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Navigating Your Retirement Health Journey: Essential Insights for TopBuild Employees

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Healthcare Provider Update: Healthcare Provider for TopBuild TopBuild Corporation typically partners with major insurers to provide health benefits to its employees. As of now, TopBuild collaborates with UnitedHealthcare for its healthcare coverage options, facilitating access to a wide range of health services for its workforce. Potential Healthcare Cost Increases in 2026 Looking ahead to 2026, healthcare costs are projected to surge significantly, primarily driven by anticipated record hikes in Affordable Care Act (ACA) premiums. With some states expecting increases upwards of 60%, nearly 92% of ACA enrollees could see their out-of-pocket premiums rise by over 75, driven by the expiration of enhanced federal subsidies and increasing medical costs. Insurers are grappling with escalating healthcare expenses, leading to a perfect storm of financial strain on consumers as they navigate the impending marketplace changes. As a result, strategies to mitigate these costs will be essential for families and individuals in the coming year. 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 TopBuild 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 TopBuild 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 TopBuild 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 TopBuild.

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 TopBuild 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 TopBuild 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 TopBuild employees.

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In Conclusion

The Yoders' journey serves as a reflective example for many entering this life phase at TopBuild. 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 TopBuild 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 TopBuild?

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

Does TopBuild match employee contributions to the 401(k) plan?

Yes, TopBuild offers a matching contribution to the 401(k) plan, helping employees to grow their retirement savings.

What is the eligibility requirement for TopBuild's 401(k) plan?

Employees at TopBuild are eligible to participate in the 401(k) plan after completing a specified period of service, typically within the first year of employment.

How can employees enroll in TopBuild's 401(k) plan?

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

What types of investment options are available in TopBuild's 401(k) plan?

TopBuild's 401(k) plan offers a variety of investment options, including mutual funds, target-date funds, and other investment vehicles to suit different risk tolerances.

Can employees change their contribution amount to the 401(k) plan at TopBuild?

Yes, employees at TopBuild can change their contribution amount at any time, subject to the plan's guidelines.

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

TopBuild has a vesting schedule for matching contributions, meaning employees must work for a certain period before they fully own the matched funds.

Are there loan options available through TopBuild's 401(k) plan?

Yes, TopBuild allows employees to take loans against their 401(k) balance under certain conditions, providing flexibility for financial needs.

What happens to my 401(k) if I leave TopBuild?

If you leave TopBuild, you can choose to roll over your 401(k) balance to a new employer's plan, an IRA, or withdraw the funds, subject to tax implications.

How often can employees contribute to TopBuild's 401(k) plan?

Employees can contribute to TopBuild's 401(k) plan with each paycheck, allowing for regular savings throughout the year.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.
TopBuild announced a restructuring plan to streamline operations, resulting in a reduction of 5% of its workforce. The company is also modifying its benefits package to include more flexible work arrangements and updated retirement planning options.
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For more information you can reach the plan administrator for TopBuild at , ; or by calling them at .

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