Vesting

You vest in—or earn ownership of— employer contributions to your AHRP account and the related earnings based on how long you’ve worked for an AHRP employer.

Earning Vesting Service

As of 2007, you earn one year of vesting service during any calendar year that you’re paid for at least 1,000 hours and are age 18 or older by year end.

Before 2007, the same rules applied and you had to be working in a benefits-eligible position.

5-Year Vesting Period

The money you contribute to your AHRP account, and any earnings on those contributions, are always yours.

To be fully vested in AHRP employer contributions and earnings, you need five years of vesting service with any AHRP participating employer. You may also receive vesting service credit for work at other Seventh-day Adventist employers.

Years of ServiceVesting %
Less than 5 years 0%
5 years or more 100%

What Happens If You Leave

If you leave your employer and you have:

  • 5 years or more of service—You are fully vested and have access to 100% of the employer contributions and earnings in your account. You decide what to do with the vested contributions: keep the money in your AHRP account, roll it over to another plan, or take it with you.
  • Less than 5 years of service—You are not fully vested and you lose the employer contributions and earnings.
  • Less than 5 years of service but are reemployed by an AHRP participating employer—The employer contributions and earnings you lost may be restored to your account. This applies if the time you were away was less than amount of vesting service you had earned before you left.

For More Information

If you have questions about the rules that apply to vesting, see the Summary Plan Description or contact your Human Resources department for details.