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

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How Ingredion Employees Can Prevent Boredom from Ruining a Happy Retirement

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Healthcare Provider Update: Healthcare Provider for Ingredion For Ingredion, the primary healthcare provider facilitating health benefits for employees is generally expected to be a major national health insurer. While specific details can vary by location and employee plan selection, Ingredion typically partners with prominent insurers like UnitedHealthcare, Anthem (Elevance Health), or Cigna. Employees should review their specific benefits documentation to confirm the insurer applicable to their individual or family healthcare plans. Potential Healthcare Cost Increases in 2026 As we look toward 2026, Ingredion employees may face significant healthcare cost increases stemming from rising premiums in the ACA marketplace. Notably, with many states anticipating premium hikes exceeding 60%, employees could feel the pinch as employers may adjust benefit structures, shifting more costs onto them. The expiration of enhanced federal subsidies may further amplify these financial burdens, with up to 92% of ACA enrollees potentially experiencing out-of-pocket premium increases exceeding 75%. Given the upward trend in medical costs driven by pharmaceutical expenses and healthcare service inflation, it is vital for employees to proactively plan for these anticipated changes in their healthcare expenditures. 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 Ingredion 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 Ingredion 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.

Ingredion 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, Ingredion 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 Ingredion 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 401k plan offered by Ingredion?

The 401k plan offered by Ingredion is a retirement savings plan that allows employees to save a portion of their earnings on a tax-deferred basis.

How does Ingredion match employee contributions to the 401k plan?

Ingredion matches employee contributions to the 401k plan up to a certain percentage, helping employees maximize their retirement savings.

Can employees of Ingredion choose how their 401k contributions are invested?

Yes, employees of Ingredion can choose from a variety of investment options within the 401k plan to align with their retirement goals.

What is the eligibility requirement for Ingredion's 401k plan?

To be eligible for Ingredion's 401k plan, employees typically need to meet specific criteria such as age and length of service.

When can employees of Ingredion enroll in the 401k plan?

Employees of Ingredion can enroll in the 401k plan during the initial enrollment period or during open enrollment periods as specified by the company.

How can Ingredion employees change their 401k contribution amount?

Ingredion employees can change their 401k contribution amount by submitting a request through the company’s HR portal or by contacting the HR department.

Does Ingredion offer a loan option against the 401k savings plan?

Yes, Ingredion does offer a loan option against the 401k savings plan, allowing employees to borrow from their savings under certain conditions.

What happens to my 401k savings if I leave Ingredion?

If you leave Ingredion, you have several options for your 401k savings, including rolling it over to another retirement account or cashing it out, subject to taxes and penalties.

Are there any fees associated with Ingredion's 401k plan?

Yes, there may be administrative fees associated with Ingredion's 401k plan, which are disclosed in the plan documents provided to employees.

Can Ingredion employees access their 401k funds while still employed?

Generally, Ingredion employees cannot access their 401k funds while still employed, except through loans or hardship withdrawals as permitted by the plan.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
Pension Plan Details: Look for the specific name of Ingredion's pension plan. Check eligibility criteria such as years of service and age requirements. 401(k) Plan Details: Identify the name of Ingredion's 401(k) plan. Check who qualifies for the 401(k) plan.
Restructuring and Layoffs: In early 2024, Ingredion announced a significant restructuring plan to streamline operations and reduce costs. This includes a reduction of approximately 200 positions globally as part of their strategic realignment to focus on core businesses. The decision is driven by the need to adapt to changing market conditions and enhance operational efficiency. This move reflects broader industry trends of companies optimizing their workforce amidst economic uncertainties. Benefit and Pension Changes: Ingredion is also revising its employee benefits package, including adjustments to its pension plan and 401(k) offerings. The company is shifting from a defined benefit pension plan to a defined contribution plan, impacting employees’ retirement savings and planning. Additionally, changes to the 401(k) plan will involve adjustments in matching contributions and investment options. This is crucial for employees to understand as it directly affects their retirement readiness and financial planning. Given the current economic, investment, tax, and political environment, these changes necessitate careful attention and adjustment to individual retirement strategies.
Ingredion provides stock options to select employees as part of their compensation plan. The company uses the acronym "ISO" for Incentive Stock Options and "NSO" for Non-Qualified Stock Options. Stock options are typically granted to executives and senior management. RSUs Ingredion grants RSUs to executives and other high-level employees. The acronym "RSU" stands for Restricted Stock Units. RSUs are part of Ingredion’s long-term incentive plan and vest over a period of time, often contingent on performance or continued employment.
2022 Report: The annual report mentions a focus on maintaining competitive benefits to attract and retain top talent, with specific attention to healthcare and wellness programs. 2023 Report: Details include enhanced telehealth services and expanded mental health support as part of their benefits package. 2024 Report: Highlights ongoing improvements in health benefits, particularly in response to employee feedback and market trends.
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