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We've worked with employees of AT&T for years, so we understand how your financial life is uniquely complex.
How does Mod 75 work at AT&T? How do you plan for retirement with an eye toward the benefits you'll receive through AT&T? And what approach should you take with your AT&T pension?
If you're asking yourself any of those questions, know that you're not alone. And if you have questions beyond those, we're here to help answer them.
For many AT&T employees, we understand there can be a gap between the information that AT&T HR provides and the information you need to fully comprehend the sum of the pieces of your benefits.
We're here to close that gap. And the purpose of our Farther Focus team doesn't stop at simply building a financial plan around your career at AT&T. We're here to be your guide in each step of the journey. We go above and beyond to walk you through all the paperwork involved in retiring — healthcare, 401k, and social security, just to name a few — so you can feel confident that no stone has been left unturned.
We build a comprehensive plan for AT&T employees to give you clarity on when they'll be ready to retire
We have strategies specific to the AT&T pension to guide you to the best option for your situation.
We will help understand the different coverage options, ensuring that you’re maximizing the benefits for your entire family.
We're not only here to develop your financial plan. We'll be beside you for each step and each piece of paperwork related to retiring, including 401k, Medicare, and Social Security.
We build a comprehensive plan for AT&T employees to give you clarity on when they'll be ready to retire.
We will help understand the different coverage options, ensuring that you’re maximizing the benefits for your entire family.
We will help understand the different coverage options, ensuring that you’re maximizing the benefits for your entire family.
We have strategies specific to the AT&T pension to guide you to the best option for your situation.
Prior to taking a job from any company, most employees want to know what benefits they will receive outside of their salary or hourly rate. When it comes to AT&T specifically, one of the main questions asked about AT&T retirement benefits is, "Does AT&T have a pension?" Below, we cover three of the main facets of AT&T pensions. We encourage you to reach out to our team if you have questions specific to your particular situation.
When it comes to AT&T pensions, the Modified Rule of 75—often referred to as Mod 75—plays a key role in determining your retirement age. Contrary to the common misconception, Mod 75 works in multiples of five, and your age plus years of service needs to equal 75, unless you have 30 years of service.
Depending on how long you've been with AT&T, there are different formulas to determine your pension payout. The Craft formula is more straightforward, while the CAM formula considers several factors, including the years of service prior to the end of 1999.
There are three payout options for AT&T employees: Single Life Annuity, Joint Life Annuity (50%, 75%, or 100%), or a Lump Sum. Both of the annuity options are taxable as income, while the lump sum isn't taxed until withdrawn, but is subject to required withdrawals.
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While these aren't all of the questions we field from AT&T employees, these are the main topics and questions our team helps our clients answer. Because the AT&T benefits are unique to the person receiving them, this FAQ area is built to give you an idea of how we commonly help employees. To answer questions specific to your situation, please schedule a meeting with a member of our team.
What's the difference between lump sum and annuity? What's the best option for me?
Which version of the AT&T pension do I have? These are 3 examples of the AT&T pension:
How do interest rates and timing affect my lump-sum payout?
How do the different pensions of AT&T compare? (Legacy T, CAM, Cash Balance, and Mobility)
How does the Retiree Medical work?
What type of cost subsidy and coverage options will I have?
How does the Health Reimbursement Account work?
What is the Modified Rule of 75 (often referred to as Mod 75)?
How does retirement work at AT&T?
What are the logistics of the retirement process?
How do I make the most of my AT&T 401k plan?
When does a Roth conversion make sense? How do I make a Roth conversion?
Should I execute a rollover for my after-tax 401(k)—Roth 401(k)?
Simply fill out this commitment-free form to begin. We look forward to getting to know you.
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