Financial wellness is a key component of your overall well-being, and we offer a variety of resources to help you manage your finances effectively and plan for a secure future. From budgeting tools and financial planning services to retirement planning and investment guidance, we provide comprehensive support to help you achieve your financial goals. Our programs are designed to empower you with the knowledge and tools you need to make informed financial decisions and build a stable foundation for the future.

Vanguard Retirement

Your 401k retirement plan offers many services and features. 

  • Three types of contributions you can make:
    • D-CAP (pre-tax) contributions
    • V-CAP (traditional after-tax) contributions
    • Roth 401(k) after-tax contributions
  • All contributions are immediately vested, meaning the money belongs to you as soon as it’s deposited into your account.
  • Catch-up contributions for participants age 50 and over
  • Three types of investment options:
    • Target-date funds
    • Core investments
    • Self-directed brokerage option (SDBO) through TD Ameritrade
  • Advice services
  • Automatic contribution increases
  • Rollover contributions
  • Plan account loans and hardship withdrawals

Log into your account at vanguard.com/retirementplans. You can also speak with a Vanguard Participant Services associate at 800-523-1188.

vanguard login

HealthEquity

When enrolled in a high-deductible medical plan, you can contribute pre-tax dollars to a Health Savings Account (HSA).  If used to help pay for healthcare expenses, you will not pay tax on that money.  If you do not use your HSA funds this year, it rolls over to next year. HSA funds earn interest and can be invested (similar to a 401k), allowing you to save for retirement healthcare needs.

You can begin contributing at time of hire and can change your contribution amounts at any time throughout the year by submitting the HSA Contribution Change Form.

Flexible Spending Accounts (FSAs) allow you to contribute pre -tax payroll deductions to pay for certain out-of-pocket expenses. You can contribute up to the IRS maximum limits set for that benefit year.

  • HEALTHCARE FLEXIBLE SPENDING ACCOUNT
    You are only able to participate in this account if you are NOT enrolled in a CDHP medical plan.
  • LIMITED PURPOSE FLEXIBLE SPENDING ACCOUNT
    If you are enrolled in a CDHP medical plan, designed to complement a Health Savings Account, a Limited Purpose Flexible Spending Account allows for reimbursement of eligible dental and vision expenses ONLY.
  • DEPENDENT CARE FLEXIBLE SPENDING ACCOUNT
    This account allows you to contribute pre-tax dollars for elder or child dependent care, reimbursing yourself for expenses such as day care and before- and after-school care.

Considering a DCFSA?  View this article “5 rules you need to know.”

hsa info fsa info dc fsa info

Resources for living

Financial Services Assistance

Help take control of your finances
Sometimes a little help can go a long way. Simply call us to speak with a financial consultant. You can get a free 30-minute consultation for each issue you’d like to ask about. From creatin a budget to setting long-term goals, we’re here to help. Information is at your fingertips by phone or online. Find help with:

  • Creating a budget and managing debt
  • Understanding bankruptcy options and requirements
  • Avoiding foreclosure and handling creditors
  • Preparing for a home purchase and saving for your down payment
  • Setting financial goals and deciding on investment strategies
  • Planning for college expenses and finding the right tuition plan

How it works
Simply call us and answer a few brief questions. You’ll be transferred to financial services

Or you can choose to call them at a later time if that’s more convenient. Either way, you’ll be on your way to getting help with your financial issues. And don’t forget about your member website. It’s full of articles and resources that can help with your financial life and much more.

Financial services can help you with:

  • Budgeting
  • Credit repair
  • College funding
  • Investment planning
  • Estate planning
  • Retirement preparation
  • Tax questions
  • Credit report analysis
  • Debt management
  • Medicare/Social Security information
financial services

Online discount center

The Discount Center offers a huge selection of savings for you and your family. Browse deals from national and local retailers from vacation packages to shopping, services and more. Simply log on today for discounts on:

  • Computers and electronics
  • Travel, care rentals and hotels
  • Gifts and retail shopping
  • Flowers
  • Fitness centers
  • Shoes and clothes
  • Movie tickets and video rentals
  • Media and streaming services
  • Theme parks
  • Auto maintenance
  • Restaurants and more

Website: resourcesforliving.com

UserID:  myhsceap 

Password:  myhsceap

Phone:  877-836-2327

discount center

If you have questions about any HSC benefits or how to use them, please reach out to HR at G1HSC-HR@hscpoly.com.

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