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Pension and retirement plan topics for HP, HPE, EDS, and DEC alumni
If you know someone dealing with possible layoff, considering retirement, or has recently left, send them this link. Practical advice from HP and HPE alumni who have gone through past cycles: https://www.hpalumni.org/leaving (Public website. No password required.)
Menu of financial topics: Financial Menu
From former employees of HP and HPE. (Updated Sep 4, 2025) Not officially endorsed or supported. Click to join the HPAA Question? Email us: info@hpalumni.org
Received a "Potential Private Retirement Benefit" letter from U.S. Social Security? How to decode the letter and who to contact, if necessary: "Potential Benefit" letter
HP Inc is the overall legal successor to Hewlett-Packard and to companies acquired by Hewlett-Packard before Nov 1, 2015 – Compaq, EDS, etc. – regardless of whether a business unit ended up in HP Inc or HPE. Unofficial directory of HP/HPE acquisitions For employees of HP -- and predecessor companies -- who left before the HPInc/HPE separation, responsibility for any health or retirement benefits varies from country to country. For the US, HP Inc has responsibility. For Canada and UK, HPE has responsibility. In many countries, plans were split between HP Inc and HPE. See: Where are my benefits?
Hewlett Packard Enterprise (HPE) is the overall legal successor to companies acquired by HPE – such as Cray, Juniper, Nimble, etc.
US Pension:
- HP Inc: The HP Retirement Service Center is the primary administrator for HP Inc US pension and 401(k) accounts, including any accounts for companies that Hewlett-Packard acquired before Nov 1, 2015 (Compaq, DEC, EDS, etc.) Operated by Fidelity Investments. 1-800-457-4015 (If no password, keep hitting #.) (Outside US 1-508-787-9902 collect.) https://nb.Fidelity.com (Members advise that local Fidelity offices are focused on sales.)
- HPE: The HPE Retirement Service Center is the primary administrator for Hewlett Packard Enterprise US pension and 401(k) accounts, including any accounts for companies that HPE acquired since Nov 1, 2015 (Cray, Juniper, Nimble, etc.) Operated by Fidelity Investments. 1-800-409-4015 (If no password, keep hitting #.) (Outside US 1-508-787-9902 collect.) https://nb.Fidelity.com (Members advise that local Fidelity offices are focused on sales.)
- EDS Legacy Plan: If you were employed in the US by EDS or "EDS, an HP Company" before Jan 1, 2009 -- you may have an EDS pension, which has been merged with an HPInc pension plan: https://www.hpalumni.org/edsPension
UK Pension -- HP, DEC, EDS. Links and member advice: https://www.hpalumni.org/country-uk
Former-employee contacts:
- HP Inc worldwide former-employee contacts: https://content.ext.hp.com/sites/CountrySupport/CountrySelector.page HP Inc worldwide office directory: https://www.hp.com/us-en/contact-hp/ww-office-locs.html HP Inc headquarters: 10300 Energy Drive, Spring, TX 77389. (At a US Post Office window, you can specify Certified Mail combined with Return Receipt.)
- HPE worldwide former-employee contacts: Website: https://myhperewards.com/main/leaving-or-retiring.html Worldwide contact form: https://hr.ext.hpe.com/modal/External-Form HPE worldwide office directory: https://www.hpe.com/us/en/ww-office-locations.html HPE headquarters: 1701 E Mossy Oaks Rd, Spring, TX 77389. (At a US Post Office window, you can specify Certified Mail combined with Return Receipt.)
Death or disability of a former employee. Stock, pension, dependent health coverage, and other issues: Reporting death or disability of a former employee
The key document for a US employee retirement or health plan is the legal Summary Plan Description (SPD). It includes plan details and an address at the employer for appeals. The current SPD takes precedence over any other written, online, or verbal information you may have been given -- but is still subject to change. The employer's plan administrator is required by law to provide the SPD upon request. How to obtain and decode: https://www.hpalumni.org/SPD-decode
If you are leaving the company, use our ASAP Checklist for additional information on this topic.
Join the HPAA Finance Forum.
Member Advice: How to Choose a Financial Advisor. You need to understand the role and motivations of each person and company. Financial Advisor
Should you take a lump-sum or a monthly pension? For notes from HPAA discussions, go to https://www.hpalumni.org/RetirementPlans-LumpSum
Classification as "Retired." If an employee left at 55 or older with at least 10 years of service, or left after 2010 with age-plus-years-of-service of at least 80, or left under an early retirement program -- HP and HPE generally classify the employee as "retired" -- regardless of how they left and whether or not they have any retiree benefits. (HPE also mentions "...or age 55 or older with at least 70 age-plus-service 'points' for equity grants.") This is reported to outside payroll and employment verification services, but doesn't seem to have any negative consequences. Inquiries from state Unemployment Dept. claims examiners go to a specific group in HR, which replies via letter. Over the years, members have reported that HP did not block their UI claims.
Which HP-related companies have me classified as a retiree or former employee? Due to acquisitions and spinoffs, may not be obvious: Which Company
U.S. pension change. In 2020, HP Inc irrevocably
transferred pension administration and $5.2 billion in
payment obligations for 41,000 U.S. HP, DEC, and EDS
retirees to Prudential Insurance Company
through the purchase of a group annuity contract. Business
later sold to Empower. Details:
hpalumni.org/pension2021
Basics of 401(k) plans. 401(k) Basics How the 401(k) has evolved How the 401(k) has replaced pensions
How to investigate a retirement benefit plan Topics: Check for lost property. Which company is currently responsible for the benefit. If you worked for a predecessor company. How to contact the current administrators. Surviving spouse provisions. Legal postal contact addresses. https://www.hpalumni.org/RetirementPlans-Investigate
We have details on major HP-related plans: Retirement Plan Index
HPE: The HPE Retirement Service Center is the primary administrator for Hewlett Packard Enterprise US pension and 401(k) accounts, including any accounts for companies that HPE acquired since Nov 1, 2015 (Cray, Juniper, Nimble, etc.) Operated by Fidelity Investments. 1-800-409-4015 (If no password, keep hitting #.) (Outside US 1-508-787-9902 collect.) https://nb.Fidelity.com (Members advise that local Fidelity offices are focused on sales.)
Plan details: HPE 401(k) 11K SEC filing 06/10/21
Service at predecessor companies. Of the many predecessor companies, only HP, DEC, and EDS ever had U.S. pension plans. Only HP and DEC ever had U.S. retiree healthcare plans. Over the years, the companies set aside money in a dedicated trust fund for each plan. The benefits originally promised assumed continued high profit levels. Each plan was eventually closed to new participants.
Employees of other acquisitions did not have those expectations and there were no plans -- with associated trust funds -- to pass on to an acquiring company.
As employees were added to the retirement plans in effect at the time of acquisition, they did not get credit for service at the predecessor. However, they generally did get service credit for other benefits, such as vacation/FTO. DEC Benefits EDS Benefits
Find help if experiencing a problem with a U.S. pension, profit sharing or retirement savings plan, answer questions to locate the agencies that can help with your issue: https://www.pensionhelp.org
2015: HPInc/HPE Breakup.
"Overall, HP's pension plans are well funded and we continue to make contributions to pensions based on local funding requirements. HP is committed to maintaining funding in accordance with relevant pension funding rules, and this will not change following the business separation. Keep in mind any vested HP pension benefits you maintain are obligations of the pension plan itself, rather than HP. [Emphasis added] HP has made contributions to fund these benefits in a separate trust over time, and pension benefits are subject to minimum funding requirements that will continue even after the separation."
--Posted March 17, 2015 under "Retiree News" on "HP Continuum" -- HPInc's official US retiree social networking site. Includes details on retiree discounts -- plus benefits material not available on MyHPBenefits. Join at https://www.hpcontinuum.com
Rest assured, you will not lose any retirement benefit value as a result of the separation, and you will not need to take any action. If you still have benefits remaining in an HP pension plan or the HP 401(k) Plan, the value, timing, and method of your payments will not change, and you will not need to take any action. For more details about how your individual retirement benefits will be affected by the separation, watch for a personalized retirement announcement that will be mailed to your home in early September.
--From HP's August 27, 2015 message to US retirees
Pension Lump-Sum Payout Offers.
- US HP Pension Lump-Sum Payout Offer 2016 https://www.hpalumni.org/pension2016
- US HP Pension Lump-Sum Payout Offer 2020 https://www.hpalumni.org/pension2020
- US EDS lump-sum payout offers. HP made several lump-sum payout offers to specific segments of EDS retirees over the years: https://www.hpalumni.org/edsPension
Related topics...
Future of retiree healthcare: HP never made any explicit commitment to provide retiree healthcare in the entire history of the company. Of HPInc's many predecessor companies, only DEC had retiree healthcare. Prices paid by retirees will continue to rise due to the cap put in place in 2010. Details
Stock. If you were ever an HP shareholder, you may now have shares of HPQ, HPE, Keysight, and/or Agilent – in different accounts. If ever an HPE shareholder, you may now have shares of DXC – and may not have received cash payouts for MFGP and PRSP. Find it all – and estimate your current cost basis: HP/HPE-Related Stocks
Other benefits issues -- such as Social Security, Pension, 401(k), Stock, Medicare, annual enrollment, COBRA, troubleshooting retiree health coverage, etc:. HPAlumni Benefits Menu
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