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

Saia Employees: Discover the Rising Trend of 'Work for Pleasure' in Your Retirement Journey

Healthcare Provider Update: Healthcare Provider for Saia Saia, a leading transportation and logistics company, offers its employees access to health insurance through various providers, primarily utilizing the health plans available in the Affordable Care Act (ACA) marketplace. As of now, specific healthcare providers associated with Saia may vary based on region and employee enrollment, but major insurers such as UnitedHealthcare, Blue Cross Blue Shield, and Cigna are commonly explored options within their offerings. Potential Healthcare Cost Increases in 2026 As we approach 2026, Saia employees should prepare for significant healthcare cost increases. Due to rising medical expenses and anticipated adjustments in benefit structures, many employees may face a greater share of their healthcare costs. The ACA marketplace is expected to see premium hikes averaging around 20%, with some states reporting increases exceeding 60%. These changes signal a crucial need for Saia workers to understand their benefit options, maximize their health savings accounts, and carefully select their insurance plans to mitigate the impact of escalating healthcare expenses in the upcoming year. Click here to learn more

A recent Fidelity Investments poll illuminates new trends in the ever-changing retirement planning landscape. Notably, 66% of respondents envision a phased-in approach to retirement, which deviates from the conventional full-stop strategy. This choice shows a shift towards flexible retirement solutions across generations, as evidenced by the significant interest shown by both Gen Zers and millennials.

The wide-ranging implications of this trend point to the necessity of flexibility in retirement advice and planning when preparing to retire from Saia. The departure from traditional retirement models highlights a more comprehensive reassessment of retirement goals and work-life balance, reflecting shifting perspectives toward the end of your Saia career. Advisors who want to fulfill their Saia clients' complex needs must have a thorough understanding of these preferences as retirement planning continues to change.

A growing number of retirees who desire social connection and intellectual stimulation in addition to financial security are adopting the idea of 'Work for Pleasure' in phased retirement, a viable option for Saia employees. According to an American Psychological Association study, continuing to work after retirement can enhance mental well-being, increase life satisfaction, and facilitate the transition to complete retirement. Retirement is now seen as a new chapter with opportunity for learning, growth, and contribution rather than as an end. This is especially true for seasoned professionals from high-ranking roles.

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Retirement is becoming less and less like the unexpected curtain call at the end of a play and more like a well planned art display. Similar to how an exhibition progressively moves from one theme and era to another, providing visitors with an extensive array of experiences, the modern retirement trip, as defined by Fidelity Investments, takes place in stages. With this method, people can combine the elegant brushstrokes of their personal passions and hobbies with their professional creations. Today's retirees and soon-to-be retirees find joy and fulfillment in doing work that pleases them, much like an artist who paints for the love of art even after their formal career has concluded. This is creating a retirement experience that is as nuanced and fulfilling as a well-curated gallery.

What is the Saia 401(k) plan?

The Saia 401(k) plan is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out, helping them build a nest egg for retirement.

How does Saia match employee contributions to the 401(k) plan?

Saia offers a matching contribution to the 401(k) plan, which means that for every dollar an employee contributes, Saia will match a percentage up to a certain limit, enhancing the employee's retirement savings.

When can I enroll in the Saia 401(k) plan?

Employees can enroll in the Saia 401(k) plan during the initial eligibility period, which is typically upon hire, and during open enrollment periods thereafter.

What are the eligibility requirements for the Saia 401(k) plan?

To be eligible for the Saia 401(k) plan, employees generally need to be at least 21 years old and have completed a certain period of service, as defined in the plan documents.

Can I change my contribution rate to the Saia 401(k) plan?

Yes, employees can change their contribution rate to the Saia 401(k) plan at any time, subject to the plan's guidelines and limits.

What investment options are available in the Saia 401(k) plan?

The Saia 401(k) plan offers a variety of investment options, including mutual funds, stocks, bonds, and target-date funds, allowing employees to choose based on their risk tolerance and retirement goals.

Does Saia allow for loans against my 401(k) balance?

Yes, Saia allows employees to take loans against their 401(k) balance under certain conditions, providing a way to access funds for emergencies or significant expenses.

What happens to my Saia 401(k) if I leave the company?

If you leave Saia, you have several options for your 401(k) balance, including rolling it over into an IRA or another employer's 401(k) plan, or cashing it out, though cashing out may incur taxes and penalties.

How can I access my Saia 401(k) account information?

Employees can access their Saia 401(k) account information through the plan's online portal or by contacting the plan administrator for assistance.

Are there any fees associated with the Saia 401(k) plan?

Yes, there may be administrative fees and investment fees associated with the Saia 401(k) plan, which are disclosed in the plan documents and can vary based on the investment options selected.