Upcoming Dates for RS Plan Benefit Estimates

If you have participants in the Retirement Security (RS) Plan who are considering separating from service in the coming months and taking a single cash payment, there are some upcoming dates to keep in mind.

• Final interest rates that will be used to calculate payments for 2027 event dates are expected to be released by the IRS in late October.
• Distribution option forms requested between October 1–20 for a 2027 event date will be held by NRECA until final rates are available, so the correct benefit amount will be shown.
• Please note that participants can contact the Personal Investment & Retirement Consulting (PIRC) team to request that their option forms be sent at the earliest opportunity (i.e., following the release of 2027 rates, if a single cash payment is desired). Otherwise, option forms are generally sent approximately 45 days prior to the annuity start date (regardless of distribution type chosen), which in some cases could result in the participant receiving option forms toward the end of 2026.
• Standard estimate requests can be submitted using the Retirement Security Plan Estimate tool on the Employee Benefits website.
• Special benefit estimate requests (requiring manual calculation) must be received by NRECA by October 30 for guaranteed delivery by year-end. If a benefit estimate is intended for a 2027 event date, it should indicate “hold for rates.” These estimates will be delivered within 5-6 weeks after the 2027 rates are released.

If you have questions about the RS Plan estimate request process, please contact your field representative or the Member Contact Center at 866.673.2299 or contactcenter@nreca.coop.

Members of the Personal Investment & Retirement Consulting (PIRC) team are available to assist plan participants with their retirement planning and may also assist participants in obtaining updated RS Plan estimates. The PIRC team can be contacted at pirc@nreca.coop or 866.673.2299, option 6.