Retirement Planning and Education

Retiree Healthcare and Pension Seminars

Throughout the year, both ORNL Retirement Services and Pension & Savings departments host separate retiree healthcare and pension seminars to help employees plan for retirement. These seminars provide an overview of retiree medical (including Medicare), dental, and life insurance benefits as well as pension and 401(k) information. Attending both seminars allows you to ask questions and gain knowledge from others' questions as well. ORNL staff are also available after each seminar to answer personal questions.

Attending the pension and retiree healthcare seminars is highly recommended prior to starting the retirement process.

See ORNL Today for upcoming seminar presentations and below for slide decks for each presentation.

• Pre 4.1.2012 Understanding Pension and Savings Elections (pdf)
• Post 4.1.2012 Understanding Pension and Savings Elections (pdf)
• Retiree Healthcare Seminar Slides 2026 (pdf)

Retiree Benefits

ORNL provides retiree medical and life insurance for eligible employees who retire. This includes:

• Medical and Dental Coverage for You and Your Family
  • If retiring under age 65, you and your dependents may continue the same medical and dental coverage you had prior to retirement, if eligible.
  • If retiring at age 65 or over, you may enroll in the ORNL Medicare Supplement Program. Upon reaching age 65, your spouse may also be eligible to participate in the program.
  • Retiree premiums can be found at benefits.ornl.gov/retiree-benefits/
• Life Insurance Coverage
  • Salaried employees hired before 4/1/2012 and all ATLC Bargaining Unit employees may continue basic life insurance in retirement if they’ve had coverage for at least one year prior to retirement.
  • You may continue your full basic amount up to age 65 by paying a monthly premium or elect a paid-up amount at no further cost. At age 65 any full coverage is reduced to the paid-up amount, at no further cost.

For more information see the Retiree Summary Plan Description.

Prepare for Your Financial Future

As part of our benefits offerings, we partner with our service providers to assist employees in navigating their financial planning journey.

Our service providers offer a variety of resources, including onsite education sessions and webinars, designed to help you make informed decisions about your financial future. If you’re looking for on-demand education, you can log in to workplace.schwab.com and explore their Learning Center.

If you need personalized advice or additional support, here are several ways to connect with our service providers:

• Visit workplace.schwab.com under the “Advice” tab to schedule a phone consultation with a Schwab Representative.
• Utilize Morningstar Retirement Managers’ online tool for personalized retirement planning, located under the “Advice” tab on the Schwab website.
• Call 800-724-7526 to speak directly with a Schwab representative about your 401(k) Plan.

Additionally, you may contact one of the providers below for a one-time free consultation. Please note that fees may apply if you require further services: