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How much do CWA retire health benefits cost??

Anyone know the answer?? When you call HR they are useless. Apparently its a formula but no one knows anything. I’ve seriously had it with this Company. I will fight right be side my union brothers and sisters if theres no contract but I really need to leave this toxic environment. Im only 51 not eligible for medicare so I would like to know what the out of pocket expense is. I literally had one HR rep tell me 27-34k per year theres no way thats true. And my union reps are useless too.


Team Member Checking question

Hello, Does a Team Member Checking stay a Team Member Checking through the 60 day Non working employee period? Is it possible it could stay a Team Member Checking for the other 12 months of severance when the 60 days expires? BTW, Wells Fargo has excellent service for check ordering. I was worried with the Ice and bad weather it may take more than 10-14 days for my checks to arrive. I received them today. Thank you Wells Fargo and your check supplier.


Read this if you’re a client or employee

Jones has a proud legacy…100+ years of being a truly client and associate oriented firm. As an associate of this firm who has also had extensive experience outside of the firm, I can confidently say THESE DAYS ARE OVER, and I highly recommend reconsidering your affiliation with this firm.

What happened? It’s not a unique story to EJ, but the downfall has been swift and it’s rooted in one phrase: Failed Leadership.

Back when Penny was appointed Managing Partner in ‘19, the MP talent bench was already weak to begin with - she and Ken C were the only viable choices the firm had internally and there was no appetite to go outside. If I had to chose from that lineup, I would have taken Penny any day and twice on Sunday - as Ken C has no business leading a function, let alone the entire firm.

On its face, the choice of Penny wasn’t entirely terrible - she is intellectual, well spoken, been an advisor, broad based in the firm’s business - and the first female MP. And she dresses to impress, of course!

But Penny’s weakness was on full display in her track record - picking talent around her. This would be a knockout gap for a CEO candidate in any company, let alone one leading a business transformation.

Over the next 5 years, this gap became amplified in a massive way:

She kept inept legacy leaders in key roles - Ken C, Lisa D and KJ among them - allowing them pull her into their own ineptitude. She promoted truly horrible talent like Andy M, Suzan M who are small time at best. And she hired some outside talent like Hasan and David C that while intellectually strong, were “scratch and dent” leaders in their prior companies - deemed not promotable because of narcissistic or egotistical behavior. And that says a LOT at places like Citi or Goldman.

Bad leadership ki-ls companies. If you are a client, consider the decisions being made affecting you and your money:

  • Raising fees you are paying to line the pockets of greedy executives
  • Sending your personal information overseas as part of outsourcing projects to drive higher profits
  • Treating employees and branch teams who handle your money and services like they are second class citizens - including not paying market wages.
  • Technology that doesn’t work half the time and that your branch teams are helpless to fix

If you’re an associate, you feel the impact of this leadership everyday - the visceral disdain ELT members demonstrate for you as associates. You’ve heard it directly from David C’s mouth in town halls - but it’s even more evident in action: Pathetic wages/benefits; targeting firings of anyone who dares to challenge; promotions for toxic but loyal leaders; poor quality front line managers. The disdain is so strong that some say it feels like ELT places the blame for their own failures on the backs of associates. The paradigm is that associates are entitled, overpaid and underworked.

The company is not bankrupt financially, but I can assure you that it is from a leadership perspective. Rest assured one will blend with another over time.

I sincerely hope if you are a client or an employee that you reconsider your affiliation with Edward Jones - for your own good.


401k match reduced

It looks like the rumors were true. Employee match on retirement was reduced to 3.5%. That flew right under the radar.

Minimal/no raises or bonuses. Employee match ~50% of what other large companies offer. RTO wasted time and expense for no reason. No major benefits. Even OnePass has become outrageously expensive. From a FORTUNE 3 company. Absolutely disgusted.


Cigna 401k

At this rate, I will not be surprised if Cigna starts taking away some perks like 401k match.

Cigna might start reducing match %, freeze 401k program for sometime or even completely remove 401k benefit to force people to quit.


What do I do with my adi club points?

Not with the company anymore, I have tons of adi club points and obviously prefer not to spend money I don't make anymore (especially for adi stuff).

Is there anyway I can get rid of them for some value, other than whatever is currently offered (sorry I found these offers to be so useless). Has anyone figure out a way to trade them or exchange them for actual products or monetary value of any kind?

Thank you. I hope everyone in this situation is hanging on. Take care.


QLE (life changing events) for insurance

Belk’s corporate h.r has given 100% inaccurate information about adding my husband to insurance based on a life changing event. If you rely on medical insurance from Belk you may have to consult an attorney for accurate information. Belk’s corporate Human Resources is astonishingly uniformed, uneducated and incompetent.


Vz 401K

FYI if u have Verizon stock in your 401k and choose to select cash instead of dividend reinvestment it gets treated as regular income when the dividend pays.

Just like this coming Monday.

Even though it’s coming from the 401k.

No penalty and depending how much stock you have can add up.

Just saying


At least…

At least there was severance provided. So many employees this year got fired for cause (so no benefits no severance not eligible for unemployment). Does the company su-k for this? Certainly. Will they repost our same jobs for 80% less in 6 months. 💯. Take your severance and run. This bank is a sinking ship.


Watch your 401-K Match

If you have been recently laid off or left on your own, double check your vesting amount especially if you Rollover your account. I was fully vested as I had been with TD a long time past the vesting requirement before I left. I received an email in December telling me I needed to rollover my account or make an election by a certain time period or my account would be closed and I would basically receive a check for the balance. I rolled it, but then I was missing a large sum of money which was the match portion as if I wasn’t vested. I called Fidelity and they agreed I had been vested for awhile and they reached out to TD to refund me. I’m still waiting on my money and following up. I’m hoping I’m just a clerical error, but I just wanted to throw a heads up in case I’m not.


Humana 2026 Analysis Summary

Humana 2026 Outlook: Financials, Retention, and Compensation
Company Health & Financials

As of January 2026, Humana is in a "rehab" mode, focusing on a transition from aggressive expansion to profit-focused stability.

• Margins: Targeting a move from 1% to 2% pre-tax margins in Medicare Advantage.

• Market Adjustments: Exited 13 Medicare Advantage markets and 198 counties, impacting approximately 500,000 to 560,000 members.

• Star Ratings: A current headwind, with only 20% of members in 4-star plans or higher, though recovery is expected by 2027.

Employee Retention

• General Sentiment: Humana remains in the top 25% of large companies for retention, though RTO mandates are causing friction.

• Workforce Changes: Implementation of limited layoffs and voluntary early retirement packages to "right-size" the organization.

• CenterWell: Clinical staff show high mission-based satisfaction but report challenges with work-life balance.

RTO, Compensation, and Bonuses

• Return-to-Office (RTO): A 3-day in-office requirement for most corporate roles is leading to turnover in remote-heavy departments like Tech and Admin.

• Compensation: Annual merit increases are averaging 3.0% to 3.2%. "Skill-based pay" offers higher premiums (4-5%) for AI, Actuarial, and Clinical Management roles.

• Bonuses: Performance-Based Incentives (PBI) are now heavily tied to the company's 2% operating margin target and Star Rating recovery.

• Benefits: 2026 updates include eliminated copays for in-network mental health, modular benefit options (e.g., trading perks for HSA contributions), and an emergency savings match program.


Today I got a bill for supplemental life insurance

I got a bill in todays mail from Vz Benefits for $600 (for spouse and dependent supplemental life) requesting payment. I checked the Vz RIF FAQ doc on this and it reads "you may also continue supplemental and dependent coverage...." but I never elected to continue this coverage once I was RIFd. I suspect some of you will also receive such a bill.