Retirement Plainly

Pensions 6 min read

ERISA Minimum Vesting Standards and Pension Timelines

ERISA sets two mandatory vesting schedules for defined-benefit pensions, governing exactly when an employee's accrued...

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Soc. Sec. 6 min read

401(k) In-Service Rollover Rules Explained

In-service rollover rules let active employees move 401(k) funds to an IRA while still employed, subject to age, vest...

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Timing 6 min read

Medicare Part A Deductible: How Benefit Periods Reset

Medicare Part A's inpatient deductible is not annual — it resets each time a new benefit period opens, which can happ...

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Accounts 6 min read

How 401k Vesting Schedules Release Employer Money

401(k) vesting schedules determine when employer contributions legally transfer to an employee — the IRS permits clif...

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Income & Taxes 6 min read

Withheld Social Security Benefits Restored After FRA

Social Security benefits withheld under the earnings test before full retirement age are not lost — SSA recalculates ...

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Timing 6 min read

Medicare Special Enrollment After 65: How It Works

Medicare's Special Enrollment Period lets workers covered by employer insurance after 65 enroll in Part B without pen...

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