If I am no longer an Individual Provider, why do I have to wait to get my money?

The Plan is intended to help provide you with retirement income. Plan data indicates that many Individual Providers take a break and return to work within 24 months. That’s why if your account is $5,000 or more, even if you don’t continue a career in caregiving, the Trustees have made it a priority for your account to be available only at age 65 or later. If a participant’s account is less than $5,000 and the Individual Provider doesn’t work for 24 months, the data shows it is likely they won’t return to the profession, so the Plan distributes the funds so that they can consolidate their retirement savings. The good news is your money is still invested during the 24-month waiting period giving it an opportunity to grow. If you return to work with the same employer or a different employer that contributes to the Secure Retirement Plan within the 24-month waiting period, your contributions will automatically go into your existing account.