Becoming an Empty Nester

Get free, confidential support and resources for all of life's challenges, including adjusting to an empty house — even if you're not enrolled in the Comfort Systems USA medical plan.

You get five free sessions of in-person or virtual counseling for:

• Grief and loneliness
• Relationship and marital changes
• Anxiety, depression, stress, and more

Book now at GuidanceResources.com (web ID: CSUSA) or call 888-270-9025.

Need more support?

If you're enrolled in the Comfort Systems USA medical plan, therapy can continue through your medical provider or virtually in the comfort of your own home through MDLive® — no driving, waiting rooms, or time off needed.

Schedule at MDLive.com/bcbsil or call 888-676-4204.

With the kids out on their own, it's a great time to review your healthcare needs. If your child gets their own health plan, it counts as a qualifying life event, and you can update your coverage accordingly. When a covered child turns 26 (unless disabled), they're automatically removed from your plan, so it's important they explore their options and plan ahead.

Have fewer household expenses now? Consider increasing your HSA (Silver and Bronze plans only). It's a smart way to save more, reduce taxes, and invest in your future health. Now's the perfect time to finally book those check-ups, screenings, or appointments you've been putting off. Your health deserves the spotlight.

Now you're an empty nester, it's the perfect time to focus on building your financial future — and the Comfort Systems USA 401(k) Plan helps you do just that. It's a great time to boost your contributions, take full advantage of the 401(k) match, and utilize 401(k) planning tools to prepare for the next chapter.

• Company Match: 50¢ per $1 you contribute, up to 5% of your pay. That's 2.5% of free retirement money.
• Catch-Up Contributions: If you're age 50+, you can contribute more annually to accelerate your savings.
• Tax Options: Choose traditional pre-tax or Roth after-tax options based on your financial goals.
• Planning Tools: Access budgeting help and retirement planning through empowermyretirement.com.

An empty house means it's time to focus on your own goals. Lincoln WellnessPATH® helps you set financial priorities, track spending, and plan for what's next — whether it's travel, retirement, or long-overdue self-care.

The EAP is also here to support you with:

• Financial and Legal Services: Budgeting, estate planning, retirement, etc.
• Work-Life Balance: Referrals for travel planning, volunteer opportunities, caregiving resources, and career coaching if you're considering a new role, scaling back, or mentoring others.

With the kids grown, it’s time to reassess your coverage and make changes during your next annual enrollment:

• Life Insurance: Adjust if your financial obligations have changed — but keep enough to support a spouse or leave a legacy.
• Supplemental Benefits: Consider purchasing accident, critical illness, or hospital indemnity to bridge to Medicare.
• Disability and Other Policies: Drop what you no longer need.

Allstate Identity Protection plan helps safeguard your finances, retirement accounts, and personal data while you might be distracted by life transitions. The plan:

• Monitors credit and the dark web
• Protects social media and digital activity
• Includes $1M insurance and 24/7 support

Approaching Medicare eligibility? SmartConnect provides guidance through Medicare Transition Services to help you make a smooth transition. Whether you’re nearing age 65 or planning for retirement, you’ll receive support to understand:

• When and how to enroll in Medicare
• How your company benefits coordinate with Medicare
• Coverage comparisons and cost considerations
• Resources to avoid gaps in care or coverage