Partnering with plan consultants to connect health and financial well-being

 
A smarter way to address healthcare expenses in retirement.
THE ISSUE

Things add up as employees countdown to retirement

Staying healthy in retirement won’t necessarily save money. Longevity is also a driver of total retiree healthcare costs.
An average couple, age 65, currently needs more than $265,000* to cover their healthcare costs in retirement (does not include the cost of long-term care)
Healthcare costs are projected to increase 6-7% annually**
Living two extra years will cost today’s 55-year-olds $73,000**
DEEPER DIVE:  Download the Employee Benefit Research Institute
about health expenses in retirement.

EMERITI’S SOLUTION

Benefits of a defined contribution retiree health approach

Triple tax-free savings and flexibilities enable employers to decide how much they want to contribute – with costs realized today, without future liabilities.
1
Employer contributions Tax-free employer contributions for participants during active service
2
Investment earnings Tax-free investment earnings for participants
3
Participant reimbursement Tax-free participant reimbursement for qualified medical expenses in retirement
VOICE OF OUR MEMBERS

In the early 1990's FAS 106 opened our eyes to the financial liability of post-retirement health care benefits

"We reinstated a post retirement benefit in 2005 for faculty and staff hired after 1993, this time on a purely defined contribution basis"
- Emeriti Plan Sponsor
ADVANTAGES FOR CONSULTANTS

Balancing what’s best for employers and employees

Integrating a retiree health benefit doesn’t have to mean increased costs. Taking a total benefits approach could yield the necessary funding for your clients to support a defined contribution approach. The key is to evaluate benefits from a holistic perspective to identify opportunities. We can help!
ADVANTAGES FOR CONSULTANTS

Be among the first to provide retiree health expertise and increase your market share

Let us work with you to design a simple, easy-to-understand strategy for your clients that integrates retiree health into overall retirement planning.

RELEVANT

Become a part of the growing conversation.

EASY

Provide a simple and repeatable benefit for your clients.

VALUABLE

Learn more about our  partnership programs.
GET STARTED

Start the conversation

We are ready to help you discover how Emeriti's Retirement Healthcare Savings Program can work at your organization.

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Let us know how we can help.
*Employee Benefit Research Institute, EBRI Notes, January 2017, Vol. 38 No. 1.
**HealthView Services Financial, HealthViewInsights: 2016 Retirement Health Care Cost Data Report