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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 Evergy 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 Evergy 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 Evergy 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 Evergy.
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 Evergy 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 Evergy 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 Evergy employees.
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In Conclusion
The Yoders' journey serves as a reflective example for many entering this life phase at Evergy. 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 Evergy retirees. Incorporating regular cardiovascular activity is a proactive initiative to extend vitality and reduce health expenses in the coming years.
What is the purpose of Evergy's 401(k) Savings Plan?
The purpose of Evergy's 401(k) Savings Plan is to help employees save for retirement by providing a tax-advantaged way to invest a portion of their income.
How can I enroll in Evergy's 401(k) Savings Plan?
You can enroll in Evergy's 401(k) Savings Plan by accessing the employee benefits portal or contacting the HR department for enrollment instructions.
What types of contributions can I make to Evergy's 401(k) Savings Plan?
Employees can make pre-tax contributions, Roth (after-tax) contributions, and, if eligible, catch-up contributions to Evergy's 401(k) Savings Plan.
Does Evergy offer a company match for contributions made to the 401(k) Savings Plan?
Yes, Evergy offers a company match on employee contributions to the 401(k) Savings Plan, which helps enhance your retirement savings.
What is the vesting schedule for the company match in Evergy's 401(k) Savings Plan?
The vesting schedule for the company match in Evergy's 401(k) Savings Plan typically follows a graded vesting schedule, which means you earn ownership of the match over a period of time.
How often can I change my contribution amount to Evergy's 401(k) Savings Plan?
You can change your contribution amount to Evergy's 401(k) Savings Plan at any time, subject to the plan's rules and limits.
Are there any fees associated with Evergy's 401(k) Savings Plan?
Yes, there may be administrative fees associated with Evergy's 401(k) Savings Plan, which are disclosed in the plan documents provided to employees.
What investment options are available in Evergy's 401(k) Savings Plan?
Evergy's 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.
How can I access my account information for Evergy's 401(k) Savings Plan?
You can access your account information for Evergy's 401(k) Savings Plan through the plan's online portal or by contacting the plan administrator.
Can I take a loan from my Evergy 401(k) Savings Plan?
Yes, Evergy's 401(k) Savings Plan allows participants to take loans under certain conditions, subject to the plan's rules and limits.