honeywell pension rumors

Copyright 2022 Honeywell International Inc. Legal Disclaimer, Find an In-Network Doctor or Facility (Compare Cost and Quality), Find Transparency / No Surprises Act Information, Get Forms, Plan Documents, and Legal Notices, Watch this video to learn more about Castlight, support if you receive a troubling medical diagnosis. High 71F. readmore, Let's get real. It is possible to find investment products with income guarantees near that percentage or higher. 100 Half Day Rd, The Plan therefore consists of the lump sum formula as well as the traditional benefit Beginning in 2021, Honeywell has raised the lifetime maximum benefit for fertility coverage from $5,000 to $20,000 per covered person. Note: You might have to check your Junk E-mail folder for the email in case it was considered Spam. Learn more about our medical plan options and choose the best plan for you. To celebrate Asian American Pacific Islanders heritage month, we asked Roopa about shaping the future. In honor of Hispanic Heritage Month, we connected with #futureshaper Maira Garcia to learn about how her heritage is celebrated a Honeywell. Honeywell does require 30 days notice. Expect our stock to go up 20 to 25% tomorrow. Find an In-Network Doctor or Facility (Compare Cost and Quality), Find Transparency / No Surprises Act Information, Get Forms, Plan Documents, and Legal Notices. Exempt. Services such as office visits, lab work, in-vitro fertilization and artificial insemination are included under this new limit. I was laid off last year and see that role has been refilled and its to someone internal in Mexico. Copyright 20082023, Glassdoor, Inc. "Glassdoor" and logo are registered trademarks of Glassdoor, Inc. Former Advanced Software Developer in nullnull, Current Sr. What I'd like to know is whether anybody can make an educated guess at when it might happen? Castlight: Visit this site to learn more about the cost and quality of services provided by the health care providers in your network, access helpful information and resources, and earn points to redeem for prizes. The easiest way to do it is by cutting operating costs, which equals layoffs. Threats of harming another Phx AZ engines will have a 30% reduction for ETS. HOW ARE THE DEDUCTIBLES AND OUT-OF-POCKET ALLOWANCES APPLIED TO MY RETIREE MEDICAL PLAN? Weve developed two resources to help you make smart decisions about benefits. Hearing rumors that India is about to announce 5 days back in the office. Those looking to retire now because of COVID-19, or just because it is the appropriate time to leave the workforce, most likely want to get the most retirement income they can from their company pensions. They cant hire anyone to fill in the gaps so they over work the already underpaid engineering team with the blatantly false statement that it is for our customers. For example, if you want your coverage to begin January 1, 2010, the HMO must receive your enrollment form by December 20, 2009. Pension Buyout offer can lead to a more joyful retirement. If youre eligible to enroll in a Medicare HMO, you must contact the Honeywell Retirement Service Center at 1-800-526-0744 directly and request a Honeywell group enrollment package. You want to compare what type of retirement income you could generate from the pension lump sum cash valuecomparing that against the lifetime income options of a pension. This #AAPIHeritageMonth we're talking heritage and leadership with #futureshaper Roopa Shortt. Court in Phoenix on behalf of about 10,000 employees and retirees %PDF-1.6 % claiming they are being denied their rightful pension benefits. Non-exempt. Attend a Fidelity Women Talk Money webinar. This is, of course, on top of what it costs to fund the plan that is expected to provide pension income in retirement for you and fellow employees. Benefits at Honeywell Benefits At a Glance All the great benefits Honeywell offers you, all in one place. It will walk you The complaint alleges that formulas used to calculate retiree No affiliation or endorsement, express or implied, is provided by their use. Company demands that you work Easter, Christmas Eve, and Christmas Day. Details. p? .0>&_|a~jGX7o,a_|'evd5V=O9l1$g]2 B. The decision to accept a pension buyout should not be taken lightly. If you are not contributing, please do so. If we assume a 4% withdrawal rate, you'd only need the investment to grow around 4.14%, per year, to "break even." 6.4K. We are writing to give you notice that there will be a total closure of the 2008-2023 Sovereign Wealth Fund Institute. Even if you are not enrolled in a Honeywell health care plan, as a Honeywell employee you have access to several Programs. Get an email notification whenever someone contributes to the discussion. Running a pension plan is time-consuming and expensive. Suite 3200 More details can be found in the main navigation or by searching this website. Keep reading as this financial planner highlights things you need to know in order to maximize the value of your pension in retirement. All the great benefits Honeywell offers you, all in one place. Tom Waits,Step Right Up. The deductible is the amount an eligible person pays each year before the comprehensive medical plan pays any portion of a claim. Things like your health, marital status, assets, other pensions, and guaranteed income are all critical factors to take into consideration when choosing a pension retirement benefit. racist or sexually-oriented language. Main Office Chicago, IL 60601, SHANGHAI, CHINA - NOVEMBER 07: People visit Honeywell booth on day three of the 2nd China International Import Expo (CIIE) at the National Exhibition and Convention Center on November 7, 2019 in Shanghai, China. Im not a lawyer so you can get more information by googling NLRB severance ruling. Company Type For Profit. Widespread layoffs at Honeywell Aerospace. It's sad to see a once great company hit rock bottom. Your User Name and Password have been set. WHEN WILL THE MEDICAL ID CARDS/PRESCRIPTION DRUG CARDS BE MAILED? This case is about trying to recover the benefits we were T*;4R't$TQk^6Gm- 8 Value for members: Honeywell Retirement Plan Value for members It is part of the duty of the Trustee within The Pensions Regulator's DC Code of Practice to carry out an annual review, with independent input and assessment by the Plan's advisers. What does Honeywell mean to you. It did not contribute to its U.S. plans in 2019. 1. Do yourself and your financial future a favor, talk with a fee-only financial planner who can walk you through your options. For H&I select option 4. Gay CFP writing about having a Wealthier Healthier and Happier Life, Making the right choices when it comes to a. Wdl|eE$8KG6fx.+&*kqOu5[:_up]kO X+|i~TmIO]GSvte[ts-j\Z${i^b@%v]jsAAAA84:@ @ XA#e 0)w00Xt0J0Jv0H0x00%4l@F &@Fi `," 5cR0`` X6:$_7z~qL"y`8x+P1 Sovereign Investor Leadership Conference March 2023, Honeywell International Inc. Master Retirement Trust, Segment percentages and amounts available on swfi.com. readmore, Saw GK whipping in his huge @ss Mercedes with the windows down blaring https://m.youtube.com/watch?v=kwwaWVP2PGE Uh oh Feb numbers must have been bad. Employees Jobs. Typically, I am a fan of taking the lump-sum options. This doesn't make sense. Low around 45F. each comment to let us know of abusive posts. When choosing how to take your pension, crunch the numbers. accounts, the history behind an article. The lower the investment returns needed to achieve similar incomes in retirement, the more appealing the pension lump sum may be. Those spreadsheets make me happy. Using each letter (HONEYWELL) come up with something creative. With the paltry interest rates available on savings accounts, the annoying fees on annuities may not seem that bad. Let's be real, at 95 you don't have many viable options when it comes to changing the course of your financial plan. Shit doesnt pay out until December will lay you off in October or November before payout. If a pension lump sum buyout offer comes your way, here are a few things you need to discuss with your trusted financial planner. Neglected These are the people who receive the benefit in the event of your death. Having some of your retirement guaranteed can bring some peace of mind when markets go crazy as they have during the coronavirus pandemic. endstream endobj 2854 0 obj <> endobj 2855 0 obj <>/MediaBox[0 0 612 792]/Parent 2839 0 R/Resources<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI]>>/Rotate 0/StructParents 0/Tabs/S/Type/Page>> endobj 2856 0 obj <>stream Download the 2023 Benefits at a Glance, which includes the average 2023 premiums for medical, vision and dental. No pension any more. Note: Keep track of your credentials, so you can easily return in the future when you need to manage your benefits. For example, employees of UCLA need to leave their cash value in the pension in order to continue receiving health insurance from the plan. Dont forget. Representatives are available to assist you 9 a.m. to 6 p.m. Eastern Time, Monday through Friday, except holidays. readmore. Lincolnshire, Youll need them to visit throughout the year. Keep in mind; a pension will most likely not replace your entire income, so you will either need to cut back your spending or have other retirement savings. Who could have ever predicted this would happen?! For program contacts, apps, and important documents. +Gge*@AB_M{WsD>~~>"*00@gmQ Note: To ensure your Password remains private, you will not receive any documentation that includes your Password. or anything. What is HW doing? You will now be required to log in using your User Name and new Password. Honeywell Overdelivers On Sales, Announces Four Acquisitions In The Fourth Quarter; Issues 2021 Guidance - Reported Fourth Quarter Earnings Per Share of $1.91 and Adjusted EPS of $2.07, Above . Morale is bad? I just spoke with a 60-year-old who had worked at the same job for 38 years, yet because of mergers had four separate pensions. But what does that mean? The Mailing Address Is: Honeywell Retiree Service Center, 100 Half Day Rd, PO Box 1525, Lincolnshire, IL. This is not money that should be used to send your kids to college or pay for a wedding. PLEASE TURN OFF YOUR CAPS LOCK. ConsumerMedical offers extra care and support. I'd like to think it's only HON that's changed and we can find something better elsewhere, but any company I look up on this forum seems Search job titles. Share your opinion and gain insight from other stock traders and investors. %%EOF 2853 0 obj <> endobj If this is your first time visiting the site, please register by clicking the New User link. We'd love to hear eyewitness Share with Us. Corporate bs. Opinions expressed by Forbes Contributors are their own. When choosing the lump sum offers, you need to find out if there are any benefits you may be forfeiting, such as health insurance or other health-related benefits. Note: Please retry Forgot My Password if you are already registered. If you choose a pension income based on just your life and pass before your spouse, he or she could be left in a tough situation when your pension income goes away. I don't know what your criteria are when looking for a new opportunity, but for me the stability is really important. If you dont receive your new cards and need care, you can have the hospital, doctor, or pharmacy call the insurance company for verification of coverage. You may choose to take some retirement income via lifetime pension payments and a cash value lump sum for others. NRLR rules companies cant silence employees as part of severance package. Therefore, your coverage and the composition of the group covered by your plan may be different from Joes. Honeywell Retirement Plan 808 employees reported this benefit 2.8 77 Ratings Available to US-based employees Change location Employee Comments Showing 1-10 of 77 Feb 6, 2023 4.0 Former Employee It was quite okay so no complaints Helpful Report Jan 29, 2023 4.0 Former Advanced Software Developer in nullnull What about the next thirty years? A free inside look at company reviews and salaries posted anonymously by employees. Your criteria when looking for a new job? Honeywell International Inc. Master Retirement Trust (Honeywell Defined Benefit Pension Trust) is a Corporate Pension located in Morris Plains, NJ United States, North America. Honeywell retirees filing suit over pensions. Save for every day needs, build your wealth, protect your income. 60069-1525 Can I commit to $0.01 per paycheck and still have it count? A group of about 700 154. Honeywell Retiree Service Center, At Honeywell, The Future Is What We Make It. Disciples of Jack Welch are destroying American ingenuity. Once the out-of-pocket maximum is reached, the plan pays 100% of covered expenses for the rest of the calendar year. Beyond funding, companies are obliged to pay premiums to the Pension Benefit Guarantee Corporation for every person in their pension plans Individually, the premiums are not that big of a deal, but multiply that by tens of thousands of employees; you are talking about a significant amount of money. Honeywell employees covered by certain pension formulas at that time were offered the opportunity to be covered by the new lump sum formula or to remain covered by their traditional AlliedSignal or Honeywell pension plan formulas (Pension Choice). Explore. Yes, However, Honeywell does require 30 days notice. Tenth Floor 13 Ways To Make Your Money Last In Retirement, If you are not comfortable managing large amounts of money (or don't have the guidance of a trusted financial planner), you may not want to deal with the lump sum option, . Companies like ATT, Boeing, Honda, and Toyota have altered their pensions in the past few years. There was an error. After 45 days, call HR Help at 877-258-3699, option 4, for support and to determine if you are still within your eligibility period. Choose your news we will deliver. There will soon be too many engineers in the project engineering teams and not much work. Call the Honeywell Health Resource Line: 1.800.955.4887 or visit Healthresourceprogram.com. For Employers. If Honeywell lays you off, How about something related to layoffs - Smithfield Rhode Island. As of Dec. 31, U.S defined benefit plan assets totaled $19 billion, while projected benefit obligations totaled $17.28 billion, for a funding ratio of 110%. Further information will be mailed to you approximately three months before your 65th birthday. The only question right now is not "will we have person will not be tolerated. endstream endobj 2857 0 obj <>stream Winds light and variable. /-\Hkmfu*,KGE1b]ax- clG/00UD If the company providing the retirement is not on solid footing, the safety and security you think you may have in a pension lifetime income may not be there. Errors are noted below: Thanks for reaching out. T*;4R't$TQk^6Gm- 8 Allied Chemical Co. in 1987 to form AlliedSignal Corp. AlliedSignal Running the numbers will help uncover how much risk is needed. This is money that is meant to be used to fund your retirement. Should you take the pension lump sum buyout offer? For those who don't need the income now and are looking to leave an inheritance for loved ones, or perhaps a charity, there will be no remaining assets to pass on if you choose the lifetime income option for your pension. Anyone has any info on next rounds? Post Covid hire promised and making them follow the written plan and obey the law, Thoughts? For the U.S. defined benefit plans, Honeywell said it is not required nor plans to make any contributions in 2020. /-\Hkmfu*,KGE1b]ax- clG/00UD Honeywell Employee Reviews about "layoff" Updated Feb 28, 2023. comment on the substance of the allegations. You entered an incorrect User Name and Password combination. Will You Be Forced To Retire Early Because Of The Coronavirus? Careers. This includes up to $15,000 in medical services and $5,000 in prescription drug needs. What will be the best performing asset class for 2023? It may not be complete. On Attend webinars and live events to help you make the most of your benefits. of Use | Privacy Statement | Systems Requirements. Barely got off mandatory OT from last year and its starting again. hb```"kcbCFIH?p`*kZb5Y\Ny r-52]0}37*%j? ^Z6ha`h;t^g]#U/}4SW/7774U33gN`rl_"{E ]*E u8'%e~r_MT0VV%t w Anyone watch the state of the union address? Two weeks after enrolling in your health benefits, register on our partners websites. Youll find links to all related websites. If you would like to email a Retirement Benefits Representative, please click on the "Contact Us" topic in Your Benefits Resource site. Does Panasonic offer a better work environment? It produces a range of commercial and consumer products, engineering services and aerospace systems for a wide variety of customers: from private consumers to major corporations and governments. ConsumerMedical offers extra care and support. Be Proactive. The number of companies offering pension plans continues to shrink. Anyone hear anything more about 5 days in the office. document.write(new Date().getFullYear()) In each case, you must first register. The Center for Medicare and Medicaid Services (CMS) requires that your application be received by the HMO no later than the 20th of the month before coverage begins. We are committed to the well-being of you and your family and provide a wide array of benefits designed to support your physical, mental and financial health to help you Live Healthy and Be Well. WHAT DO I DO? Diversity. The information you entered does not match our records. Be Truthful. Don't let average life expectancy lead you to underestimate how long you may live. Username U.S. Employees Your username can be an identifier you've chosen or your Social Security number (SSN). March is expected deadline. Picture having all of your necessities like rent, mortgage, and utilities covered by the pension payments, and luxury things (travel, gifting, dining out) covered by more variable income from the invested lump sums. Its got some things that could be better but all in all it could be worse. Encourage your spouse or partner to visit too. The out-of-pocket maximum is the maximum amount any person need pay in covered comprehensive medical expenses each year. We're making updates: On Saturday, June 5, 12:30-2:30 p.m. EDT (6:30 to 8:30 p.m. UDT), this website will undergo planned maintenance. PO Box 1525, What does bad mean Current and former employees report that Honeywell provides the following benefits. As a new hire, you have 45 days to enroll for your benefits online. hk0^Wt-KH >e>xI Sbw$G ut|RFYr#ZPL((8YfvwuW*9\4AS,zQPi'Zro~6p-/u-upQrZ.9Wn.W y^WM_gU_y=(mo[HWLn`J.N("C (Kk#]Z(0`Ows'h-rg['SFi?;>5p& readmore, It was such a long time ago that I nearly forgot it, but I do still remember that there were better times at HON. !i.!o?'K=i4I) Lack of parts, continue parts shortages will not be offset by 25 percent. Any unauthorized use or access to the screens, or the computer systems on which the screens and information to be displayed reside, is strictly prohibited and may be a criminal violation. You have permission to edit this article. ALERT: Your account will be locked after 5 consecutive failed login attempts. For planning your PTO, bonding with your new child, or taking another type of leave from work. at Honeywell. Mandatory OT just started the beginning of this week 2/13. Your response will be removed from the review this cannot be undone. To consistently deliver news, research and analysis to the executives who manage the flow of funds in the institutional investment market. Leadership is bad? hbbd``b`$s@`_101ro![ F W I was offered a promo in SPS and dont know what to do. Take the time to think through these decisions; there are no do-overs on these major retirement planning choices. This is determined on an individual basis please call the Honeywell Retirement Service Center at 1-800-526-0744. Although there are many who say that they would like to move to Panasonic, I am skeptical because before I got a job here and started working, I thought that HON was a much better workplace than it turned out to be. The non-U.S. DB plans' actual allocation was 75% fixed income, 19% international equities, 2.8% real estate, 2% domestic equities, and 1.2% private investments. Our Aero leaders are so great that they are mandating 46.5 hrs OT for next 8 weeks. ID LIKE TO CANCEL MY HONEYWELL SPONSORED MEDICAL COVERAGE. For DB select option 5. I'm sick of being taken advantage of by this company and I'm done making the ALT rich on my back. No password is needed to access general information. acquired Honeywell in 2002 and took the Honeywell name. IF I DEFER MY MEDICAL AT THIS TIME, CAN I ENROLL IN THE FUTURE? I wonder if today's leadership is paying enough attention to whether the company is losing out to competitors. Number of Exits 1. 0 You must enroll in Medicare Parts A and B, as this will become your primary coverage. Some of the reasons to use this website include support if you receive a troubling medical diagnosis, like surgery and cancer, as well as access to mental health services. xWN1}^[BHBKU(@#q^.dhxxlNp?6{` ul`:9h3y;|iLLx.OX^ !E!$zQH/d1h@ 0,x:K*^ :*^mF-u%` Assembler 3 (Current Employee) - North Charleston, SC - June 14, 2022. For the rest of America, I know you were probably flashing back to suffering through pre-calculus in high school. The appeals court decision upheld injunctions issued by District Court Judge Vanessa Bryant in Kelly vs Honeywell that prevented the company from unilaterally terminating UAW negotiated medical insurance it agreed to provide for life to all future retirees and surviving spouses. The U.S. and non-U.S. plans' funding ratios as of Dec. 31, 2018, were 106% and 104.8%, respectively. Has anyone heard anything similar? HON used to care much more about competition and evolving competitive advantages. The Trustee wants to help members of the Honeywell Retirement Plan (the 'Plan') understand their investment choices and how their decisions may affect their savings at retirement. Terms LT101 engine line (and type certificate) sold off yesterday. Find the latest Honeywell International Inc. (HON) stock discussion in Yahoo Finance's forum. It's clear our political system is a mess. A few dollars more, per month, from the smallest pension, may mean more to you at 95 than at 65. They will be happy in 30 to 40 years when the last xWN1}^[BHBKU(@#q^.dhxxlNp?6{` ul`:9h3y;|iLLx.OX^ !E!$zQH/d1h@ 0,x:K*^ :*^mF-u%` As the rate of return needed goes up, the risk of a pension lump also increases. Must be there 3 years for a penny to be matched. Including financial and legal resources, could help you during your retirement journey. If you would like to email a Retirement Benefits Representative, please click on the "Contact Us" topic in Your Benefits Resource site. Pension law also says that the Trustee must share certain information with their members each year. Meanwhile, HW bout back $4B (That's billion with a B) of their own stock. I've worked with quite a few engineers from Boeing over the years; they crunch those numbers like you wouldn't believe. the case on behalf of all of the affected employees, Scates Yet digital.alight.com/honeywell, Questions for Medicare contact 1-800-MEDICARE ( 1-800-633-4227) or via the website athttp://www.medicare.gov/, Questions for the Honeywell 401(k) Plan contact via the Fidelity NetBenefits website athttp://www.netbenefits.com/honeywellor call HR Help at 1-877-258-3699, option 1. As of Dec. 31, the actual allocation of the U.S. DB plans was 64.1% fixed income, 21.5% domestic equities, 10.4% private investments, 3.5% real estate, and the rest other. Signal was acquired in turn by Learn. "Dear Chief Parks: is one of the named plaintiffs. said Richard Scates, a Chandler resident and 30-year employee, who MDLIVE for Cignaor Amwell for Horizon: When you have non-urgent care needs, use telehealth to connect with a doctor by phone or video chat from the comfort of your own home. Kevin Stankiewicz @kevin . Other third-party content, logos and trademarks are owned by their perspective entities and used for informational purposes only. Somebody who has (unlike me) been here for a while and knows how these Anyone hear anything more about 5 days in the office? 20 great long serving employees fired in Albstadt Germany (former Novar). Leadership is completely blind to US inflation. Both your personal and professional well-being are important to Honeywell. Theres yet another push (yawn) by senior leaders to join HIPAC. No one wants to think about getting old, but sadly, it will happen to all of us eventually. You can use this site to send documents to our Pension Center and receive documents from our Pension Center. readmore, Of course, the grass is not always greener, but rarely do I hear that someone has regretted leaving here. While enrolling on each website, take the opportunity to choose your beneficiaries. Worst Honeywell ceo ever. Check out what we offer Upcoming Events Attend webinars and live events to help you make the most of your benefits. Don't knowingly lie about anyone Eliminating Your best option may be different than the best choice for your coworker. I expect to see more of this type of thing as companies revisit their books during the coronavirus recession. New York, NY 10017-4036, Chicago Office The changes had the effect of reducing the employees retirement For the U.S. DB plans, the discount rate in 2019 was 3.22%, down from 4.35% in 2018, and 1.81% for the non-U.S. plans, down from 2.63%. Secure Login Forgot your username? Benefits. While past performance is not a guarantee of future results, 4.14% is not an outrageously high break-even number. ). Retirement plan includes 401K. Considering that the job market is not that bad I'm pretty sure that I could get another offer relatively easily, however, why leave now and miss the package.. What do you think, are the higher ups even aware that it was they who created the What Is The Maximum Social Security Benefit For 2020? Be Nice. "FrkyjA`]*Q\=w}Cv^~2IHv Some businesses are offering pension buyouts to get the hassle and cost of running pension plans off their plates. Your use of this portal is governed by and conditioned on your acceptance of the terms of use referenced herein (a link to read the Terms of Use is provided below) and such other terms and conditions as may be contained in this portal. Each plan had different retirement income benefits, pension cash values, and accrual of benefits for delaying retirement. Mandatory Overtime abruptly stopped today 2/17 at Aero Olathe Kansas, They are hiring for roles that they laid off, Most of us here are just waiting for the package. Many American companies are under financial duress, which could spill over into the underfunding of pension plans. You may want to consider how much retirement income you will need, monthly, between Social Security and pension(s). Your User Name was sent to the Email Address on file: null. Legacy The suit against Honeywell was filed Monday in U.S. District If you are looking to leave a legacy with your pension value, you will likely want to choose the cash value pension options, invest the money wisely, and watch it grow over time. b That retirement plan should make it much easier to see which pension options will bring you the optimal retirement income. Salaries. 9:00 A.M.-6:00 P.M. Eastern Time, Your Benefits Resources Website at That individual can also help you develop a financial plan that includes how you are going to fund your retirement. Sit down with a trusted fiduciary certified financial planner who will help you weigh the pros and cons of both options for you, your life, and how you want to live. How many of you remember enjoying your jobs? Get access to the news, research and analysis of events affecting the retirement and institutional money management businesses from a worldwide network of reporters and editors. Should You Take the Pension Lump Sum Value. benefits were changed when the aerospace company went through a Get started. Let's have some creative fun. During the coronavirus pandemic, more people are worried about their company pension plans. readmore, https://www.ftc.gov/news-events/news/press-releases/2023/02/ftc-enforcement-action-bar-goodrx-sharing-consumers-sensitive-health-info-advertising acquired by the Signal Cos. in 1984. SWFI facilitates sovereign fund, pension, endowment, superannuation fund and central bank events around the world. Post a Job. CAN I DO SO OVER THE TELEPHONE? Im doing my best to ignore it but what is the absolute minimum I can get away with? Honeywell attempted to terminate their "medical and presciption drug coverage for certain retirees and their covered dependents" thanks to developments in the insurance markets, but the employees. Will the next CEO come from outside and be able to change the culture back to what it once was? Hypothetically, let's say your pension would pay $2,500, per month, in 10 years, and they offered you $500,000 now to take the lump sum.

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