Sources of Your Total Retirement Income - Trinity Health Retirement ...

For Associates of Loyola University Medical Center
When combined with your personal savings, the Trinity Health Retirement Program provides the tools you need for a
financially secure retirement. These tools include the Trinity Health Defined Benefit Cash Balance Plan for benefits earned
after January 1, 2013, associate contributions to the Trinity Health 403(b) Retirement Savings Plan discretionary employer
matching contributions to the Trinity Health 403(b) Retirement Savings Plan and Social Security. By taking advantage of all
these tools, both you and Trinity Health work together to help financially secure your future.
Retirement income is the amount of income you will need when you retire in order to maintain your current lifestyle.
Retirement experts estimate this amount to be approximately 80 percent of your final salary. So, how do you ensure that you
have an adequate retirement income when you retire You start by taking advantage of all your income sources, including
the Trinity Health Retirement Program, to create balanced income sources during retirement.
Sources of Your Total Retirement Income
Income sources provided by
Trinity Health/Loyola
Income sources provided by
Associates
Loyola University Medical Center
Employees’ Retirement Plan (LUMCERP)
Benefits earned through December 31, 2012
Social Security
Funded by
contributions from
Trinity Health and
associates
Trinity Health 403(b) Retirement Savings
Plan Pre-Tax Contributions
Trinity Health Cash Balance Pension Plan
(Cash Balance Pension Plan)
Benefits earned beginning January 1, 2013
Pay credits
Interest credits
Transition pension credit*
Other Personal Savings
(e.g., CDs, mutual funds, bank accounts,
IRAs, real estate, etc.)
Trinity Health 403(b) Retirement Savings
Plan – Discretionary Employer Matching
Contribution
Effective January 1, 2013, the 403(b) Plan
Match is suspended
*To be eligible for the transition pension benefit, you need to be
actively earning benefits under the LUMCERP on December
31, 2012, vested in the LUMCERP as of December 31, 2012,
and have 60 or more points (age plus benefit service under the
LUMCERP) as of December 31, 2012.

Important Information Regarding Associate and Employer Contributions Made To The
Trinity Health 403(b) Retirement Savings Plan
ASSOCIATE CONTRIBUTIONS TO THE TRINITY HEALTH 403(B) RETIREMENT SAVINGS PLAN
Pre-Tax Contributions
Eligibility – If you were hired prior to January 1, 2013, you may begin contributing to Trinity Health 403(b) Retirement Savings Plan
effective January 1, 2013. If you were hired after January 1, 2013, you may begin contributing to the Trinity Health 403(b) Retirement
Savings Plan on your date of hire.
Amount of Contribution – You may make pre-tax contributions of up to 75% of eligible Plan compensation up to the IRS dollar limit of
$17,500 for 2013. If you are age 50 or older or have 15 or more years of service with an employer who offered a qualified 403(b) Plan,
you may be eligible to make an additional catch-up contribution. Please refer to the Summary Plan Description or contact your local
Diversified Retirement Planning Consultant for more information.
Vesting – You are always 100% vested in your pre-tax contributions.
Investing the Contribution – You decide how your pre-tax contributions will be invested, choosing from investment options provided
under the Trinity Health 403(b) Retirement Savings Plan.
EMPLOYER CONTRIBUTIONS TO THE TRINITY HEALTH 403(B) RETIREMENT SAVINGS PLAN
Discretionary Employer Matching Contribution
Eligibility – Except to the extent the discretionary employer matching contributions to the 403(b) Retirement Savings Plan are required
under the terms of a collective bargaining agreement or other approved exception, the discretionary employer matching contributions to
the 403(b) Retirement Savings Plan have been suspended effective January 1, 2013. As a result, unless required by a collective
bargaining agreement or other approved exception, no discretionary employer matching contributions will be made to the 403(b)
Retirement Savings Plan.
For more information related to the suspension of the discretionary employer matching contributions, please refer to the Associate
Announcement Regarding Retirement Program communication located within the Participant Communications section on the home page
of the Trinity Health Retirement Program website at https://retirementprogram.trinity-helath.org, or contact your local Diversified
Retirement Planning Consultant.
Vesting – Discretionary employer matching contributions are subject to the following vesting schedule:
Less than 3 years of service – 0% vested;
3 years of service or more - 100% vested
Investing the Contribution – You decide how your discretionary employer matching contributions will be invested, choosing from
investment options provided under the Trinity Health 403(b) Retirement Savings Plan.
If there is a conflict between any of the information detailed above and the terms of the applicable Plan documents, the Plan documents
will govern. For more information regarding the Trinity Health 403(b) Retirement Savings Plan, please refer to the Summary Plan
Description, or visit the Trinity Health Retirement Program website at https://retirementprogram.trinity-health.org.
You may also contact your local Diversified Retirement Planning Consultant or a Participant Advisory Services Counselor at 800-394-
5240, Monday through Friday, 8:00 a.m. to 9:00 p.m. ET.
The role of the Retirement Planning Consultant is to assist you with your savings and investment plan. There are no fees or commissions for
meeting with your Retirement Planning Consultant, who is a registered representative with DISC. Trinity Health has selected Diversified as your
retirement plan provider, but there are no other affiliations between Trinity Health and Diversified or its affiliate, DISC.