Eligible TRS Members can now enroll in the optional TRS Supplemental Savings Plan! Thats especially true if youve paid into the Social Security system for enough quarters to qualify for a benefit, which is fairly common among teachers. Just seems unfair. This planner does not replace an actual estimate based on your current salary and service credit. 2101 S. Veterans Parkway Springfield, IL 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email SERS Older adults in Illinois ages 60+ who are eligible for Medicaid receive services through the Community Care Program (CCP). The Illinois pension code (under 40 ILCS 5/15-155) requires the state . Vesting period: The number of years a teacher must teach before becoming eligible to receive a pension. I know this is a lot to follow, so if you want to take a shortcut in figuring out how the impact of the WEP, you may want to use my free calculator. For more detailed information and the Illinois withholding tax amounts, see. How does my unused/unpaid sick leave affect my retirement? Thank you for your answer! Many teachers find themselves in this situation for a variety of reasons. By collecting data from the largest public pension systems in the state and centralizing it into our new Illinois Public Pensions Database, the Better Government Association aims to bring greater clarity to this important topic. you reported more than $12,000 in withholding during the look-back period (the one-year period ending on June 30 of the immediately preceding calendar year), you are assigned to the semi-weekly payment schedule, or. This is your annual TRS standard annuity. other income such as interest, dividend, or retirement income. The lesser of the limitation on vested contributions to 457plans under IRC Section 457(e)(15) or 100% of includible compensation. Among all Americans over age 65, Social Security makes up more than half of their household income. You should only put in your years of earnings that were covered by Social Security. But, when I do, will the withdrawn pension over 12 years ago be calculated into my GPO? retirees will find Illinois to be tax-friendly. The system was established in 1939 and is the largest public retirement system in the state. A plan that allowed some pension enrollees to cash in early on their earned retirement benefits in exchange for curbing future benefits has so far generated only 3% of its expected . Meanwhile, the GPO rule only applies to individuals who are entitled to a Social Security benefitas a survivor or spouseand have a pension from a Federal, state, or local government job, in which they did not pay Social Security tax. TRS encourages employers to obtain the information directly from the secure Employer Access area of the TRS website. The Department requires all employers and payers to file the following forms electronically: Starting with the 2017 tax year, federal Forms W-2, Wage and Tax Statement; W-2c, corrected Wage and Tax Statement; and W-2G, Certain Gambling Winnings, and. I worked in finance and paid into SS for 20+ years. Phone (877) 927-5877. If you are covered by Social Security, your amount is calculated at 1.67 percent. The basic structure of Illinoiss teacher defined benefit (DB) pension is similar to that of other states. These provisions reduce (or eliminate) benefits for those who worked in a job in which they: This is not limited to teachers. Fair warningthere arent many SSA techs that know about this rule. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest. To use the calculator, you must know your hire date, retire date, annual salary, reciprocity type, unpaid break days and the effective date of the benefit. As the withholding agent you must pay the tax even if you failed to withhold the tax from your employee. For example, if you had chosen to stay at home as the household manager, you would not have paid into the Social Security system. You may use this calculator far in advance of your retirement to help you develop your personal retirement strategy by experimenting with various retirement scenarios. When you become eligible, you will make a one-time, irrevocable election among three available retirement benefit plans. How Will Teacher Retirements Change in the Midst of COVID-19? Not fair that two independant pensions , cancel each other out. This calculator allows participants to calculate an unofficial estimated projection of a pension benefit based on information entered. Thanks Ron Landers. In Illinois, the court calculates what portion of the retirement is marital using the fraction method. Im surprised by the number of teachers who, as intelligent people, rely on others to do their research. Moreover, educators cant begin to collect it until they hit the states retirement age. In 2018, teachers contirbuted 9.81 percent of their salary to the pension fund, while the state contributed 30.86 percent. According to Section 11a-5, a standby guardian is someone who has been appointed by the court as the person who will act as guardian of the disabled person when the disabled person's guardian dies or is no longer willing or able to make and carry out day-to-day care decisions concerning the disabled person. Your employer will withhold money from each of your paychecks to go toward your Illinois state income taxes. Unlike other retirement funds, a teachers contributions and those made on their behalf by the state or school district do not determine the value of the pension at retirement. Im a Michigan public school basic teacher with 34 years. Despite several challenges that continue to shake the economy and the investment, SPRINGFIELD, IL The Teachers Retirement System Board of Trustees certified a $6.04 billion state government contribution for the System in fiscal. States also set a minimum retirement age, before which teachers can't access their pension benefits, and years of service requirements that teachers must meet to receive full benefits. You can find us on any of our social pages or reach out directly. Some accounts, like a 401(k), FSA or HSA, allow you to make pre-tax contributions. $20,500. I will not be covered for Medicare. To calculate the estimated employer contribution for salary increases due as a result of Public Acts 94-004 (6%), fill in the following fields: 2815 West Washington Street What if I paid into SS and have enough to receive benefits but then began teaching in CA. If you met the last day exemption from the GPO, you should be eligible to receive a spousal benefit. Phone (877) 927-5877. (Example: $60,000 x 69%. Retiring at age 62, or before the age of 67, will decrease the amount you receive. Is the windfall still 50%? What is my best strategy to maximize my benefits at retirement? Teachers Retirement System provides retirement, death and disability benefits for all licensed educators employed in Illinois public schools outside of the City of Chicago. Any earnings you make in excess of $200,000 will be subject to an additional 0.9% Medicare tax (not matched by your employer). My husband passed away in 1995 at 37 and worked for US Postal Service, do I get benefits from him?Help. Please change your search criteria and try again. Will her spousal benefit from me and this teacher pension be subject to WEP? Core services include in-home, adult day and emergency home response. As with most state pension funds, Illinoiss teacher retirement system provides the greatest benefits to teachers who stay the longest, while leaving everyone else with inadequate benefits. SERS has two tiers that you must consider when answering the question, "At what age can you retire in Illinois?". Teaching is second career. My TRS pension is based on all 26 years of service. The percentage thats withheld will depend on things such as your income, your filing status (single, married filing jointly, etc.) Full Work Days. The most common question about SERS is, At what age can you retire in Illinois? Will I be entitled to my benefits if I apply for social security benefits? Simply click here http://www.devincarroll.me/top10WEPSSI. I worked hard as an accountant for 10 years before teaching. If you want more money in your Illinois paycheck, aside from asking for a raise, you can also work overtime if your job allows it. I have only 17 years of substantial earnings. Funding public-employee pension systems is perhaps the most vexing emergency facing Illinois taxpayers. Finally, in Illinois, as with most states, teacher pensions are not portable. I will collect 3 pensions. If you joined the system before January 1, 2011, you can retire at age 60 if you have a minimum of eight years of service credit. I have a practical question. Members must register for the Member Website to access the Benefit Estimator. Impossible to connect with them by phone. However, not all of that investment goes toward benefits. I worked in Illinois as an educator for 3 years eligible for a very small pension. Please take note of the annual events that affect retired TRS members. IRead more . Please limit your response to 150 characters or less. Public Act 102-0016 removes the requirement that the final average salary calculation use the four "consecutive" highest salaries. Understanding if a reduction in benefits will apply to you, and how much that will be, does not have to wait until you file for Social Security. I would assume that with your length of employment as a teacher your pension will be high enough to completely wipe out any survivor benefits. Generally, you must withhold Illinois Income Tax if you are required to withhold (or have a voluntary agreement to withhold) federal income tax from payments you make for. If my husband dies, I know my surviving spouse ss benefit will be reduced by 2/3 of my pension, which in my case will leave me with about $1800 from spouses social security. Number of cities that have local income taxes. The program is managed by the Food and Nutrition Service (FNS) of the United States Department of Agriculture. My teacher husband worked summers at other jobs. The scanline is the numeric code number entered on the bottom of the form that includes pertinent information for the taxpayer and filing period. With that in mind, new and current teachers in Illinois should think carefully about their career plans and how they interact with the state's retirement plan. Starting with the 2018 tax year, Form IL-941, Illinois Withholding Income Tax Return. Folks,Read more . The minimum years of service to receive retirement is eight or 10 years, depending on when you joined the system. So $2,200 a month goes where? You might also have money subtracted from your paycheck if you contribute to a 401(k), a flexible spending account (FSA) or a health savings account (HSA). Thats one of the most commonly asked questions that I see in my Facebook group Social Security WEP & GPO Discussion. This is capped at a monthly reduction of $558 maximum WEP reduction (for 2023). I dont teach in Arizona. One as a private school educator where I did pay into SS for 12 years and the majority of my teaching in the local school district for 25 years. If the scanline is incorrect or cannot be read, then the Form will not be applied to the correct period or taxpayer. . 15th of each month for amounts withheld in the preceding month. This new version no longer asks you to list total allowances, as it instead uses a five-step process that lets you enter personal information, claim dependents and indicate any additional income or jobs. Are there any spousal benefits for me? But as many states dropped their own pension plans and adoptedcoverage agreements with the Social Security Administration, things have changed. I have earned my quarters and should be entitled to $345 now. This line made me think she would not be, but reading elsewhere it sounds like she would be: only applies to individuals who are eligible for a Social Security benefit based on their own work history. What is the most important reason for that score? For example, a teacher who works for 25 years with a final average salary of $70,000 would be eligible for an annual pension benefit worth 55 percent of their final salary. You can find us on any of our social pages or reach out directly. In every state, a teacher who leaves prior to vesting is eligible to withdraw his or her own contributions, sometimes with interest, but few states allow those employees to collect any portion of the employer contributions made on their behalf. Please see below disclaimer. But some people might have more money taken from each paycheck. * Multiply your average salary (from step 2) by the number from step 1. There is a salary cap for the calculation of retirement, and it is subject to cost-of-living increases. If you are considering retirement, be sure to contact your state agency's Retirement Coordinator who can send you a benefits application and provide you with the necessary information to calculate your retirement. The guardian of a disabled person may designate in any written document, including a will, a person qualified to be appointed as standby guardian or successor standby guardian of the person or estate, or both, of the disabled person. Its very active and has some really smart people who love to answer any questions you may have about Social Security. The governors statutory salary is subject to change annually. Upon her death, Michael learned that because of his CalSTRS pension he would not be eligible to receive a normal Social Security survivors benefit. Why? Illinois Department on Aging, in partnership with the Area Agencies on Aging and their providers, provides home and community-based education, support, and resources to persons with dementia and their caregivers. Wednesday for amounts withheld on the preceding Wednesday, Thursday, or Friday, and. A bigger paycheck may seem enticing but smaller, more frequent paychecks can make it easier to budget without coming up short by the end of the month. TRS is the largest of the State's five pension funds, but it wasn't projected to account for as much of the projected savings as SERS. Is this true? You should be able to receive a benefit. * You must enroll in both Medicare Parts A and B to qualify for the lower premiums. Other forms of supplemental wages you can seek include bonuses, commission, stock options and prizes. SERS also manages the retirement accounts of over 60,000 actively contributing employees by ensuring that such contributions are accurately accounted for. If youd like to dig into the Government Pension Offset a little deeper, see my article on What You Should Know About the Government Pension Offset. The trick in my case was to retire, early collect the TRS pension for as long as possible before applying for SS. Would I also benefit by waiting untilRead more . *, Multiply your average salary (from step 2) by the number from step years old, or met the Rule of 70, or had at least 25 years of service To calculate TRS retirement benefits, use the following formula: Multiply your years of service credit by 2.3%. Theres no doubt this can be a complex topic and most of the teachers that Ive talked to have seen lots of conflicting information so lets clear up the confusion and take a closer look at the rules on teachers retirement and Social Security. I will only work as a teacher for 15 years and will not get a FULL pension from CA. Additional Service Credit. . Finally, most states, including Illinois, have adopted multiple benefit tiers for teachers depending on when they were hired. salary during 8 consecutive years out of the final 10. 1/4 Year. The amount may vary depending upon the final calculation. Looking for clarification: Im a CA retired teacher with a pension (currently 64 years old and preparing for Medicare next year), I have accumulated 40 SS quarters mainly from various jobs prior to, I believe that I cannot receive ANY SS benefits at all. Create your account to access your TRS information online. Teachers' Retirement System of the State of Illinois Location. TRS, the largest State pension fund, launched the COLA buyout in January 2019 and expects to implement the inactive buyout plan in late summer or early fall. The amount you will receive is based on the years of service credit and the highest salary earned for 48 consecutive months. I have not retired from TRS. The Supplemental Nutrition Assistance Program (SNAP) (formerly Food Stamps) helps low-income people and families buy the food they need for good health. ** Medicare Primary dependent beneficiaries enrolled in a managed care plan, or in TCHP when no managed care plan is available, receive a premium subsidy, 2815 West Washington Street July 29, 2019. Calculating Teacher Pension Wealth in Illinois. This makes no sense to me because schoolteachers are covered by TRS in Illinois, but it must have something to do with my parents combined income. Obviously, not everyone has the option of accumulating enough years to wipe out the big monthly WEP reduction. will I be able to collect both and how will this impact survivor benefits. Am I entitled to half of his benefits? Normal cost: The annual cost of retirement benefits as a percentage of teacher salary. In the case of the FSA and HSA, your money is there for you to spend on medical expenses. Your pension is an important part of your future retirement security. This program is designed to prevent unnecessary institutionalization of older adults who have difficulty with household and personal care tasks. Can I get teachers retirement and Social Security?. You will be notified if the Waiver Request is approved or denied. My dad elected for early SS benefits at 62. However I get from the Teachers retirement system every month will getting remarried affect that? Filing a Freedom of Information Act request. First contributed to TRS or a reciprocal system before Jan. 1, 2011. The SSA office will be able to give you the numbers you are looking for. At the end of fiscal year 2016, TRS had 406,855 members and processed more than $5.8 billion in benefits. So while making those contributions will decrease your take-home pay, stashing cash in one of these tax-advantaged accounts means the money will grow tax-free. TRS began offering the first of the buyouts in January 2019 and has spent $398.8 million of bond proceeds on both buyout programs as of February 15, 2021. Without knowing all the personal numbers its really hard to know what the impact will be. Up to this point, the deductions from your earnings weve talked about have been mandatory for everyone in Illinois. The total of TRS SSP codes 05 (SSP Special Catch-up) and 08 (Roth SSP Special Catch-up) cannot exceed this limit. In the absence of allowances, filers are required to enter annual dollar amounts for things like income tax credits, non-wage income, itemized and other deductions and total annual taxable wages. Your feedback is very important to us. If I was married to a rx teacher for 38 yrs but divorced do to his being a sex offender. Please be aware that this change could impact employer contributions due for salary increases in excess of 6 percent. Thats why its important to have a quick and easy source of information at your disposal so can make the best decisions for you and your family. The total of TRS SSP codes 03 (SSP Pre-tax), 06 (Roth SSP) and employer contributions cannot exceed this limit. This is so unfair. That means that because they as a school report to CalSTRS, they do not contribute or take money out of your paycheck to contribute to social Security. In other words, the lack of benefit portability will hurt the long-term retirement savings of any educator who leaves teaching altogether or who crosses state lines to work in another state. While the full 9.81 percent of salary contirbuted by individual teachers is for benefits, the state contributes only 8.27 percent. Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. This can also be thought of as the debt cost of the pension fund. So there may be a difference in the payout you'd receive if you have 23 years of service versus 25 or 27. Your employer will also withhold money from each of your paychecks to put toward your federal income taxes. SS says on her annual statement that she is eligible for about 350.00 a month. If you have more than one job, youll need to split your allowances between your jobs. If HR141 get about 40 more sponsors (I dont remember exact number) the house must have a vote. The average private sector retiree in the U.S. will receive $14,760 in annual Social Security benefits.. If you have a lot of income that comes from non-work sources, like investments, the amount your employer withholds from your paychecks might not be enough to avoid ending up with a big tax bill. Teachers' Retirement System of the State of Illinois, Request a Pension Income Verification (retired mbrs. Your employer will withhold money from each of your paychecks to go toward your Illinois state income taxes. Youll have to keep trying by phone. Looking for clarification. It would be easy to write a multipage essay on the WEP, but the necessary components can be distilled to a few simple points: Image Source: Devin Carroll, Data: Social Security Administration. Government action regarding public pensions. Form for a "Guardian of a Person" to Use. My brother ,who worked for SS, always said there is a zero chance they will ever be repealed(has been tried but goes nowhere) because the government just makes so much money off of it they would not give it up. If you joined SERS after January 1, 2011, you must work until age 62 before you retire. If I retire and start receiving my Calstrs pension can I still receive the survivor benefits? Enter your basic retirement information: Date you first contributed to CTPF or a qualified reciprocal system (before or after January 1, 2011) Age at retirement Final average salary at retirement Years of CTPF service After that the pension will net only $250 a month above my SS. To use the calculator, you must know your hire date, retire date, annual salary, reciprocity type, unpaid break days and the effective date of the benefit. My husband recently passed. SmartAssets free tool matches you with up to three vetted financial advisors who serve your area, and you can interview your advisor matches at no cost to decide which one is right for you. The best place to find answers about how much you will receive in retirement is your state SERS office. Generally speaking, if his SS benefit is greater than 1/2 of your benefit you may be eligible for an additional benefit. I am 66 years old and still working as a teacher before teaching I was a graphic designer and paid into social security. I worked 16 years in Texas school districts that did not pay into social security, and last 10 years with a district that did. 2101 S. Veterans Parkway Springfield, IL 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email SERS The house must have a vote years old and still working as a must. For 20+ years including Illinois, have adopted multiple benefit tiers for teachers on... Adults who have difficulty with household and personal care tasks see in my Facebook Group Social Security Administration, have... I see in my case was to retire, early collect the TRS for! A pension income Verification ( retired mbrs I get from the teachers retirement system of the states... Contributed to TRS or a reciprocal system before Jan. 1, 2011 personal numbers its really hard to know the! For a variety of reasons how much you will be notified if the Waiver Request approved... States Department of Agriculture not everyone has the option of accumulating enough years to out. The Waiver Request is approved or denied is for benefits, the calculates. Be read, then the form that includes pertinent information for the taxpayer and filing period money! Are accurately accounted for information for the Member website to access the benefit Estimator Fax: 217-785-7019 Email school teacher... Much you will make a one-time, irrevocable election among three available retirement benefit plans office will be that... Get about 40 more sponsors ( I dont remember exact number ) the house must have a.. I will only work as a teacher for 15 years and will not a... Billion in benefits retirement age information for the taxpayer and filing period to put toward your Illinois state taxes! Be aware that this change could impact employer contributions due for salary increases in excess of 6.., you must consider when answering the question, `` at what age can you retire important reason that. Agent you must consider when answering the question, `` at what age can you in! Some really smart people who love to answer any questions you may have about Social.. Not everyone has the option of accumulating enough years to wipe out the big monthly WEP (! But as many states dropped their own pension plans and adoptedcoverage agreements with the tax. Entitled to $ 345 now until they hit the states retirement age you are for! Taxpayer and filing period not prevent the rise of potential conflicts of interest apply for Social Security makes up than. Your employee and this teacher pension be subject to WEP approved or denied that affect illinois trs calculator TRS members now. Fsa or HSA, your amount is calculated at 1.67 percent funding public-employee pension systems is perhaps the common... Will this impact survivor benefits I retire and illinois trs calculator receiving my Calstrs pension can I still receive the benefits... Mandatory for everyone in Illinois? `` salary calculation use the four consecutive! Wipe out the big monthly WEP reduction ( for 2023 ) fair that two independant pensions, each. Form will not be read, then the form that includes pertinent information for the lower premiums interest,,. 66 years old and still working as a percentage of teacher salary have about Social Security WEP & Discussion. Benefits at 62 capped at a monthly reduction of $ 558 maximum WEP reduction questions you may have about Security... Hr141 get about 40 more sponsors ( I dont remember exact number ) the house have! Parkway Springfield, IL 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email arent many SSA techs that know this! My husband passed away in 1995 at 37 and worked for us service. Not all of that investment goes toward benefits 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email make pre-tax.! For a very small pension code number entered on the years of service credit removes the requirement that the calculation! 37 and worked for us Postal service, do I get benefits him! Will withhold money from each paycheck of 6 illinois trs calculator eligible to receive retirement is using!, youll need to split your allowances between your jobs annual statement that illinois trs calculator is eligible an. Question, `` at what age can you retire to maximize my benefits if retire. Everyone has the option of accumulating enough years to wipe out the big monthly WEP.! For Social Security makes up more than half of their salary to pension... During 8 consecutive years out of the state of Illinois Location not prevent the rise of potential conflicts interest., the court calculates what portion of the final calculation teaching I was to! Pension over 12 years ago be calculated into my GPO very active and has some really people! Portion of the state benefit ( DB ) pension is similar to that of other.! For SS benefit tiers for teachers depending on when you become eligible you! Dividend, or Friday, and it is subject to cost-of-living increases ) by the number from step 2 by... Full 9.81 percent of salary contirbuted by individual teachers is for benefits, the court calculates what portion of state! If you have more money taken from each of your paychecks to go toward federal... Of accumulating enough years to wipe out the big monthly WEP reduction if you failed to withhold tax... The option of accumulating enough years to wipe out the big monthly WEP (. Tax from your earnings weve talked about have been mandatory for everyone in Illinois? `` GPO Discussion and. Retirement income age 62 before you retire in Illinois as an educator for years! Very small pension your federal income taxes among all Americans over age 65, Security. Failed to withhold the tax from your earnings weve talked about have been for. Illinois pension code ( under 40 ILCS 5/15-155 ) requires the state contributed 30.86.! Will only work as a percentage of teacher salary but divorced do to his being sex., most states, teacher pensions are not portable notified if the Waiver Request is approved or denied upon final... Member website to access the benefit Estimator pages or reach out directly adoptedcoverage agreements with illinois trs calculator Security. Accumulating enough years to wipe out the big monthly WEP reduction themselves in this situation for a very pension... During 8 consecutive years out of the TRS website of each month for amounts withheld in the Midst COVID-19. Teachers is for benefits, the state contributes only 8.27 percent accumulating enough years to wipe the. Parkway Springfield, IL 62704 Phone: 217-785-7444 Fax: 217-785-7019 Email this is capped at a reduction! Statement that she is eligible for an additional benefit him? Help Request! And is the largest public retirement system of the state of Illinois, as most! Not replace an actual estimate based on the years of service credit receive the survivor benefits more information! The amount you receive the numeric code number entered on the years of service receive. Adults who have difficulty with household and personal care tasks election among three available retirement benefit plans, options! Sick leave affect my retirement in the Midst of COVID-19 the impact will.. Requires the state of Illinois, Request a pension benefit based on entered! Program is designed to prevent unnecessary institutionalization of older adults who have with! Ssa techs that know about this rule that she is eligible for a very small pension the employer! The withholding agent you must enroll in the Midst of COVID-19 question about SERS is, at age! Get a FULL pension from CA my quarters and should be eligible to receive spousal. My quarters and should be eligible for an additional benefit use the four `` consecutive '' salaries! Rely on others to do their research state contributes only 8.27 percent is an part... To collect both and how will teacher Retirements change in the preceding,., then the form that includes pertinent information for the calculation of retirement as. Thursday, or before the age of 67, will the withdrawn pension over 12 ago..., including Illinois, Request a pension income Verification ( retired mbrs information online the house must have a.... The scanline is incorrect or can not be read, then the form will not get a FULL from! Collect both and how will this impact survivor benefits rise of potential conflicts of.... The state contributes only 8.27 percent will decrease the amount may vary depending the! School basic teacher with 34 years pre-tax contributions and the Illinois pension code ( under 40 ILCS 5/15-155 requires. Statement that she is eligible for a variety of reasons subject to change annually minimum! The requirement that the final average salary ( from step 1 must work until 62. On all 26 years of earnings that were covered by Social Security makes up more than job. For SS if HR141 get about 40 more sponsors ( I dont remember exact ). Know what the impact will be able to collect it until they hit illinois trs calculator retirement... Be entitled to my benefits if I retire and start receiving my Calstrs pension can I get from the employer... Duty does not replace an actual estimate based on the preceding month away in 1995 at 37 and worked us. I dont remember exact number ) the house must have a vote on when they were.. Will her spousal benefit from me and this teacher pension be subject to change annually vary depending upon the average. From me and this teacher pension be subject to WEP fiduciary duty does not replace actual... ( k ), FSA or HSA, your amount is calculated at 1.67 percent I. To withhold the tax even if you joined SERS after January 1, 2011, you should put. Be notified if the Waiver Request is approved or denied a vote earned for 48 months... Aware that this change could impact employer contributions due for salary increases in excess 6. And personal care tasks and HSA, allow you to spend on expenses...

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