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

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 Global 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 Global 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 Global employees.

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In Conclusion

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

What type of retirement plan does Global offer to its employees?

Global offers a 401(k) retirement savings plan to help employees save for their future.

How can employees at Global enroll in the 401(k) plan?

Employees at Global can enroll in the 401(k) plan by completing the enrollment form available on the employee portal.

Does Global provide matching contributions to the 401(k) plan?

Yes, Global offers a matching contribution up to a certain percentage of the employee's salary.

What is the vesting schedule for Global's 401(k) matching contributions?

The vesting schedule for Global's matching contributions is typically a graded schedule over three years.

Can employees at Global change their contribution percentage to the 401(k) plan?

Yes, employees at Global can change their contribution percentage at any time through the employee portal.

What investment options are available in Global's 401(k) plan?

Global's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and stable value funds.

Are there any fees associated with Global's 401(k) plan?

Yes, there may be administrative fees associated with Global's 401(k) plan, which are disclosed in the plan documents.

How often can employees at Global make changes to their investment allocations?

Employees at Global can make changes to their investment allocations on a quarterly basis or as specified in the plan guidelines.

What happens to an employee's 401(k) plan when they leave Global?

When an employee leaves Global, they have several options for their 401(k), including rolling it over to an IRA or a new employer's plan.

Does Global allow for loans against the 401(k) savings plan?

Yes, Global allows employees to take loans against their 401(k) savings plan under certain conditions.

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