Retirement Healthcare Savings Program (RHSP)

Helping employers integrate retiree healthcare into overall retirement planning
STRATEGIC BENEFITS

The strategic benefits of Emeriti’s Retirement Healthcare Savings Program

Increasingly, institutions are shifting to a defined contribution approach for retiree healthcare in much the same way they implemented defined contribution retirement plans years ago.
CONTROL COSTS
  • Employers decide how much to contribute
  • Costs are realized today, without future liabilities
  • Reduce or eliminate defined benefit liabilities
MAXIMIZE BENEFIT VALUE
  • Triple tax-free benefits
  • Stretch benefits dollars by up to 50%.
  • Reduce risk associated with end-of-career medical trend and healthcare utilization costs
DRIVE WORKFORCE MANAGEMENT
  • Support recruitment and retention efforts
  • Help employees reach retirement with adequate  retiree healthcare savings
  • Reduce concerns over losing employer coverage
OUR STRATEGY

Optimize your benefits

Emeriti’s powerful tax-saving strategies help enhance employees’ financial well-being in retirement and help you optimize the value of your retirement benefit spend.
TAX-FREE RETIREMENT HEALTHCARE SAVINGS PROGRAM
 
TAX-DEFERRED RETIREMENT PLAN
 
 

Get up to nearly 50% MORE VALUE*

EVALUATING YOUR OPTIONS

What do you need to consider when addressing retiree healthcare solutions?

Below are five factors for you to think about.
PLAN DESIGN

Creating a total benefits solution

Addressing retiree health is a critical part of overall retirement planning.  You can offer a smart, flexible and easy solution for employees – while helping to ensure that you are addressing key fiscal concerns at your institution.

RETIREMENT HEALTHCARE SAVINGS PROGRAM

  • Triple tax-free savings for retiree health
  • Convenient reimbursement for qualified medical expenses
  • Optional group retiree health insurance, underwritten nationally by Aetna
  • Ongoing retirement health planning support

SPECIAL PURPOSE MEDICAL INSURANCE PLAN

  • Enhance retirement plan by providing benefits for select employees
  • Provide transition funding to pay for medical premiums in retirement
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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*Based on the results of a hypothetical illustration where $2,000/year was contributed into both a Retiree Health Care Account (RHCA) and a 403(b) plan for 30 years. The assets in both accounts grew at a 6% interest rate each year and this resulted in an after-tax total accumulation amount of $162,419 from the RHCA compared to $108,821 from a tax-advantaged retirement savings plan. This assumes a 33% tax rate. Individual rates will vary.