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Navigating Your Retirement Health Journey: Essential Insights for Steelcase Employees

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Healthcare Provider Update: Healthcare Provider for Steelcase Steelcase employees typically access healthcare services through major national insurance providers, with several options available depending on their specific employee benefits plan. Common providers offering plans for Steelcase employees may include larger insurers like UnitedHealthcare, Anthem, and Cigna, among others. Employees should refer to their employee benefits information for the precise names and details of the providers available to them. Potential Healthcare Cost Increases in 2026 As we look ahead to 2026, healthcare costs are poised to rise significantly, driven by anticipated increases in health insurance premiums through the Affordable Care Act (ACA). Some states may see hikes exceeding 60%, largely due to increasing medical costs, the potential loss of enhanced federal subsidies, and aggressive rate adjustments from major insurers. Without congressional intervention to extend these subsidies, a staggering 92% of marketplace enrollees could face premium increases over 75%, putting affordable healthcare coverage further out of reach for many. For Steelcase employees relying on ACA coverage, these changes could lead to steep financial burdens come 2026. 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 Steelcase 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 Steelcase 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 Steelcase 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 Steelcase.

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 Steelcase 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 Steelcase 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 Steelcase employees.

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In Conclusion

The Yoders' journey serves as a reflective example for many entering this life phase at Steelcase. 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 Steelcase 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 Steelcase's 401k/Savings Plan?

The purpose of Steelcase's 401k/Savings Plan is to help employees save for retirement by providing a tax-advantaged way to invest a portion of their earnings.

How can Steelcase employees enroll in the 401k/Savings Plan?

Steelcase employees can enroll in the 401k/Savings Plan through the company’s HR portal or by contacting the HR department for assistance.

Does Steelcase offer a company match for the 401k contributions?

Yes, Steelcase offers a company match for employee contributions to the 401k/Savings Plan, which helps to enhance retirement savings.

What are the eligibility requirements for Steelcase's 401k/Savings Plan?

Employees of Steelcase are generally eligible to participate in the 401k/Savings Plan after completing a specific period of service, as outlined in the employee handbook.

Can Steelcase employees change their contribution percentage to the 401k/Savings Plan?

Yes, Steelcase employees can change their contribution percentage to the 401k/Savings Plan at any time, subject to certain guidelines.

What investment options are available in Steelcase's 401k/Savings Plan?

Steelcase's 401k/Savings Plan offers a range of investment options, including mutual funds, stocks, and bonds, allowing employees to choose based on their risk tolerance.

Is there a vesting schedule for Steelcase's company match in the 401k/Savings Plan?

Yes, Steelcase has a vesting schedule for the company match in the 401k/Savings Plan, which determines when employees fully own the matching contributions.

How often can Steelcase employees review their 401k/Savings Plan account?

Steelcase employees can review their 401k/Savings Plan account at any time through the online portal provided by the plan administrator.

What happens to Steelcase employees' 401k/Savings Plan accounts if they leave the company?

If Steelcase employees leave the company, they have several options for their 401k/Savings Plan accounts, including rolling over the balance to another retirement account or cashing out.

Are there any fees associated with Steelcase's 401k/Savings Plan?

Yes, Steelcase's 401k/Savings Plan may have administrative fees and investment-related fees, which are disclosed in the plan documents.

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

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