For example, Mr. and Mrs. Smith can each give that amount to their son Jack and to his wife, effectively giving the couple up to $56,000 a year, tax free (at the 2017 rate). They may include: • Age-related withdrawals • Withdrawals associated with recognized hardship events • Standard withdrawals • Withdrawals associated with termination from employment. Voya’s insurance obligations will be determined solely by the terms of the insurance policies it issues and Voya assumes no responsibility or liability for any other communications to employees made by Policyholder or a third-party service provider. About 1.4 million people — or 5.7% of the participants in 401(k) and 403(b) plans administered by Fidelity Investments — took advantage of these types of withdrawals through Nov. 30. Access to the Voya Sites may be limited or unavailable during periods of peak demand, systems upgrading, maintenance or other reasons. We occasionally update these Terms based on changes to the Voya Sites or other factors. In addition, we may collect Social Security numbers, driver’s license or government-issued identification numbers, dates of birth, gender, health information, banking information, assets, and income, for you and your joint owners and beneficiaries, and other types of demographic and personal financial information when you provide such information on applications or forms or while using our online services and where we believe such information is reasonably required for ordinary business purposes. Technically, when you shift funds that were in a 401(k) or IRA by receiving a check that you then deposit into … You should routinely scan your system and downloaded files for such disabling devices. About 1.4 million people — or 5.7% of the participants in 401(k) and 403(b) plans administered by Fidelity Investments — took advantage of these types of withdrawals through Nov. 30. In addition, you are not authorized to make use of Voya’s Marks as metatags. Cookies do not cause damage to your computer systems or files. Our privacy notices apply to text message campaigns. Stunt the growth of your retirement funds and impact your ability to retire. In most cases, loans are an option only for active employees. As part of myVoya Services, Voya may provide access to, or certain information regarding, accounts you hold with any of the Voya family of companies and with Pershing, LLC, as account custodian for certain accounts you may hold with Voya Financial Advisors, Inc. Please choose from each gross up options below: The account aggregation function will access the website maintained by each third-party financial institution for each outside account designated for aggregation in order to retrieve and store the account information within the outside account. For example, if your stated withdrawal need was $1,000 and you elected to have 20% withheld for federal taxes, the $1,000 pre-tax withdrawal amount could be increased to $1,250, so that 20% ($250) could be withheld, leaving you with a net check amount of $1,000. The Voya 401(k) Savings Plan (the “Plan”) (formerly the ING U.S. Savings Plan and ESOP) allows you to save from 1% to 50% of your earnings (subject to limits imposed by the Internal Revenue Code (“Code”). In no event shall Voya’s total liability to you for damages, losses and causes of action of any kind — whether in contract, tort (including, but not limited to, negligence), strict liability or otherwise — exceed the amount paid by you, if any, for accessing the Voya Sites. You will have to pay a 10% early withdrawal penalty if you make withdrawals before age 59½ unless an IRS exception applies. People do this for many reasons, including: Unexpected medical expenses or treatments that are not covered by insurance. Your password should not be shared. Enter username and password to access your secure Voya Financial account for retirement, insurance and investments. No warranty or representation is made that the Voya Sites or any part or function, including without limitation any transactional function, will be available and not subject to interruption at any time. Your use of the reCAPTCHA is subject to the. Employee Benefits Online Services Agreement, Voya Financial Advisors, Inc., SMS/text message terms and conditions, Proprietary information, trademarks, links and submissions, Legal disclaimers/Limitation on liability and damages, Voya Financial Advisors Privacy Notice (PDF), Supplemental State-Specific Privacy Notice, Networkadvertising.org (opens new window), opt out of Google Analytics cookies (opens new window). Your financial advisor controls the frequency and content of the text messages you may receive pursuant to this program. Single log-in. Follow the instructions on the screen to submit your request. If you elect to receive Retirement Account Notifications via text message, we will periodically send recurring text messages about features or services available within your account or recommended actions, such as the status of a loan or a withdrawal request: Voya Financial Advisors, Inc. (VFA), permits its financial advisors to communicate with you through a registered text messaging service, subject to the terms and conditions herein. If you elect to receive Retirement Transaction Alerts via text message, we will periodically send recurring text messages about your transaction status, including request confirmations, task reminders, important updates and final confirmations. The withdrawal can be taken as a (1) lump sum distribution, cash paid directly to you or shares issued in a Publix stock certificate or (2) direct rollover, rolled over to an IRA, another employer’s plan, annuity contract described in Code Section 403(b) or governmental Code Section 457 plan. Review the Voya Privacy Notices. Start by determining your annual withdrawal rate. 4. We may also collect information about you from additional online and offline sources, including commercially available third-party sources such as credit reporting agencies. Any offer of products or services may be subject to eligibility criteria, including (but not limited to) accredited investor status for certain investment products. By enrolling in a Voya text message campaign you agree to receive text messages to your mobile phone, including those sent using an automated dialing system. In order to protect your personal information, we automatically log you out of your account after a certain period of inactivity. Forward-looking statements include statements relating to future developments in our business or expectations for Voya’s future financial performance and any statement not involving a historical fact. Voya is not required to treat any Submissions as confidential, but any personally identifiable information that you submit through the Voya Site will be handled in accordance with the applicable Voya Privacy Notice and, as applicable, the Supplemental State-Specific Privacy Notice. 401(k) hardship withdrawal recap Remove funds from your 401(k) and you may be subject to tax penalties. Transactions are protected by your individual password. Factors that may cause actual results to differ from those in any forward-looking statement also include those described in Voya’s periodic and other filings with the Securities and Exchange Commission. Voya reserves the right to view, monitor, and record any and all use of the Voya Sites in its discretion. 401(k) loans: The challenge is to manage your money so you have enough to last throughout retirement. You should not rely solely upon this information in making any decisions, including any decision to buy a product or service from a Voya company. The qualification process You’re looking for emergency funds and think a 401(k) hardship withdrawal is the next step. Unlike borrowing money from your retirement plan, a hardship withdrawal is just that: a permanent withdrawal from your retirement plan that you don’t pay back. All personal information collected through the Voya Sites will be used and disclosed in accordance with the applicable Voya Privacy Notice and (as applicable) the Supplemental State-Specific Privacy Notice. 1. Stunt the growth of your retirement funds and impact your ability to retire. What are the rules for 401 (k) withdrawals? Policyholder agrees to abide by all obligations under this Agreement. In the event you need a cancelled draft, Voya Financial should be contacted and a copy of the actual draft will be forwarded at the fee previously disclosed. Voya is not responsible for any data inaccurately provided by Policyholder or a third-party service provider, nor for any data lost or delayed due to power outage, delay in operation or transmission, computer virus, communication line failure, or for theft, alteration, or destruction of records by unauthorized persons. We may combine this information with the personal information we have collected from you under these terms. In accordance with the regulations governing the availability of hardship withdrawals, you may request a Hardship Withdrawal from your Plan account (excluding Savings. This information is processed passively by your browser as you surf through the Voya Sites. It works on an individual level, too. Please read the Terms carefully before using the Voya Sites. You will provide this information through such function and process as our technology vendors may determine from time to time. Contact us for more information. If you become aware of any loss, theft or unauthorized use of your UserID, PIN/password, account or device you use for multi-factor authentication, Social Security number or account number, immediately notify the appropriate Voya company. It means that you are experiencing extreme financial need that can only be satisfied by a distribution from your retirement plan. Voya accepts no responsibility for the content, products or services provided at these Third-Party Sites. We do not knowingly gather or solicit data from children under thirteen (13) years of age through the Voya Sites for marketing or other purposes. This summary highlights the components of the Act involving retirement plans. You hereby grant to Voya via a royalty-free, perpetual, non-exclusive, irrevocable, worldwide, right and license to use, adapt, reproduce, modify, disseminate, publicly display, incorporate into other works or otherwise exploit all content, remarks, suggestions, ideas, graphics, or other information submitted through the Voya Sites (collectively, “Submissions”). In exchange for that tax break, however, the IRS wants you to leave that money alone until you reach 59 1/2. For example, if you took out $10,000, you’d actually lose $1,000 to the penalty. Policyholder agrees to operate in accordance with administrative manuals provided by ReliaStar Life Insurance Company, Inc. (“Voya”), and other reasonable Voya administrative guidelines. The Terms also include some important disclosures and information related to certain products and services. You may not modify, reproduce, copy, distribute, transmit, display, publish, download or upload, sell, license, create derivative works of or use any aspect of the Content for commercial or public purposes or for any other purpose not expressly permitted by these Terms. However, we make no warranty or representation that the information on the Voya Sites is complete, accurate, up-to-date or error-free, or that known defects will be corrected. Actual results, performance or events may differ materially from those in any such statements due to, among other factors, (i) general economic conditions, including in particular economic conditions in Voya’s core markets, (ii) performance of financial markets, including emerging markets, (iii) the frequency and severity of insured loss events, (iv) mortality and morbidity levels and trends, (v) persistency and lapse levels, (vi) interest rates, (vii) currency exchange rates, (viii) general competitive factors, (ix) changes in laws and regulations, and (x) changes in the policies of governments and/or regulatory authorities. The 401(k) Plan also offers access to investment advisory services through Voya Retirement Advisors (VRA), powered by Financial Engines. Celebrate Black History Month 2021 with Voya. With your finances sorted out, you can fully enjoy your new lifestyle. This information may also be shared with third parties on an aggregate basis. The Voya Sites are not intended to market any products or services to children under thirteen (13) years of age. 401(k) plans must, by law, limit the circumstances under which plan money can be withdrawn by active employees. To request prospectuses containing more complete information regarding registered products in your jurisdiction, including charges and expenses, please contact the appropriate Voya company identified on the Voya Site or its representative. Voya intends to provide accurate and up-to-date content on the Voya Sites. For decades, you’ve stashed away part of your hard-earned paycheck so you could have a good retirement. Financial institutions may change their websites from time to time and as a result an outside account that was available may cease to be available through myVoya. Please note that the communication preferences in myVoya apply only to marketing and educational emails and will not affect emails related to your Voya account(s). Similar to prior disaster relief, the distributions may be repaid over a three-year period. January 1, 2017 SavingsPLUS Match Contribution For Plan years beginning on or after January 1, 2023 the matching percentage of a Participant’s pre-tax or Roth 401(k) contributions will be calculated based on 50% SavingsPLUS match on up to 6% of Eligible Compensation, regardless of the Participant’s Employer Company (except You may opt-out of receiving future text messages by replying STOP at any time. Moving Your Money. Once you’ve retired and the paychecks have stopped, your financial focus should shift from building that nest egg to creating monthly income from your savings. Voya does not undertake any obligation to correct or update any forward-looking statements on the Voya Sites. Do not communicate with your financial advisor via text message if you have not received this opt-in text message and replied “YES.” You may opt out of receiving text messages from your financial advisor at any time. Certain services offered on the Voya Sites do provide a secure means to communicate with us; this is indicated by an icon that appears on your screen when you are using such a service. Keep in mind that with tax-deferred retirement accounts, required minimum distributions kick in once you’re 70½. You can view the Voya Privacy Notices here. Voya may also provide optional linking or account aggregation functionality that allows you to view, in a single location on the myVoya site or by linking from the myVoya site, consolidated financial information from such accounts that you maintain at various third-party financial institutions that you may designate. Any cause of action you may have arising out of or related to your use of the Voya Sites must be commenced within one (1) year after the cause of action arises. So kick back and catch up on all the movies you wanted to see and the books you never had time to read. Voya does not independently verify the information provided by third parties, does not guarantee the accuracy, completeness, timeliness or correct sequencing of such information, and assumes no responsibility for Content displayed on the Voya Site that may be provided by another party. You represent and warrant that you are not located in, under the control of, or a national resident of any such country or on any such list. For each outside account designated for aggregation, you represent and warrant that (1) you are the legal owner of the account; (2) you have the right to disclose your login credentials for such outside account; and (3) you have the right to grant the foregoing authorization. While Voya may use reasonable precautions to protect confidential information and provide suitable security, we cannot guarantee that information transmitted through the Internet is secure, or that such transmissions will be free from delay, interruption, interception or error. For each available outside account that you desire to aggregate on the myVoya site, you must provide the necessary login credentials to access the outside account such as username and password. Note: Please refer to the Rollover Explanation For Qualified Plans and 403(b) Plans - Special Tax Notice Regarding Plan Payments for rollover rules. The laws of each country, state, or territory may differ and not all products and services are available in all locations. Neither Voya nor its technology vendors are responsible for any acts, errors, or omissions by the financial institutions at which you maintain an outside account, or for the accuracy of the information provided by such institutions. You can speak with a VRA Investment Advisor Representative by calling 1-844-DVA-401k.† Benefits Portal at VillageVitality.DaVita.com or https://DaVita401k.voya.com Where required, Policyholder shall use best efforts to maintain and transmit accurate data to Voya, and update such information on a regular basis. For example, cookies allow you to easily log into the Voya Sites by remembering your email address. We may use such information for any purpose, including without limitation to enhance website security, detect broad demographic trends, provide content tailored to your interests, and otherwise enhance your experience on the Voya Sites. reCAPTCHA works by collecting hardware and software information, such as device and application data and the results of integrity checks, and sending that data to Google for analysis. "If you leave your 401(k) at each job, it gets really tough trying to keep track of all of that. Serco Inc. 401(k) Retirement Plan Session Timeout. Voya does not represent that the information in the Voya Sites is appropriate or available for use in other locations, and access from certain locations may be strictly prohibited. To the extent any of the information collected by Google Analytics constitutes your personal information, this information will be used and disclosed in accordance with the applicable, We have also implemented reCAPTCHA on certain Voya Sites. Any updates made to the Terms go into effect once they are posted — and by using the Voya Sites, you are agreeing to the Terms. Read each prospectus carefully before you invest or send money. The withdrawal options available to you are defined by your retirement plan. The qualification process You’re looking for emergency funds and think a 401(k) hardship withdrawal is the next step. AllianceBernstein 401(k) Plan Session Timeout. Because the Terms cover multiple Voya sites, some of the terms may only apply to specific websites or applications. Please be aware that although passwords or other security protections may be in use, Voya reserves the right to monitor any and all transmissions, stored messages and routine backup copies of communications to ensure appropriate system usage. By registering for myVoya or otherwise utilizing the myVoya Services, you authorize Voya to use and disclose your account data for the purposes of authenticating your identity and providing the myVoya Services. 401 (k) hardship withdrawal recap. If you wish to do so, click on unsubscribe at the bottom of the communication you wish to opt out of. If any provision of these terms is deemed unlawful, void or for any reason unenforceable, then that provision will be deemed severed from these terms and will not affect the validity and enforceability of the remaining provisions. The 401(k), the 403(b) and the 457 plans are similar — your employer offers the one designed for your type of organization. When using the Voya Sites to execute transactions, problems may occur that are beyond Voya’s ability to correct. 401(k) hardship withdrawal recap Remove funds from your 401(k) and you may be subject to tax penalties. You are responsible for the entire cost of all servicing, repair or correction of your property or operations, including without limitation your computer, network, software or any device, required as a result of or related to using the Voya Sites. When you visit the Voya Sites we may collect demographic data, such as your date of birth, gender, ZIP code, and other information that by itself does not constitute personal information. By using the Voya Sites, you represent that you are not under thirteen (13) years of age. Policyholder agrees that specific eligibility event date information available through the electronic processes used by policyholder or its third-party service provider, will be transmitted to Voya as soon as the information becomes available. Certain gifts to individuals can provide tax breaks. However, retirement savers will still owe income tax on withdrawals from traditional 401(k)s and IRAs. The Voya family of companies (referred to herein collectively as “Voya”) is owned by Voya Financial, Inc. (NYSE: VOYA), and includes the following: ReliaStar Life Insurance Company; ReliaStar Life Insurance Company of New York; Security Life Assignment Corporation; Voya Alternative Asset Management LLC; Voya Benefits Company, LLC; Voya Capital, LLC; Voya Financial, Inc.; Voya Financial Advisors, Inc.; Voya Financial Partners, LLC; Voya Funds Services, LLC; Voya Institutional Plan Services, LLC; Voya Institutional Trust Company; Voya Investment Management LLC; Voya Investment Management Co. LLC; Voya Investments, LLC; Voya Investments Distributor, LLC; Voya Investment Trust Co.; Voya Retirement Advisors, LLC; Voya Retirement Insurance and Annuity Company.
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