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Navigating Your Retirement Health Journey: Essential Insights for Edison International 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 Edison International 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 Edison International 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 Edison International 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 Edison International.

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 Edison International 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 Edison International 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 Edison International employees.

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In Conclusion

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

What is the 401(k) plan offered by Edison International?

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

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

Employees can enroll in the Edison International 401(k) plan through the company's HR portal or by contacting the benefits department for assistance.

Does Edison International offer a company match for the 401(k) contributions?

Yes, Edison International offers a company match on employee contributions to the 401(k) plan, which helps employees save more for retirement.

What is the maximum contribution limit for the Edison International 401(k) plan?

The maximum contribution limit for the Edison International 401(k) plan is set by the IRS and may change annually. Employees should check the latest IRS guidelines for the current limit.

Can I change my contribution percentage to the Edison International 401(k) plan?

Yes, employees can change their contribution percentage to the Edison International 401(k) plan at any time, typically through the HR portal.

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

The Edison International 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and company stock, allowing employees to choose based on their risk tolerance.

When can I access my funds from the Edison International 401(k) plan?

Employees can access their funds from the Edison International 401(k) plan upon reaching retirement age, or under certain circumstances such as financial hardship or termination of employment.

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

Yes, there may be administrative fees associated with the Edison International 401(k) plan, which are disclosed in the plan documents provided to employees.

How does Edison International ensure the security of my 401(k) investments?

Edison International takes the security of 401(k) investments seriously by using reputable financial institutions and providing regular statements and updates to employees.

Can I take a loan against my 401(k) from Edison International?

Yes, employees may have the option to take a loan against their 401(k) balance with Edison International, subject to the plan's terms and conditions.

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For more information you can reach the plan administrator for Edison International at 2244 Walnut Grove Ave Rosemead, CA 91770; or by calling them at (626) 302-1212.

*Please see disclaimer for more information

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