Managing your retirement benefits is a critical part of your financial well-being. For employees and former employees of Cummins, accessing retirement accounts requires knowing the correct platforms, understanding the various plans available, and having the right login information. This guide provides a comprehensive overview of how to log in to your Cummins retirement benefits, including for 401(k), pension, and savings plans.
Table of Contents
Key Access Points for Cummins Retirement Accounts
Cummins uses different service providers for different benefits. The platform you use depends on which benefit you are trying to access.
Your Benefits Resources (RSP and Pension)
For retirement and savings plans (RSP) and pension plans, the primary portal is Your Benefits Resources. This portal is used to update beneficiary information, check balances, and manage your investments.
- Website: yourbenefitsresources.com/cummins
- Purpose: Access your Cummins Retirement and Savings Plan (RSP) and Pension Plan. You can update your beneficiary details by logging in and navigating to the Profile menu and selecting Beneficiaries .
- Contact: Cummins Retirement Benefits Service Center at 1-800-682-8788 (Monday through Friday, 7:00 a.m. to 6:00 p.m. Central time) .
Cummins Health Benefit (CHB) Site
For health-related benefits, you will use the Cummins Health Benefit site.
- Access: The CHB site is a separate portal primarily for health and insurance benefits, though it can also be used to designate beneficiaries for life and accident insurance .
- New Users: First-time users should select REGISTER to create a personalized user ID and password. You will need to review Empyrean Terms of Use and acknowledge them .
Cummins UK Pension Plan
For employees in the UK, a dedicated portal exists for the Cummins UK Pension Plan.
- Website: www.cumminsukpensions.co.uk
- Login: Click on Manage my pension at the top of the screen .
- Login Information: You will need your email address, National Insurance number, and member number (which you can find on any letter from the Plan) .
- Features: You can view your pension fund, update personal details, change contribution levels, and access your pension payslips .
Alight (formerly Aon) for Cash Balance Plans
Some retirement plans, such as the Cash Balance Retirement plan, are administered through Alight.
- Website: https://leplb0820.upoint.ap.alight.com/ah-angular-afirst-web/#/web/cummins/login?forkPage=false
- Note: Access for some transactions may be limited depending on your age. For example, if you are over 65, you might need to call Alight at 1-800-682-8788 to establish a PIN for certain processes .
Important Actions to Take When Logging In
Once you have access to your accounts, it is essential to keep your information up to date.
Update Your Beneficiaries
Keeping your beneficiary designations current is one of the most crucial steps in retirement planning. Marriage, divorce, or other life events can change your wishes.
- For 401(k) and Pension: Log in to Your Benefits Resources (yourbenefitsresources.com/cummins), go to the Profile menu, and select Beneficiaries. You will need to designate beneficiaries for both your RSP and your Pension Plan separately .
- Married vs. Unmarried: If you are married, your spouse is automatically your beneficiary for your retirement plans unless you elect a different beneficiary with your spouse’s written consent, which must be notarized. If you are unmarried, you may designate any individual or trust as your beneficiary .
Manage Your Investments
The online portals allow you to view your fund balances and manage your investment allocations. For instance, through Your Benefits Resources, you can track the value of your holdings and make investment changes . For the UK pension, the My Pension Tracker allows you to adjust your contribution levels and see how employer contributions are impacted .
What if You Can’t Log In?
If you have forgotten your login credentials or have never registered, here is what to do:
- Try the ‘Register’ or ‘Forgot Password’ Links: Most portals have these options on the login page .
- Contact the Service Center: If you cannot reset your password online, call the specific service center for your plan:
- Check with HR: Your former employer’s HR department must provide you with plan administrator details upon request .
FAQs
1. How do I log in to my Cummins 401(k) account?
You can log in to the Your Benefits Resources website at yourbenefitsresources.com/cummins to access your retirement savings plan. If you are a former employee, you can also contact the Cummins Retirement Benefits Service Center at 1-800-682-8788 for assistance .
2. How do I update my beneficiaries for my Cummins pension?
Log in to Your Benefits Resources (yourbenefitsresources.com/cummins), navigate to the Profile menu (top right of the homepage), and select Beneficiaries. From there, you can add or update beneficiaries for your RSP and Pension Plan .
3. What is the difference between the RSP and the Pension Plan?
The RSP (Retirement and Savings Plan) is a defined contribution plan (like a 401(k)), where you and Cummins contribute to a personal account that is invested. The Pension Plan is a defined benefit plan that provides a guaranteed payout based on a formula, such as years of service and salary .
4. How do I access my Cummins UK pension?
You can access your UK pension by visiting www.cumminsukpensions.co.uk and clicking on Manage my pension. You will need your email address, National Insurance number, and member number to log in .
5. What should I do if I forgot my password for the retirement portal?
Use the Forgot Password or Register link on the portal’s login page. If you are still unable to log in, call the Cummins Retirement Benefits Service Center at 1-800-682-8788 (US) or contact the Plan administrator for the UK plan .
Article Summary
This guide provides a comprehensive overview of how to access and manage Cummins retirement benefits online. It covers the key login portals—Your Benefits Resources for US 401(k) and pension plans, the Cummins Health Benefit site, the Cummins UK Pension Plan portal, and Alight for cash balance plans. It includes step-by-step instructions on updating beneficiaries, managing investments, and troubleshooting login issues, along with the necessary contact numbers.
References
- Office Committee Union. “Designate Beneficiaries.” Available at: https://www.officecommitteeunion.org/benefits/designate-beneficiaries/
- Cummins UK Pension Plan. “The basics.” Available at: https://www.cumminsukpensions.co.uk/the-basics/
- Cummins UK Pension Plan. “DC Member Guide.” Available at: https://www.cumminsukpensions.co.uk/media/documents/cummins-dc-member-guide.pdf
- JustAnswer. “Reviewing Your Old 401(k) from Cummins.” Available at: https://www.justanswer.com/finance/ss063-review-401k-old-job-months-ago-cummins.html
- Office Committee Union. “New Hire Information.” Available at: https://www.officecommitteeunion.org/benefits/new-hire-information/
- SEC Filing. “Atmus Stock Fund RSP.” Available at: https://content-archive.fast-edgar.com/20240214/AWBZUQ2C8M22BZZ2222P2ZZZEPURZ2X2NL62/atmu-20231231xex99d8.htm
- Cummins UK Pension Plan. “What if I die?” Available at: https://www.cumminsukpensions.co.uk/db/what-if-i-die/
- Cummins UK Pension Plan. “DC Member Guide.” Available at: https://www.cumminsukpensions.co.uk/media/documents/dc_member_guide.pdf
- Cummins UK Pension Plan. “Pension News Spring 2024.” Available at: https://www.cumminsukpensions.co.uk/media/documents/pension-news-spring-2024_db.pdf
- Cummins UK Pension Plan. “Leaving Cummins.” Available at: https://www.cumminsukpensions.co.uk/leaving-cummins/
- MyPlanIQ. “CUMMINS INVESTMENT CORPORATION 401(k) Plan Review.” Available at: https://webmail.myplaniq.com/invest/planinfo/cummins-investment-corporation-401k-profit-sharing-plan/
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