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Navigating Your Retirement Health Journey: Essential Insights for ASGN Employees

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The path to retirement marks a profound transition in life, encompassing not only financial adjustments but significant psychological and physical changes as well. The early years of this phase can deeply influence the subsequent decades, making it crucial for ASGN employees to approach retirement with a strategic and informed perspective.

Stephen Kreider Yoder  and Karen Kreider Yoder provide a clear illustration of how to address the challenges that emerge as retirement nears. Stephen, a former editor at the Wall Street Journal, and his wife Karen have shared their proactive steps to maintain their health and vitality.

Initial Encounters and Preventive Measures

Stephen's experience with a persistent eye issue during his travels highlights a critical aspect of retirement: the inevitability of health issues. What started as a minor blur in his vision led to an emergency room visit in Minnesota, showcasing the unpredictable nature of health in retirement. This incident served as a reminder for ASGN personnel of the importance of vigilance and early medical consultation, a commitment the couple embraced upon retiring.

The Importance of Regular Health Patterns

Aware of age-related risks like cataracts, macular degeneration, and glaucoma, Stephen and Karen decided to undertake regular health screenings. This includes the Medicare Wellness Visit, a preventive measure that helps create personalized plans to ward off illnesses. During these visits, assessments such as cognitive tests are performed, which Stephen passed, highlighting an essential element of health monitoring for ASGN retirees.

Lifestyle Adjustments and Risk Management

They have also focused on adapting their lifestyle to reduce health risks. For example, Stephen stopped climbing stairs and both are more cautious about multitasking while walking. These adjustments are part of broader risk-reduction rules they have set to prevent falls and other accidents, particularly relevant as physical flexibility decreases with age at ASGN.

Nutritional Considerations and Physical Activity

Karen takes a proactive approach to preserving her health, consulting healthcare professionals, including family members who are physicians. She has been advised to focus on prevention through diet, physical activity, and mental health practices. Following longevity experts like Peter Attia, she aims to maintain a diet rich in grains, white meats, and primarily plants, alongside regular physical activities like cycling and weight training, ensuring ASGN employees maintain a healthy lifestyle.

Psychological Well-being and Social Engagement

The mental aspect of retirement is as crucial as the physical side. Loneliness and social isolation can lead to depression and other mental health issues in older adults. Karen and Stephen are aware of this, striving to remain socially active, which is essential for emotional and psychological well-being among ASGN colleagues.

Financial Health as Part of Overall Health

While their monthly columns lack explicit financial details, the financial aspect of retirement is inherently connected to overall health. The eye condition that Stephen encountered resulted in a significant medical bill, for which they were partially responsible. This situation highlights the importance of financial planning and the potential for unexpected expenses associated with aging for ASGN employees.

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In Conclusion

The Yoders' journey serves as a reflective example for many entering this life phase at ASGN. They emphasize the importance of a holistic approach to retirement that includes health vigilance, preventive care, lifestyle adjustments, and maintaining social connections. As they navigate their later years, their experiences and insights offer valuable lessons on managing and possibly enhancing the chances of a healthy recovery.

Adopting a holistic perspective on retirement is not just about preserving health but also ensuring that life's later years are as fulfilling and enriching as possible. The proactive measures taken by the Yoders serve as a model for others, showing that while aging is inevitable, deterioration is not an absolute outcome if appropriate steps are taken.

A recent study by the  American Heart Association (2021)  underscores the importance of maintaining cardiovascular health in retirement. According to the study, individuals over 60 can significantly reduce their risk of cardiovascular diseases by engaging in moderate aerobic activities like brisk walking for at least 150 minutes per week. This routine not only improves heart health but also strengthens physical and mental well-being, essential components for a fulfilling retirement for ASGN retirees. Incorporating regular cardiovascular activity is a proactive initiative to extend vitality and reduce health expenses in the coming years.

What is the ASGN 401(k) plan?

The ASGN 401(k) plan is a retirement savings plan that allows employees to save for retirement on a tax-advantaged basis.

How can I enroll in the ASGN 401(k) plan?

You can enroll in the ASGN 401(k) plan by completing the enrollment process through the company’s HR portal or by contacting the HR department for assistance.

What types of contributions can I make to the ASGN 401(k) plan?

Employees can make pre-tax contributions, Roth (after-tax) contributions, and, in some cases, catch-up contributions if they are age 50 or older.

Is there a company match for contributions to the ASGN 401(k) plan?

Yes, ASGN offers a company match for employee contributions, which helps enhance your retirement savings.

What is the vesting schedule for the ASGN 401(k) plan?

The vesting schedule for the ASGN 401(k) plan typically depends on the length of service and the specific terms outlined in the plan documents.

Can I take a loan against my ASGN 401(k) plan?

Yes, ASGN allows participants to take loans against their 401(k) balance, subject to the terms and conditions of the plan.

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

The ASGN 401(k) plan offers a variety of investment options, including mutual funds, target date funds, and other investment vehicles.

How often can I change my contribution amount to the ASGN 401(k) plan?

Employees can typically change their contribution amounts to the ASGN 401(k) plan at any time, subject to the plan's rules.

When can I start withdrawing funds from my ASGN 401(k) plan?

You can begin withdrawing funds from your ASGN 401(k) plan without penalties after reaching age 59½, or in the event of a qualifying hardship.

Does ASGN provide educational resources for managing my 401(k) plan?

Yes, ASGN provides educational resources and tools to help employees understand and manage their 401(k) plan effectively.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
ASGN announced a restructuring plan to streamline operations and focus on core business areas. This includes potential layoffs and reorganization within the company to improve efficiency and profitability.
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For more information you can reach the plan administrator for ASGN at 26745 Malibu Hills Rd Calabasas, CA 91301; or by calling them at +1 818-878-7900.

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