08.01.2025

Emergency Savings You Can Access Through Workplace Benefits

This August, America Saves is highlighting the importance of Saving for an Emergency and how to take the first steps, even if you haven’t started an emergency fund yet.

This August, America Saves is highlighting the importance of Saving for an Emergency and how to take the first steps, even if you haven’t started an emergency fund yet.

This micro toolkit was created to help you share timely, practical information about often-overlooked emergency savings tools available through some employer-sponsored retirement plans. While these options aren’t brand new, they offer a simple way to align your messaging with this month’s theme and support individuals in building financial resilience.

Inside the toolkit, you’ll find a flyer-style one-pager, graphics, blog content, email copy, and ready-to-use social media posts. These resources are designed to help the individuals you support take small, confident steps toward building an emergency fund, starting at work.

While these tools can offer support in a financial emergency, they aren’t a replacement for a traditional emergency fund. We encourage savers to explore all their options and use these tools thoughtfully, with an eye toward long-term financial security.

Emergency Savings Through Workplace Benefits

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One Pager Download: Emergency Savings Through Workplace Benefits

Download the Emergency Savings Through Workplace Benefits one-pager.

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Sample Social Media Posts

Facebook Post (Saver-Facing)

Emergencies happen! Car repairs, medical bills, and surprise travel. Are you ready?

Many people don’t know this, but some jobs now offer emergency savings tools built right into your retirement plan.

Thanks to updates in federal law, you might be able to:

✅ Save up to $2,500 in a linked emergency savings account
✅ Take a $1,000 penalty-free emergency withdrawal

These tools can help you build financial peace of mind, starting right at work.

@AmericaSaves breaks it all down in their new guide: 

https://americasaves.org/resource-center/insights/new-ways-to-save-for-emergencies-through-your-workplace-retirement-plan/

X (Twitter) Saver -Facing

You might already have access to emergency savings tools through your job.

@AmericaSaves explains how some retirement plans now let you:

✅ Save $2,500 in a linked account
✅ Withdraw $1,000 penalty-free in emergencies

Learn More: https://americasaves.org/resource-center/insights/new-ways-to-save-for-emergencies-through-your-workplace-retirement-plan/

Check with HR, and start small.
#AmericaSaves #EmergencySavings #SaveWithConfidence

Instagram Story

Feel free to use the IG Story graphic and be sure to tag @AmericaSaves and link to the blog post.

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Sample Email Copy for Partners To Use

Subject: Your job might offer emergency savings help!

Most Americans don’t have $1,000 saved for emergencies. But there are tools that might already be available through your place of employment.

This month, we’re sharing tips from America Saves about workplace emergency savings options that are often overlooked but incredibly helpful.

These tools, available through some retirement plans, can help you:

—Save up to $2,500 in a linked account
—Withdraw $1,000 without an early penalty in an emergency

They’re meant to supplement your emergency savings, not replace it. Used wisely, they offer a valuable safety net.

Not every job offers them, so it’s worth asking. Learn more, and see if you can take a small step toward your own emergency savings goal.

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Take the America Saves Pledge

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