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St. Clair College Avoids Layoffs Due to Retirements

St. Clair College approved a budget projecting a $5.5 million deficit. Staffing cuts are expected to affect teaching positions this fall. Approximately 37 faculty members are retiring this spring through a voluntary exit program. These retirements will help avoid full-time layoffs this year. However, future funding and enrollment remain significant concerns for the college.

https://www.am800cklw.com/news/st-clair-college-faculty-union-says-retirements-offset-layoffs-for-now-but-future-funding-remains-a-concern.html


Beware exxon alight they are not here to help you. Lump sum horror story.

I was asked to leave last year piped out before retirement eligibility. So I got my retirement payout information from alight. You are eligible to get retirement after 50 years of age. I was told I had to wait 90 days to get my lump sum payout. I was given the deadline of Feb 26th to submit my notarized paperwork. I sent it off on Feb 3rd and waited for a check. The check was supposed to come in March. I waited for two weeks into march and nothing. I called alight and they said it was late by one day and expired. They said they would send another packet to me. When I got the packet the lump sum was not available. I called alight again and they said I canceled the retirement in December of 2025 on the website. Alight said they sent an email to my exxonmobil.com email. I told them I never received the email because I did not have access to my work email. I am now fighting them to get my lump sum payout because I want to be done with this horrible company. I did not cancel my retirement and don't know if they are just sc--wing me around so they can save money by paying me over 20 years. If they don't allow my lump sum I will sue them as the amount is several hundred thousand dollars.


I was going to resign by end of May

If I didn’t get laid off I was going to leave by end of the fiscal year. It was all I could do to stay as long as I did after the Sept layoffs. The work just piled up with hardly anyone left to do it, but if I stayed long enough to be let go, the $ reward would be pretty nice. I was ecstatic to finally get the nod. My severance is maxed so I’ll be using it as a paid 6 month sabbatical while I get ready to retire. Hasta la vista Oracle and Aloha Larry.


It is official!!

NIKE is certified $40.00 stock.
Let's hope that it does not hit $30.00
Yesterday's news was so bad that seems like Wall Street got a surprise and they don't like surprises.
Seems like everyone is capitulating this stock and leaving with no support.
No one is valiant enough to step in and pull this Titanic from sinking.

There goes my 401k, I guess I will be a greeter in Walmart when I retire


One Year Away From Retirement

Well they got me yesterday. I was in the hospital January for a stroke, still recovering and one year away from retirement. The best they could muster was an email. I was the only person let go on my team and also the oldest at 66. The least they could’ve done was a face-to-face layoff but being the cowards they are they hid behind a computer somewhere. In all honesty, I hope they burn to the ground.


RETIREMENT: Need help from folks who are planning to retire or have recently retired

Hi All - I need help from folks who are planning to retire or that went through the retirement process. Here is a thread on Chevron's page, it's customized I hope we can put together something similar to help our folks as well: https://www.thelayoff.com/t/1kmrb08g5 or @OP+1kmrb08g5 "So, you've started thinking about RETIREMENT"

If you have time chime in with bits or pieces and, after a week or two I will consolidate everything into a long master post named "Exxon: Retirement Planning Considerations".

I am sure I am missing some key points but here is what comes to mind right now:

  1. Ret. eligibility details (thresholds, yrs, pts)
  2. Key milestone impcts (what changes materially)
  3. Equity / vesting rules (RSUs, timing)
  4. Bonus treatment after one leaves
  5. Pre-65 healthcare costs (monthly premiums, coverage)
  6. Post-65 healthcare reality (medcare, supplements, totals)
  7. Company contribution levels (amts, caps, trends)
  8. COBRA transition experience (costs, surprises)
  9. Retiree vs employee benefits (what gets better or worse)
  10. Out-of-pocket expectations (deductibles, exposure)
  11. Real monthly cost examples (individual??? family?)
  12. Financial planning lessons (mistakes, what mattered most to u)
  13. Longterm benefit risks (changes, reductions, uncertainty)
  14. Timeline considerations (when staying longer helps)
  15. Anything you wish known (critical hindsight insights)

Add what you can. Specific details are most useful.


So now that the contract is ratified here is what’s next and yes it’s not a great contract BUt

So let’s all just admit the extension is nothing great . our union leadership took what ever was offered after the company 2 times prior shut them down .So let me say I voted yes ,but I really am tired of the leadership in all locals patting themselves on the back .In the end they continued the scrw ing extension on the retirees and now the possibility of us retiring .The whole deal was Dan needed to settle to move to the next stage !!There will be major management layoffs and reorganizations .Then by end of year there will be basic Eisp offered to union associates probably across board .Anyone who wants out or can afford it will be allowed to leave .The final stage is yet to be determined but may include the separation break up of lines of business.After that if that happens the sky is the limit to be used sold off or spun off .One things for sure the contract extension is not the end but the beginning of the end for union and management in wha I would call the end days .So advise anyone with under 26 years or under 55 start looking for somewhere else to begin your career


So close to the finish line

I watched someone who was maybe two years away from retirement get pushed out, and something shifted in how I see this place. After decades of showing up every day, doing the work, being loyal, they couldn't let them finish out what he'd earned. If that's how they treat people at the end, what's the point of sticking around?


Retirement vs Resignation

I see many folks hanging around waiting for a severance package. I get that I mean a kicker to go would be ideal especially if you are retirement eligible and this is your last stop in your career. If you have another opportunity outside the phone factory that meets or exceeds current salary/bonus pay and you are not retirement eligible, yet. What do employees gain by achieving retirement eligibility? What would be at risk if you left payroll 3 years before becoming eligible for retirement?

Potential known risks:
3 years of Pension contributions (assuming eligible)
30% service discount
ability to participate in AT&T healthcare plans at your cost 100%

Are there any other meaningful "benefits" at risk by leaving before eligible?


So, you've started thinking about RETIREMENT

Here are few things to take in consideration. Bookmark this thread, you will need it. I hope others will chime in and cover things that I am missing but would be useful for ret. planning. Also, I might be off on a couple of things here, please correct me. Here we go:
1) “90 points” is a key milestone

  • It typically equals age + years of service
  • Hitting 90 generally qualifies you for full retirement status
  • You also typically need at least ~10 years of service to receive retiree benefits at all
  • Below that (for example 75 to 89), benefits may be reduced or prorated
  • Even small differences matter - dropping from 90 to 89 points can increase your share of healthcare costs

2) Stock and bonus implications matter

  • At 90 points, equity awards (RSUs, performance shares, SARs, etc.) often fully vest
  • You may also retain eligibility for bonuses issued after leaving payroll
  • Below that threshold, vesting may be partial or forfeited based on time worked
  • These equity outcomes can be a major part of total retirement value

3) Healthcare is still expensive even with company support

  • Pre-65: expect roughly several hundred dollars per month even with Chevron subsidies
  • Example shared: around $800/month for individual coverage after leaving employment
  • Post-65: total costs (Medicare + supplement + dental/vision) can reach ~$1,000/month for a couple
  • Chevron’s contribution is relatively small (around ~$100/month range)
  • Coverage quality is often considered strong, but you are paying significantly more than as an employee

4) Retiree benefits are weaker than employee benefits

  • You may keep access to similar plans, but the company pays a smaller share
  • Costs shift from “paycheck deduction” to direct out-of-pocket payments, which feels materially different
  • Contributions are sometimes prorated based on your “points” level
  • There is also risk that company contributions could drop further over time

5) Medicare is not “free”

  • You must pay Medicare Part B premiums
  • High earners pay extra through IRMAA surcharges
  • IRMAA (Income-Related Monthly Adjustment Amount) is an additional charge on Medicare premiums based on your income, which can significantly increase monthly costs for higher earners
  • You will likely also need a supplemental (gap) plan and possibly dental/vision

6) Long-term risk: benefits can shrink

  • Retiree medical contributions from Chevron have remained small and relatively flat over time
  • Some retirees reported large premium increases (for example ~80% over several years)
  • Benefits depend on company performance and policy - they are not guaranteed to improve
  • Planning should assume rising costs and limited company support

7) Financial planning is critical

  • Retirement income (Social Security, dividends, etc.) can push you into higher cost brackets for healthcare
  • You cannot rely on “appearing low income” to reduce costs if you have substantial assets or income streams
  • Many retirees bridge the gap to Medicare using savings or tax strategies
  • Healthcare becomes one of the largest and least predictable expenses in retirement

KF retiring instead of laid off

So when a high up is told to go they get a big package and “retire “. Gone is the DEI program. They’ve wanted to close it since Trump was elected. But these roles are very political so you can’t lay them off. For the rest of the team, ya’ll better get your resumes polished. Can I get retired? I’ll leave tomorrow and never speak of it again.


Transition versus Severance

I am in the transition category. I went through a roller coaster of emotions. I am exhausted. I know many feel the same. I feel in a way cheated being "offered" to transition to new company versus severance. For those who were laid off are you comfortable sharing what was offered for severance? I am in the US been with the company for 20 years. This su-ks all around for anyone impacted


What exactly happens if a someone does not take the Voluntary Retirement Program? Laid off anyway?

This happened to my team mbr. IIRC he was in his 70s. During the final meeting, he said he enjoyed the work and he literally said he wanted to work longer, but he got the hint from the VRP.

What would have happened if he didn't take VRP? Laid off anyway the next round?


Retiring

Over the past year, I have made dozens of posts on The Layoff with ways our company needs to improve. Even though there has been some progress, it is not enough. Disastrous decisions have caused me my retiree health care and froze my pension. I’ve been underpaid for years as many other employees have been. Meanwhile, an inept overpaid Board and high flying Executive VPs and RVPs have benefitted quite nicely. It’s ALL about them. It’s a well orchestrated Ponzi Scheme. I am sick of this place and it has made me ill. I wish all of you the best and in a few weeks it will be my last day after 20 plus years. Time to spend the end of days with my grandbabies and good riddance to Mutual of America.


The contract will pass doesn’t mean it’s a good one but the unions know the deal

Let’s face it we all know that one the unions didn’t do much of anything to get what was gonna end up being the offer in the end.Last year they were all about fighting to win things like caps on retirement medical ,but in the end the unions knew the environment they are in political wise along with on the company level work wise technology wise .Lets also face the fact they are concerned about the younger members who never been thru a strike along with making them go on strike for benefits they don’t have .So let’s all stop patting backs and just admit it’s was needs based decision .Call it like it is tired of Ibew and cwa pounding their chest about how great it is along with the problem isn’t Verizon it’s the country health care system.Lets be real the company said no way never gonna happen with retirees healthcare or pensions for younger guys take it or leave it .So the unions took it .Im okay with that but please wish the unions specially the CWA locals would just stop pounding their chests they rolled over a decade or more ago .Thats how we got to this point.So any of us thinking of retirement in next few years might as well forget that now .Also I’m okay with that but to the the unions just stop with posts please it’s making me sick every email and Facebook post


Pondering a post-IBM life

I’ve been at IBM since 2013. Since that time I’ve seen most of the coworkers I counted as friends get laid off. (Why do we have to say “RA” just because the terms “lay off” and “laid off” cause IBM heartburn?) Given my age and my tenure at IBM, I can’t help but feel a bullseye forming on my back. Still, I’m more at peace with this idea as time goes on. Much of that is because I have yet to talk to any former IBM employee who wishes they were still with Big Blue.


Free at Last!

It's so incredibly wonderful to have finally exited this dumpster fire of a once great company. The air is fresher, the birds are singing, the flowers smell sweeter. The level of TIAA senior management incompetence, hypocrisy and corruptibility is matched only by that of our nation's current White House administration. No more ridiculous 3 day in office pseudo collaboration. No more glowing annual reviews and high praise that at bonus time still never translate to anything higher than a middle of the pack rating. No more televised circus side shows featuring the queen bee and her inner circle of high paid enablers (Are You Ready to Rock Charlotte!?). Let's see now how everything plays out as I try to get my retirement funds out of the company. There's a lot of great people that I'll truly miss. And no small amount of individuals that I most definitely will not.


Salary buyouts are on the way

I have now heard this rumor enough to feel confident to repeat it.
Salary buy outs are on the way.
55+ and 30+ and you are a candidate.
Finance Barbie wants people off the books.
Her glasses are too dark but I like her.
She is fairly authentic.
But still not sure how they spread that 19.6 billion around.
Stellantis binned it all in one year and gave UAW ZERO!
I think we got lucky and next year will be a *
I personally will take my 9 or 12 months and hit the road.
Good riddance.
Saves me retiring with only one days notice.
You don't have to give any notice by law so you know.


If you were hired after 2008 then vote YES!!

The majority of people whining about this contract extension are the ones retiring in the next 4 years. They’ve taken everything away from you. Your pensions, your retiree healthcare, and your job security,

Now they want to take away what little you get with this extension for their own benefit. Your raises, your increased payment towards your medical in retirement, even more job security, your extra work that secures your place in the company, etc, etc. All of that because they have pay a little bit extra into their healthcare.

NO MORE!!

These old farts have ruined the union and are looking to make sure it stays ruined for their benefit. The majority of them have barely showed up for work since they started. They are parasites, abusers, and a cancer and their retirement will be our savior.

VOTE YES!!


Tomorrow is my last day

Do I regret taking voluntary retirement? No. Will this company regret hiring people who don’t know our industry, empowered to make decisions and ultimately destroying service all to save a buck? Absolutely. But after tomorrow it’s not something I need worry about.


FT: And now the end is near

Phone skills have been transferring back to FT. Website calls will move back on 03/23/2026. That leaves Retirement and Shareholder calls at FIS. After the filing deadline of 04/15/2026, those calls should move over, that date is not confirmed yet. How will that be announced? Will the remaining employees be given the date ahead of time or will the axe fall suddenly? Have no illusions, plan accordingly.


ESPP and retirement income

Anyone else kicking themselves for not selling EOY 2024? I invested 6% since working here and lost half. Now with the lesser match w/401k, I plan on pulling the plug once (if it does) hit 400 on ESPP. I can't imagine how people close to retiring feel about this.
I wanted to retire by 55 - and lived like a pauper to invest extra money. Really sad when the CEO's cash out making bank.


Does This Proposed Agreement Protect Retirees From Financial Ruin?

I have a concern regarding the tentative agreement in the Northeast.
I realize we paid a heavy price in 1989 and, as a result of that sacrifice, were able to keep essentially cost-free medical benefits for the next two-and-a-half decades.
However, uncertain economic times in 2016 resulted in us, fairly or not, shouldering more of the burden, not only the men and women that had 20, 25, 30, 35... years on the job under their belt already, but also the retirees now had to unexpectedly pony up and adjust to this new and unexpected financial burden on a fixed income based on earlier reasonable expectations and assumptions, if I understand correctly.
I am now hearing murmurings about about retiree healthcare skyrocketing, from, say, $60 a month to 10X that amount, $600 a month, for example. I hope these rumors are wrong and that I am needlessly worrying about something that will never come to be.
Are there any guarantees built into this new tentative agreement that shield both our current retirees, as well as those that will eventually be joining their ranks, from the future uncertainty of exorbitant increases that will make affordability a larger hurdle, if not an impossibility, for the elderly who served their union and their company well?


Anyone volunteer for a layoff?

Has anyone had any success "volunteering" for a layoff, knowing that layoffs are being planned? I'm so close to retirement that I would welcome being laid off, plus doing so would likely save someone else on my team from being laid off. If we can be fairly confident that layoffs are being planned, would it make sense to let your boss or higher up leadership know that you'd be open to a layoff package? Has anyone successfully done this recently?


What more than three decades taught me

I put in thirty six years and walked away at sixty five. That was enough for any person. Since leaving I've stayed as far from corporate anything as I can manage. Meetings, performance reviews, office politics. Don't miss any of it. I'll say this though. The financial piece worked out. I'm comfortable and that's because I stayed. So I give them that. Everything else I'm happy to leave behind. Including the cars. I have zero desire to buy another Ford ever again.