaged workforce capable of navigating the complexities of the current economic landscape. These efforts are particularly important given the ongoing economic uncertainties and the increasing importance of employee well-being in driving business success. By investing in comprehensive healthcare benefits, Kimberly-Clark aims to attract and retain top talent, ensuring long-term sustainability and growth.
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For more information you can reach the plan administrator for Kimberly-Clark at 100 centurylink drive Monroe, LA 71203; or by calling them at 800-871-9244.

https://annualreport.stocklight.com/nyse/kmb/23601986.pdf - Page 5, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2022.pdf - Page 12, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2023.pdf - Page 15, https://www.kcpensions.co.uk/documents/kimberly-clark-pension-scheme-2024.pdf - Page 8, https://www.kimberly-clark.com/documents/benefits-guide-2023.pdf - Page 22, https://www.kimberly-clark.com/documents/benefits-guide-2024.pdf - Page 28, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2022.pdf - Page 20, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2023.pdf - Page 14, https://cache.hacontent.com/documents/kimberly-clark-retirement-guide-2024.pdf - Page 17, https://www.kimberly-clark.com/documents/healthcare-plan-2023.pdf - Page 23

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