Your benefits are built to support your health, wealth, and self — with care for the whole you. Whether you’re just getting started, ready to save a little more, or checking that your account details are up to date, LCMC Health and Fidelity have resources to help.
Use this resource to take one small financial wellness step today.
Start with your retirement plan
Your LCMC Health retirement plan is built to make saving feel a little easier — with payroll deductions, flexible contribution options, and support from Fidelity when you want help deciding what’s next.
You can enroll after receiving your first paycheck, and you can contribute up to 75% of your eligible pay, up to IRS limits. Depending on your plan, you may be able to save on a pre-tax basis, a Roth after-tax basis, or both.
What to know:
- Pre-tax contributions can lower your taxable income today, and you'll pay taxes when you withdraw the money in retirement.
- Roth contributions are made after taxes are taken out of your paycheck, and qualified withdrawals in retirement, including earnings, can be tax-free.
Make the most of what's available to you:
- LCMC Health matches 50% of your contributions, up to 4% of your pay, and contributes an additional 2% of your pay each year.
- Increasing your contribution can help you make the most of the match and build your savings over time.
- You are always 100% vested in your own contributions. For the LCMC Health 403(b) Plan, LCMC Health contributions vest after 3 years of eligible service.
Need help getting started?
You can enroll online at netbenefits.com/LCMC, call Fidelity at 877-895-5986, or text START to 343-898.
5-minute checkup:
- Enroll or review your retirement account at netbenefits.com/LCMC.
- Check your current contribution rate.
- Decide whether pre-tax, Roth, or a mix of both makes sense for you.
- Consider the Annual Increase Program, which lets you automatically increase your contribution rate each year.
- Schedule a Fidelity appointment if you need help.
Pre-tax vs. Roth: What's the difference?
Pre-tax may be helpful if you want tax savings today. Roth may be helpful if you want tax-free income later. Many employees choose a mix of both for flexibility in retirement.
Got a pay increase? Make it a savings moment.
When your pay changes, it’s a good time to review how much you’re saving. Even a small increase can help your retirement savings grow over time. Think of it like building a rhythm: every contribution adds to the beat, and over time, the momentum can build. It’s one small way to give future you a little extra care.
5-minute checkup:
- Consider increasing your contribution at netbenefits.com/LCMC.
- Schedule a Fidelity appointment if you need additional guidance.
Get guidance from Fidelity.
Fidelity provides online tools, phone support, appointments, and access to a licensed representative dedicated to LCMC Health employees.
5-minute checkup:
- Schedule virtual, phone, or in-person appointments. Go to www.fidelity.com/schedule and choose “Schedule a time to meet.”
- Check onsite and virtual events. Enter “LCMC Health” in the employer search.
Have an FSA? We're making reimbursements easier.
If you have a Flexible Spending Account, you can now use direct deposit for reimbursements. Taking a few minutes to set it up now can save you time later — and help make sure eligible reimbursements go straight to your bank account without extra hassle.
5-minute checkup:
- Add or change your banking information for reimbursements using the direct deposit form.
Don't forget your beneficiaries.
Life changes. Your beneficiary information should keep up. Take a few minutes to confirm who is listed for your retirement plan and life insurance benefits.
5-minute checkup:
- Retirement plan beneficiaries: Update with Fidelity at netbenefits.com/LCMC.
- Life insurance and supplemental life insurance beneficiaries: Confirm in Workday.