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Navigating Your Retirement Health Journey: Essential Insights for OGE Energy Employees

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Healthcare Provider Update: Provides company health insurance, preventive care, ergonomic workstations, and wellness programs. Employees also receive group accident insurance and access to mental health services 2. With ACA insurers requesting double-digit hikes, OGEs internal health offerings may help employees avoid the financial strain of rising marketplace premiums. Click here to learn more

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 OGE Energy 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 OGE Energy 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 OGE Energy 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 OGE Energy.

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 OGE Energy 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 OGE Energy 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 OGE Energy employees.

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In Conclusion

The Yoders' journey serves as a reflective example for many entering this life phase at OGE Energy. 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 OGE Energy 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 OGE Energy's 401(k) Savings Plan?

The purpose of OGE Energy's 401(k) Savings Plan is to help employees save for retirement by providing a tax-advantaged way to contribute a portion of their salary.

How can I enroll in OGE Energy's 401(k) Savings Plan?

Employees can enroll in OGE Energy's 401(k) Savings 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 OGE Energy's 401(k) Savings 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 in OGE Energy's 401(k) Savings Plan.

Does OGE Energy offer a company match for 401(k) contributions?

Yes, OGE Energy offers a company match for employee contributions to the 401(k) Savings Plan, which helps to enhance retirement savings.

What is the vesting schedule for OGE Energy's 401(k) company match?

The vesting schedule for OGE Energy's 401(k) company match typically follows a graded vesting schedule, which means employees become vested in the company match over a specified period of service.

Can I take loans against my 401(k) balance at OGE Energy?

Yes, OGE Energy's 401(k) Savings Plan allows employees to take loans against their account balance, subject to certain terms and conditions.

What investment options are available in OGE Energy's 401(k) Savings Plan?

OGE Energy's 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and potentially company stock, allowing employees to diversify their retirement savings.

How often can I change my contribution amount to OGE Energy's 401(k) Savings Plan?

Employees can change their contribution amount to OGE Energy's 401(k) Savings Plan at any time, typically through the HR portal or by contacting HR.

Is there a minimum contribution requirement for OGE Energy's 401(k) Savings Plan?

Yes, OGE Energy's 401(k) Savings Plan may have a minimum contribution requirement, which is typically outlined in the plan documents provided to employees.

How can I check my 401(k) balance with OGE Energy?

Employees can check their 401(k) balance with OGE Energy by logging into the plan's online portal or by contacting the plan administrator for assistance.

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For more information you can reach the plan administrator for OGE Energy at , ; or by calling them at .

*Please see disclaimer for more information

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