Savings and Retirement

Whether you’re near retirement, just starting your career or somewhere in between, there are steps you can take to help build a solid financial future. Our retirement program is designed to help you build personal wealth and prepare for your financial needs during retirement. We encourage you to take the time to learn about and participate in our savings and retirement plans so you can start saving for your future retirement.

  • 401(k) Savings Plan

    The Investment-Incentive Plan (TIP) allows you to make pre-tax, post-tax and Roth 401(k) contributions. The Company matches your pre-tax and/or Roth 401(k) contributions dollar-for-dollar up to 4% of eligible pay and is immediately vested. New hires are automatically enrolled after 60 days at a 4% pre-tax contribution rate (in order to receive the full Company match) with investments directed to the John Hancock Balanced Lifestyle Fund. You may roll over a balance from an eligible retirement plan at any time. You also have a variety of investment options to choose from. For more information or to enroll, visit Your Benefits Resources or call 866-927-4968.

  • Cash Balance Pension Plan

    As an eligible employee, you are automatically enrolled in the Cash Balance Pension Plan on your first day of work. Your account will receive quarterly pay credits equal to 4% of your eligible compensation up to the Social Security taxable wage base (SSWB) and 8% of your eligible compensation above the SSWB, up to the IRS compensation limit. Contributions are 100% Company funded and you are 100% vested after completing three years of service. For more information, visit Your Benefits Resources, or call

  • Financial Planning Benefit

    Are you just getting started saving for retirement? Have a question about how to invest your funds? No matter your financial situation, we can connect you with trained financial advisors that will assess your personal financial situation and prepare a program designed to help you meet your financial goals and objectives. As part of the Financial Planning Benefit, you can be reimbursed up to $400 for qualified financial planning expenses each year. For more information visit the AskHR and search "FinanceMatters."

  • Financial Education Center

    The Financial Education Center provides financial education and advice to help you make the right decisions for your financial future. Whether it is analyzing the investment options in your 401(k) plan, saving for your children’s college fund, managing debt or planning for retirement, the Financial Education Center can help. Visit Your Benefits Resources and click on the “Help with Financial Decisions” link under the “Other Benefits” tab to browse the content. Investment specialists are also available to answer your financial questions and to help guide you through potential options that meet your needs. To speak with an investment specialist, call

  • Global Share Ownership Plan (GSOP)

    As an eligible employee, you can contribute between 1% and 5% of your eligible pay to purchase shares of Manulife stock as part of our Global Share Ownership Plan (GSOP). The Company will match 25% of your contributions, up to a maximum match of $2,000 per year. For example, if your eligible salary is $50,000 and you elect to contribute 5%, the total annual contribution to purchase your shares of Manulife stock would be $3,125 ($2,500 of your contributions and $625 in Company match). Buck provides plan member support and administration for the U.S. GSOP. You are able to access your GSOP account via The website offers the convenience of real-time trading and the ability to make online withdrawals from the plan.

  • John Hancock Products for Employees

    You have access to several products that you can take advantage of at an employee discount. Click here to learn more.

John Hancock and Manulife Financial reserve the right to modify or amend, at any time and in any way whatsoever, the terms of these plans, including eligibility requirements, and to terminate the plans completely.