Plan Sponsors

If your institution is seeking a way to reduce the unfunded liability of your defined benefit retiree health plan and still provide healthcare benefits for your employees, or you wish to implement a new retiree health plan, our suite of programs may be the answer. The collaboration between TIAA-CREF and Emeriti Retirement Health Solutions (Emeriti) provides a suite of retiree healthcare defined contribution programs that enable you to select and tailor a plan that best meets the needs of your institution and your employees. You can set up a simple, tax-advantaged way for your employees to save for health-related expenses in retirement with the TIAA-CREF Retirement Healthcare Program (RHP), or provide the Emeriti solution, which also includes nationally portable group health insurance.

Both programs:

  • enhance your overall benefits package,
  • enable you to design a cost-effective, defined contribution retiree healthcare plan,
  • reduce challenges associated with FAS 106 or GASB accounting requirements,
  • provide for simplified administration with your retirement plan, and
  • allow for employer contributions, which can help improve employee morale and overall satisfaction with your benefits offering.

Both programs provide:

  • a tax-advantaged way to set aside funds to pay for qualified medical and health-related expenses in retirement,
  • the potential for tax-free earnings, and
  • tax-free reimbursements for qualified medical expenses for participants, their spouses and dependents.


About the TIAA-CREF RHP:
Talk to your Relationship Manager or call the Plan Sponsor Telephone Center at 888 842-7782.

About Emeriti:
Phone:866 685-6565; Fax: 866 686-6565