Every day, you commit yourself to caring for the health of our patients and their families — and through that commitment you strengthen the communities we serve. We want you to feel the same pride for your own financial well-being as you have for the quality care you deliver and the support you provide to others.


Accessing Your Retirement Accounts

Our partnership with Empower Retirement Plan Services has been designed to make retirement planning more convenient for you by streamlining your retirement plan benefits, with a dedicated phone number, website and committed retirement team at your service.

You can manage your CHS Retirement accounts online 24/7.

Manage Your CHS Retirement Accounts

Ready to Retire?
Retirement Questions

Review our Retirement FAQs, and find the answers you are looking for.

  • First-time Users: Log on to register your account, Select the I do not have a PIN tab, Follow the prompts to enter your personal information and create a username and password.
  • Current UsersIf you have a retirement plan account through another employer for which Empower is the service provider, please call Empower Retirement at 866-CHS-0970 (866-247-0970) to obtain a Username and Password.


For questions about your CHS Retirement accounts
, contact Empower Retirement Services at 866-CHS-0970 (866-247-0970). Representatives are available weekdays between 8 a.m. and 10 p.m. Eastern Time to assist you.


Retirement Resources and Guides


Three Ways to Save

CHS offers three ways for teammates to save for their retirement:

401(k) Retirement Savings Plan

Allows teammates to save and invest a portion of their paychecks on a pretax or ROTH after-tax basis.

Learn More

Health Savings Account (HSA)

Includes contributions from both you and CHS. Funds from your HSA may be used to pay for your eligible healthcare and prescription expenses before and during retirement.

Learn More

ADVANTAGE Retirement Plan

Works similarly to the 401(k) plan in that savings and earnings grow tax-free until dollars are withdrawn at retirement.

Learn More 

401(k) Retirement Savings Plan

Allows teammates to save and invest a portion of their paychecks on a pretax or ROTH after-tax basis. Federal and state income taxes on pretax savings, as well as investment earnings, are deferred until the dollars are withdrawn at retirement. Teammates who are age 50 or older can make catch-up contributions.

Teammates who are at least 18 years of age and work at least 16 hours per week are eligible to participate in the 401(k) plan after three months of service.

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CHS makes contributions to the 401(k) plan. Teammates have the potential to receive 7-8% in CHS contributions. Here’s how:

  • Basic: Each year CHS will contribute 2% of your pay to your account, regardless of whether you save through the plan.
  • Matching (Teammates have the potential to receive up to 4%)
    • Total maximum match is 4%. In order to receive the full 4% match, you must save 6% of your pay through the plan
    • When you save through the plan, CHS will match 75% of the first 4% of pay that you save and 50% of the next 2% of pay that you save, making the total maximum match 4% of your pay


Performance-Based (Teammates have the potential to receive 1-2%)

  • This contribution is based on System performance, similar to the CHS Performance Plus Incentive program
  • When CHS meets certain performance targets, your account can receive an additional contribution, based on your service:
If you have:  Based on System performance, your account receives: 
Less than 10 years 1% of pay contribution
10-19 years 1.5% of pay contribution
20 or more years 2% of pay contribution

Teammates may contribute up to 75% of their eligible compensation ($18,000 IRS limit in 2017). Teammates age 50 and older may contribute up to $6,000 in catch-up contributions in addition to the $18,000 IRS limit.

Basic and Performance-Based Details:

  • Contribution is made annually regardless if teammate contributes
  • Teammate must complete 1,000 hours of service, have 12 months of service and be employed on the last day of the year to receive the contribution
  • Teammates hired on or after 01/01/2014 will receive their first contribution in 2019




ADVANTAGE Retirement Plan

Works similarly to the 401(k) plan in that savings and earnings grow tax-free until dollars are withdrawn at retirement. The ADVANTAGE plan should be utilized as an additional pretax retirement plan to supplement the 401(k) plan.

Teammate Contribution CHS Contribution

*Up to 75% of eligible compensation
($18,000 max in 2017)

No CHS Contribution
*Up to $6,000 in catch-up contributions (at age 50 for 2017) No CHS Contribution

Learn more about the ADVANTAGE Plan by reviewing the CHS Retirement Plans Summary.


Your CHS Pension Plans

All teammates will transition to one retirement savings plan effective January 1, 2018. CHS will offer three ways for teammates to save for their retirement – the CHS 401(k) ADVANTAGE Plans, and Health Savings Account (HSA) Plans.

In addition, the CHS Pension Plan will freeze effective December 31, 2017, and CHS will stop making additional contributions to the Plan. Instead, teammates who were CHS Pension Plan participants will receive higher contributions to their CHS 401(k) Plan account.To learn more, review the Retirement Plan Transition Fact Sheet and Frequently Asked Questions.