Your workplace
retirement plan 

By deciding to plan and save for your retirement, you’ve made a decision you can feel good about. You've realized that a sound savings plan is key toward helping you achieve a more secure financial future.

FMOLHS retirement plans

All FMOLHS team members are eligible to make salary deferral contributions to the FMOLHS 403(b) plan. FMOLHS will make employer contributions in the 403(b) plan only, (Core and Match) as long as you:

  • Work 1,000 or more hours in the current year and
  • Are actively employed on December 31 of the current year

For more information on the retirement plan, review the  enrollment kit.

In addition to the FMOLHS 403(b) plan, you have the ability to save additional dollars in the FMOLHS 457(b) plan. For more information on the 457(b) retirement plan, review the  enrollment kit. *

Be generous to yourself and to your future

The sooner you start saving, the better. Once you decide to save for your retirement, the next step is to decide how much to save. Saving for retirement costs less than you may think. See how your retirement plan savings rate may impact your take-home pay by logging in to your account at  LincolnFinancial.com/Retirement.  You can also see how easy it can be to fit retirement savings into your budget and how much more you can save over time by starting now. FMOLHS will contribute 50% of each dollar you contribute up to the first 6% of your pay. In addition to the match, FMOLHS will contribute 2% of your pay as a Core contribution.

Once you decide how much you can save, either a flat dollar amount or a percentage of your wages will be automatically invested in your account each pay period.

Make the most of pretax and Roth after-tax contributions

Will you benefit most from saving for retirement on a pretax basis, a Roth after-tax basis or both?  Explore the differences between Roth after-tax and traditional contributions.

Your FMOLHS pension account

The pension plan only applies to team members hired before a certain date. If applicable, you can access your pension account at retirementfocus.com to see general data, accrued pension benefit, vesting percentage and more. If you have questions, call 855-874-0011. If you’re enrolled in the FMOLHS 403(b) Plan, you’ll see your estimated pension benefit on your Lincoln quarterly statement. You can also find your pension balance in your account at LincolnFinancial.com . Please read this  letter for more information.

calculator
Resources for your retirement needs

Online planning tools

See what online tools and resources are available to help you plan.

Annual contribution limits

Find out how much you could save for your retirement each year.

Social Security benefits

Learn how to apply for Social Security benefits online.

Understand your 403(b) plan

Discover the basics of this tax-deferred retirement plan with this helpful Q&A.

Understand Your 457(b) Plan

Learn more about this governmental plan for state or local employees.

* Please note, your contributions to the 457(b) plan are not matched.

Mutual funds in the Lincoln Alliance® program are sold by prospectus. An investor should consider carefully the investment objectives, risks, and charges and expenses of the investment company before investing. The prospectus and, if available, the summary prospectus contain this and other important information and should be read carefully before investing or sending money. Investment values will fluctuate with changes in market conditions so that, upon withdrawal, your investment may be worth more or less than the amount originally invested. Prospectuses for any of the mutual funds in the Lincoln Alliance® program are available at 800‑234‑3500.

The Lincoln Alliance® program includes certain services provided by Lincoln Financial Advisors Corp. (LFA), a broker-dealer (member FINRA, SIPC) a retail and financial planning affiliate of Lincoln Financial Group, 1301 S. Harrison St., Fort Wayne, IN 46802. Unaffiliated broker-dealers also may provide services to customers. Lincoln Investment Advisors Corporation (LIAC) is the investment management organization of Lincoln Financial Group.

This material is provided by The Lincoln National Life Insurance Company, Fort Wayne, IN, and, in New York, Lincoln Life & Annuity Company of New York, Syracuse, NY and their applicable affiliates (collectively referred to as “Lincoln”). This material is intended for general use with the public. Lincoln does not provide investment advice, and this material is not intended to provide investment advice. Lincoln has financial interests that are served by the sale of Lincoln programs, products and services.