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Health Benefits Retired BillingNJ Division of Pensions andamp; Benefits

Health Benefits Retired BillingNJ Division of Pensions andamp; Benefits 2025

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The document outlines the provisions of Chapter 48, P.L. 1999, which allows eligible local employers in New Jersey to manage post-retirement medical costs for employees under the State Health Benefits Program (SHBP) and School Employees’ Health Benefits Program (SEHBP). It provides flexibility in defining employee eligibility for post-retirement medical benefits and negotiating payment obligations. The document includes instructions for adopting these provisions through a resolution, detailing necessary submissions and compliance requirements.

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Which is better, pension or retirement?

A pension plan is better for those who are interested in securing a fixed, stable income throughout their retirement. There is also less risk involved, as it is overseen by your company. Investors who want more control over their retirement plan, plus the tax breaks, might prefer a 401(k).

Is Social Security considered pension or retirement?

Social Security is an earned government benefit for seniors, people with disabilities and children who have lost a working parent. Working people contribute to Social Security with every paycheck. A pension is income you set aside while youre working so you will be able to get a monthly paycheck when you retire.

Is pension income the same as retirement income?

Pensions are a source of retirement income that are employer sponsored. Upon retirement, you can generally start receiving payouts from your pension. The amount of your pension depends on your age, salary, and the length of tenure with the employer sponsoring the pension.

Is retirement benefit the same as pension?

A pension plan is funded by the employer, while a 401(k) is funded by the employee. (Some employers will match a portion of your 401(k) contributions.) A 401(k) allows you control over your fund contributions, a pension plan does not.

What is the difference between pension and retirement benefits?

Because most workers receive health benefits from their employers, retirement often disrupts health insurance coverage. Some employers offer health insurance to retirees, but many firms are cutting re- tiree health benefits by passing more costs to retirees or eliminating benefits altogether. Few alternatives exist.