Leader in creating healthier tomorrows


Commitment to healthcare security in retirement

Emeriti, a nonprofit consortium, is the leading defined contribution retiree healthcare solution for academic, cultural and public sector organizations, offering customized plan designs, financial sustainability, and innovative strategies for healthcare security in retirement.

Working with TIAA to help drive better retirement plan outcomes by addressing health and financial well-being

Emeriti is a 501(c)(3) nonprofit organization incorporated in 2003, and organized as a nationwide consortium for education and education-related institutions. The Emeriti Retirement Health program evolved from an academic research study conducted by the founders of Emeriti with the support of the Andrew W. Mellon Foundation. Retiree healthcare is Emeriti’s sole focus. We are committed to educating our members about the need for healthcare planning and retiree healthcare in general.

For nearly 100 years, TIAA has helped shape the U.S. retirement savings industry. It is a Fortune 100 financial services organization managing $1 trillion in total assets, representing 16,000 institutional clients and five million participants.1 TIAA, the leading provider of retirement plans in the not-for-profit market, has earned the highest available financial strength ratings.

Emeriti and TIAA are now working together to deliver an integrated health and financial well-being solution for our clients. From plan design to ongoing monitoring, you work with a dedicated team of experienced benefits specialists who can help you address retirement readiness for your employees while solving fiscal concerns at your institution.

Our Program
Emeriti contracts with three well‚Äźknown industry providers to deliver end-to-end administration and services for the program.  TIAA provides accumulation recordkeeping, investment management and trust services.  CBIZ Savitz provides benefit disbursement recordkeeping, insurance enrollment, premium collection, automated premium payment services, and qualified medical expenses processing, and Aetna nationally (and HealthPartners in Minnesota only) provides customized menus of guaranteed issue, group medical, prescription drug and dental insurance options.
TIAA Retirement Healthcare Program (RHP)
Emeriti began research and program development with multiple grants from The Andrew W. Mellon Foundation and The William and Flora Hewlett Foundation.
The Emeriti Program was launched with 12 member institutions.
In 2009, TIAA began offering the TIAA Retirement Health Program (RHP)
TIAA became the accumulation record keeper and investment trust manager for the Emeriti Program.
Emeriti and TIAA expanded their working relationship in order to more effectively and efficiently drive future growth and innovation in the rapidly changing retiree medical benefits market.
Under the expanded relationship, Timothy E. Lane serves as President and Chief Executive Officer of Emeriti, while also leading TIAA Health.

1 As of 12/31/2017. Based on assets under management across Nuveen Investments affiliates and TIAA investment management teams.

2 Source: LIMRA Secure Retirement Institute, Not-for-Profit Market Survey, fourth-quarter 2016 results. Based on a survey of 26
companies. TIAA ranked first in total assets. Ranking does not reflect investment performance.

3 For stability, claims-paying ability and overall financial strength, Teachers Insurance and Annuity Association of America (TIAA)
is a member of one of only three insurance groups in the United States to currently hold the highest rating available to U.S. issuers from three of the four leading insurance company rating agencies. A.M. Best (A++ as of 8/16), Fitch (AAA as of 2/17) and Standard & Poor’s (AA+ as of 11/16), and the second highest possible rating from Moody’s Investors Service (Aa1 as of 2/17). There is no guarantee that current ratings will be maintained. The financial strength ratings represent a company’s ability to meet policyholders’ obligations, and do not apply to variable annuities or any other product or service not fully backed by TIAA’s claims-paying ability. The ratings also do not apply to the safety or the performance of the variable accounts, which fluctuate in value.