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Use the form on the right to contact us with general questions or select from the links below for specific services.

Home Health

Private Services

Hospice

Messages will be answered as soon as possible. For urgent matters please call:

636-926-3722 in St. Charles

314-685-3722 in St. Louis

or

618-310-1591 in Illinois

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Phone
Phone
Address
Address

115 Piper Hill Drive Suite 200
St. Peters, Mo 63376
United States

(636)926-3722

1 Company 3 Services. Nurses & Company provides Home Health, Hospice and Private Service Care to the great St. Louis and St. Charles area. As a locally owned and operated company we are proud to care for our neighbors each day. Let us be a part of your health care journey and experience our continuity of care.

401 K

   

NURSES & COMPANY RETIREMENT SAVINGS PLAN
COMMON QUESTIONS ABOUT OUR 401(k) PLAN

The following questions and answers highlight some of the important parts of our Plan. Remember, these are only highlights. The Summary Plan Description ("SPD") describes the Plan in much greater detail. If you have any questions about these highlights, the SPD, or the Plan, you should ask the Administrator.
Q. Why is your Employer sponsoring a 401(k) Plan?
A. Your Employer is sponsoring this Plan so that you may save for retirement. This Plan is a type of qualified retirement plan commonly referred to as a 401(k) Plan. As a Participant under the Plan, you may elect to contribute a portion of your compensation to the Plan. In addition, your Employer may make contributions to the Plan on your behalf.
Q. How do I participate in the Plan?
A. Provided you are not an Excluded Employee, you may begin participating under the Plan once you have satisfied the eligibility requirements and reached your Entry Date. The following describes the eligibility requirements and Entry Dates that apply.
Salary Deferrals
Excluded Employees. If you are a member of a class of employees identified below, you are an Excluded Employee and you are not entitled to participate in the Plan for purposes of salary deferrals. The Excluded Employees are:
 union employees whose employment is governed by a collective bargaining agreement under which retirement benefits were the subject of good faith bargaining, unless the collective bargaining agreement requires the employee to be included within the Plan
 certain nonresident aliens who have no earned income from sources within the United States
Eligibility Conditions. You will be eligible to participate for purposes of salary deferrals when you have completed 12 months of service and have attained age 21. However, you will actually enter the Plan once you reach the Entry Date as described below.
Entry Date. For purposes of salary deferrals, your Entry Date will be the first day of the month coinciding with or next following the date you satisfy the eligibility requirements.
Matching Contributions
Excluded Employees. If you are a member of a class of employees identified below, you are an Excluded Employee and you are not entitled to participate in the Plan for purposes of matching contributions. The Excluded Employees are:
 union employees whose employment is governed by a collective bargaining agreement under which retirement benefits were the subject of good faith bargaining, unless the collective bargaining agreement requires the employee to be included within the Plan
 certain nonresident aliens who have no earned income from sources within the United States
Eligibility Conditions. You will be eligible to participate for purposes of matching contributions when you have completed 12 months of service and have attained age 21. However, you will actually enter the Plan once you reach the Entry Date as described below.
Entry Date. For purposes of matching contributions, your Entry Date will be the first day of the month coinciding with or next following the date you satisfy the eligibility requirements.
2
Profit Sharing Contributions
Excluded Employees. If you are a member of a class of employees identified below, you are an Excluded Employee and you are not entitled to participate in the Plan for purposes of profit sharing contributions. The Excluded Employees are:
 union employees whose employment is governed by a collective bargaining agreement under which retirement benefits were the subject of good faith bargaining, unless the collective bargaining agreement requires the employee to be included within the Plan
 certain nonresident aliens who have no earned income from sources within the United States
Eligibility Conditions. You will be eligible to participate for purposes of profit sharing contributions when you have completed 12 months of service and have attained age 21. However, you will actually enter the Plan once you reach the Entry Date as described below.
Entry Date. For purposes of profit sharing contributions, your Entry Date will be the first day of the month coinciding with or next following the date you satisfy the eligibility requirements.
Q. What are salary deferrals and how do I contribute them to the Plan?
A. Salary Deferrals. As a Participant under the Plan, you may elect to reduce your compensation by a specific percentage or dollar amount and have that amount contributed to the Plan. This amount if referred to as a salary deferral. There are two types of salary deferrals: Pre-Tax 401(k) deferrals and Roth 401(k) deferrals. For purposes of this SPD, "salary deferrals" generally means both Pre-Tax 401(k) deferrals and Roth 401(k) deferrals. Regardless of the type of deferral you make, the amount you defer is counted as compensation for purposes of Social Security taxes.
Pre-Tax 401(k) Deferrals. If you elect to make Pre-Tax 401(k) deferrals, then your taxable income is reduced by the deferral contributions so you pay less in federal income taxes. Later, when the Plan distributes the deferrals and earnings, you will pay the taxes on those deferrals and the earnings. Therefore, with a Pre-Tax 401(k) deferral, federal income taxes on the deferral contributions and on the earnings are only postponed. Eventually, you will have to pay taxes on these amounts.
Roth 401(k) Deferrals. If you elect to make Roth 401(k) deferrals, the deferrals are subject to federal income taxes in the year of deferral. However, the deferrals and, in most cases, the earnings on the deferrals are not subject to federal income taxes when distributed to you. In order for the earnings to be tax free, you must meet certain conditions. See "What are my tax consequences when I receive a distribution from the Plan?"
Q. When will I receive payments from the Plan?
A. The Plan is designed to encourage you to stay with the Employer until retirement. Payment will generally occur at your Normal or Early Retirement Date, unless you postpone your actual retirement. Your Normal Retirement Date is the date on which you attain your Normal Retirement Age. You will attain your Normal Retirement Age when you reach your 65th birthday. Your Years of Service will be determined using Years of Service for vesting. You may elect to retire when you reach your Early Retirement Date.
Q. How much will I be paid when I retire?
A. The amount you are paid when you retire will be based upon the amount of money your Employer has put into the Plan for you (including your salary deferrals), plus or minus any earnings or losses. You should review the Article in the SPD entitled "Employer Contributions" for an explanation of how your Employer makes contributions to the Plan and how they are shared by eligible employees.
Q. How will payments be made when I retire?
A. All distributions from the Plan will be made in a single lump-sum payment. If your vested account balance exceeds $5,000, you must consent to the distribution before it may be made.
You should review the Article in the SPD entitled "Benefits and Distributions Upon Termination of Employment" for a further explanation of the rules associated with the payment of benefits.

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