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1As a new employee making an election for the first time, your contribution will not be deducted from your pay until after the 1st of the next quarterly Plan entry date. If you have not made an
election by the first day of the entry date coinciding with your date of hire or entry date following your date of hire, your initial election has been recorded as zero pending your decision to change
that election.
2Highly Compensated Employees (HCEs), associates with earnings of $125,000 or more in the previous calendar year, will be restricted to $9,500 in contributions for the 401(k) in the current
calendar year and are eligible to participate in the Cognizant Supplemental Retirement Plan. HCEs aged 50+ can make catch-up contributions up to $6,500 for a total of $16,000.
1. Click on the “Life Event” button > “Update 401(k) Deferral Amount”
2. Enter Today’s date as the effective date
3. Click on “Start Change”
4. Change the percentage amount > “Next”
5. Review your elections > click “Approve”
6. Click on “I Agree” > “Next”
7. Save or print the confirmation page for your records
MassMutual is the administrator of the Cognizant 401(k) Plan. After enrolling on cognizantbenefits.com you are
able to access the MassMutual website approximately one week prior to your first scheduled contribution.
Log in to MassMutual’s website at retiresmart.com and click “Register for Online Access”
Follow the instructions and answer a few validation questions
On this website you can allocate your contributions among the various investment options offered under the
plan In addition, you will receive a quarterly retirement plan statement from MassMutual.
Log in to MassMutual’s website at retiresmart.com and click “Register for Online Access”
Follow the instructions and answer a few validation questions
On this website you can allocate your contributions among the various investment options offered under the
plan In addition, you will receive a quarterly retirement plan statement from MassMutual.
Please update your delivery method to electronic to ensure receipt of your statements and important
disclosures. To make this update, click on your name, then preferences, input your personal email and select
Personal Email Notification
A primary beneficiary (or beneficiaries) is the first person (or persons) to receive the benefit while the secondary
beneficiary (or beneficiaries) is the secondary person (or persons) to receive the benefit should the primary not be able
to assume the benefit.
To ensure your benefits will be distributed according to your wishes upon your death, you must keep your beneficiary
information up- to-date. Refer to the Beneficiary Guide located in the Reference Center for more information on updating
your beneficiary information.
Need Assistance?
The Benefit Desk Phone: (877) 561-0984 Registration assistance
Hours: 8am-8pm, Monday through Friday, EST 401(k) Enrollment assistance
Email: TheBenefitDesk@businessolver.com