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Navigating Your Retirement Health Journey: Essential Insights for Cerner 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 Cerner 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 Cerner 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 Cerner 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 Cerner.

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 Cerner 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 Cerner 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 Cerner employees.

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In Conclusion

The Yoders' journey serves as a reflective example for many entering this life phase at Cerner. 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 Cerner retirees. Incorporating regular cardiovascular activity is a proactive initiative to extend vitality and reduce health expenses in the coming years.

What is the Cerner 401(k) Savings Plan?

The Cerner 401(k) Savings Plan is a retirement savings plan that allows eligible employees to save for retirement through pre-tax and/or Roth contributions.

How can Cerner employees enroll in the 401(k) Savings Plan?

Cerner employees can enroll in the 401(k) Savings Plan by accessing the Cerner benefits portal during the enrollment period or upon hire.

What types of contributions can Cerner employees make to the 401(k) Savings Plan?

Cerner employees can make pre-tax contributions, Roth contributions, and after-tax contributions to the 401(k) Savings Plan.

Does Cerner offer a company match for the 401(k) Savings Plan?

Yes, Cerner offers a company match for employee contributions to the 401(k) Savings Plan, subject to specific terms and conditions.

What is the maximum contribution limit for Cerner employees participating in the 401(k) Savings Plan?

The maximum contribution limit for Cerner employees is determined by IRS regulations and may change annually; employees should check the latest IRS guidelines for the current limit.

When can Cerner employees start withdrawing from their 401(k) Savings Plan?

Cerner employees can typically start withdrawing from their 401(k) Savings Plan upon reaching age 59½, or earlier under certain circumstances such as financial hardship.

Are there any fees associated with the Cerner 401(k) Savings Plan?

Yes, there may be fees associated with the Cerner 401(k) Savings Plan, including administrative fees and investment-related fees. Employees should review the plan documents for details.

Can Cerner employees take a loan against their 401(k) Savings Plan?

Yes, Cerner allows employees to take a loan against their 401(k) Savings Plan, subject to specific terms and conditions outlined in the plan documents.

How can Cerner employees manage their 401(k) investments?

Cerner employees can manage their 401(k) investments by logging into the benefits portal and selecting from various investment options available in the plan.

What happens to a Cerner employee's 401(k) Savings Plan if they leave the company?

If a Cerner employee leaves the company, they can choose to leave their funds in the plan, roll them over to another retirement account, or withdraw the funds, subject to tax implications.

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For more information you can reach the plan administrator for Cerner at 2800 Rockcreek Pkwy Kansas City, MO 64117; or by calling them at 1-816-221-1024.

*Please see disclaimer for more information

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