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Robbie: Facing Retirement & Health Issues

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#PhysicalWell-being #FinancalWell-being #MentalWell-being #HealthCareSupport #SavingMoney

Last updated date: 8/27/2024

In this “real-life” inspired story, see how Citi’s benefits connect “Robbie” to the right support. If you’re in a similar situation, turn to these resources for the help you need to live well.

Meet Robbie

  • Looking forward to retirement in the next five to 10 years, but concerned about having enough savings.
  • Hoping to spend time with adult children … especially with a grandchild on the way!
  • Just diagnosed with cancer … and will need surgery next year.
  • Worried … about health, money and being there for spouse, kids and grandkids.

See how Citi's benefits support Robbie's total well-being:

Mental Health/Work-Life Support

When faced with a serious illness, life’s priorities become a lot clearer. In a situation like Robbie’s, Citi’s breadth of benefits can make all the difference to employees’ mental and emotional well-being — and their ability to pursue the goals most important to them.

How Citi Is There for Robbie

Here are the mental health and work-life resources Robbie turns to:

For Robbie, spending time with family is more important than ever. Thankfully, Citi’s Vacation Purchase Program allows employees to purchase five extra days off, so Robbie plans to take advantage of that during Annual Enrollment for 2023.

Vacation Purchase Program

Robbie realizes that medical issues have a big impact on mental health, too. With help from the Live Well at Citi Program’s phone and digital coaching options, Robbie gets step-by-step assistance building stress management skills.

Live Well at Citi Program

After getting a cancer diagnosis, Robbie’s head was spinning. A Citi Health Concierge was able to answer questions about the condition, find doctors and suggest available resources … providing real peace of mind at a very difficult time.

Citi Health Concierge

And More…

Robbie’s Story Doesn’t End There! What About Physical and Financial Health?

See more of Citi’s benefits in action:

How Can Citi’s Benefits Help You?

You may need different mental health or work/life support than Robbie. Find benefits for your needs or take a look at more stories showing Citi’s benefits in action to see if you relate to one of these situations, too:

Physical Health

Dealing with a health crisis can be overwhelming — and scary. If you or a family member are diagnosed with a serious illness like Robbie, it’s comforting to know Citi offers benefits to help you receive the best possible care and support you through the treatment process.

How Citi Is There for Robbie

Here are the benefits Robbie turns to for support with physical health needs:

Robbie has a long-time primary care doctor and values that relationship — it was a routine screening that detected Robbie’s cancer. Robbie’s doctor suggests an expert second opinion to ensure the best treatment plan, so Robbie turns to Included Health.

Primary Care Physician & Included Health

With a cancer diagnosis, Robbie suddenly faces new health challenges. MSK Direct connects Robbie to expert care from specialists at Memorial Sloan Kettering Cancer Center and provides logistical and emotional support every step of the way.

MSK Direct

Looking ahead to retirement, Robbie plans to enroll in the High Deductible Plan with HSA during Annual Enrollment to build tax-free savings for future health care costs. HSA funds are never forfeited and can be invested after reaching a $1,500 balance.

Health Savings Account (HSA)

Robbie’s health scare and a grandchild on the way reinforce how precious each day is. In order to spend more time with family next year, Robbie buys additional time off through Citi’s Vacation Purchase Program.

And More…

Robbie’s Story Doesn’t End There! What About Financial Health?

See more of Citi’s benefits in action:

  • Focus on financial health: Alight Financial Advisors, Short-Term Disability Insurance, Health Savings Account, Retirement Savings Plan and more.

How Can Citi’s Benefits Help You?

You may need different support for your physical health than Robbie. Find benefits for your needs or take a look at more stories showing Citi’s benefits in action to see if you relate to one of these situations, too:

Financial Health

When retirement is right around the corner, every financial decision becomes even more important. And if health issues arise, there’s even more reason to plan carefully. If you’re like Robbie, who’s approaching 60 and wondering — “Will I have enough money to cover my costs in retirement?” “What more can I do to save?” — Citi’s benefits are here to help.

Citi supports your financial security with benefits that provide income protection, long-term savings and professional guidance.

How Citi Is There for Robbie

Here are the benefits that support Robbie’s financial health:

Robbie was diagnosed with cancer and needs surgery as part of the recommended treatment plan. To allow Robbie time to recover without losing income, Citi provides company-paid STD benefits for up to 13 weeks.

Short-Term Disability (STD) Coverage

Since Robbie’s enrolled in the High Deductible Plan with HSA with spouse coverage, Citi contributes $1,000 annually to Robbie’s HSA. And Robbie’s own tax-free contributions build on this (including $1,000 in catch-up contributions for ages 55+)!*

Health Savings Account (HSA)

Robbie makes catch-up contributions (available after age 50) to save as much as possible for retirement. Citi’s matching contribution on the first 6% of eligible pay help boost Robbie’s balance, too!

Retirement Savings Plan

With retirement nearing, Robbie seeks professional financial assistance through the Alight Financial Advisors Professional Management Program. For a fee, Robbie’s accounts are proactively managed by investment experts.

Professional Financial Management

*HSA funds can be withdrawn tax-free at any time for eligible health care expenses. After age 65, HSA funds can also be withdrawn for non-health care expenses without an added penalty tax (ordinary income tax applies).

How Can Citi’s Benefits Help You?

You may need different support for your financial health than Robbie. Find benefits for your needs or take a look at more stories showing Citi’s benefits in action to see if you relate to one of these situations, too: