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  1. Answers to the Most Frequently Asked Benefit Questions

    What is a Deductible?A deductible is the amount of money you or your dependents must pay toward a health claim before your organization’s health plan makes any payments for health care services
  2. Get Out of Debt and Save for the Future

    Many Americans are consumed with anxiety and frustration over the debt that they owe, and the lack of funds to pay it off.
  3. 9 Questions Your Doctor Wishes You’d Ask

    Despite their best intentions, doctors are like the rest of us. They misconstrue, miscommunicate, and sometimes just plain mess up. That’s why it’s important to take an active role when talking w
  4. All About Credit Scores

    It's difficult to imagine functioning in today's world without credit. Whether buying a car or purchasing a home, credit has become an integral part of our everyday lives.
  5. Creating a Spending Plan

    Once you have a general idea of how much you need to save each month to reach your retirement goal, you need to determine where you will find the money.
  6. Glossary of Retirement Terms

    Retirement terms can be complex and confusing. Use this cheat sheet of basic terms to expand your knowledge or help answer questions you may have.
  7. Choosing a Beneficiary for Your Retirement Plan

    Selecting beneficiaries for retirement benefits is different from choosing beneficiaries for other assets such as life insurance. With retirement benefits, you need to know the impact of income tax
  8. Understanding Your Explanation of Benefits (EOB)

    After submitting a claim for medical treatment, you may receive an Explanation of Benefits (EOB) from your insurance company.
  9. Catch-up Contributions

    What are catch-up contributions?Catch-up contributions are salary deferrals (also referred to as “elective deferrals”) that employees age 50 or older can make.
  10. Common Factors Affecting Retirement Income

    When it comes to planning for your retirement income, it's easy to overlook some of the common factors that can affect how much you'll have available to spend.

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