Helping You Save for Retirement

Ready to join?

Illinois Secure Choice is an easy way to save for retirement. Take the first step in your retirement savings journey and set up your account today.

See how it works.

Illinois Secure Choice was Built For You

It’s easy to start saving for retirement through Illinois Secure Choice. You can automatically save a part of each paycheck in your own Individual Retirement Account (IRA). Your account stays with you if you change jobs and you can adjust your savings rate and investment elections to fit your savings needs.

Illinois Secure Choice is available to anyone who wants to start saving. It’s simple and only takes a few moments ̶̶ you can enroll today.

If your employer starts facilitating the program, you can be automatically enrolled in the program. Once enrolled, you will automatically start saving a percentage of your paycheck into your own IRA.

Not ready to save?

If now isn’t the right time to start saving for retirement, you may opt out online or by calling the Client Service Team. Before you do, explore how even saving a small amount could impact your retirement savings by using our retirement savings calculator.

Getting Started

Once you receive notification from Illinois Secure Choice, you have three options:

Register

If you choose to participate in Illinois Secure Choice, you’ll need your Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), Illinois Secure access code from your notification, date of birth, and zip code.

After you’ve set up your account, you have the ability to customize your savings and investment elections, add beneficiaries, make a withdrawal, or manage your personal information at any time.

Do nothing

If no action is taken, you will be automatically enrolled with the default savings and investment elections after 30 days.

Opt Out

If you do not want to participate in the program, you can opt out at any time online, by filling out the Opt Out form, or calling the Client Service Team.

Calculate Your Possible Savings

Do you want to know the impact Secure Choice could have on your retirement? Use our simple retirement calculator to see how different savings options could impact your future.

You’ve exceeded an IRS Limit
  • If you file your taxes as single, the IRS modified adjusted gross income limit to be eligible for a Roth IRA is $135,000
  • If you file your taxes as married/joint, the IRS modified adjusted gross income limit to be eligible for a Roth IRA is $199,000
  • If you're under 50 years old, the maximum amount you can save for year {{date| date:'yyyy'}} is {{maxAmountContribution | currency}}
  • If you're 50 or older, the maximum amount you can save for year {{date| date:'yyyy'}} is {{maxAmountContribution + 1000 | currency}}.
  • Please enter value smaller than 500,000.
For this calculator, the maximum value allowed is {{maxValueAllowed | currency}}
For this calculator, the maximum value allowed is {{maxValueAllowedHr | currency}}

This is the rate taken out of your paycheck.

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The current age must be less than {{retirementAge}}.
For this calculator, the maximum retirement age is {{retirementAgeMax}}.

Retirement Outlook

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by the age of {{retirementAge}}

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For this calculator, the maximum value allowed is {{maxValueAllowed | currency}}/{{maxValueAllowedHr | currency}}
The current age must be less than {{retirementAge}}.
For this calculator, the maximum retirement age is {{retirementAgeMax}}.

The results displayed are hypothetical. Please see the "How this works" section on our calculator page to learn more. For a more detailed view of these results please visit the full calculator page.

1Social Security Administration, Fast Facts & Figures about Social Security, 2015.

2David Blanchett, Estimating the True Cost of Retirement, June 30, 2015.