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Retirement and Financial Planning
Union Pacific not only invests in your career, we invest in your future. We offer exceptional financial security with our Railroad Retirement and a comprehensive 401(k) plan.
Railroad Retirement Board
The Railroad Retirement Board administers retirement and survivor and unemployment/sickness insurance benefits for railroad workers and their families. This is a government benefit that requires payroll tax deductions, with contributions from both the company and employees.
401(k) Comprehensive Plan
The 401(k) Comprehensive Plan is a flexible and convenient way to save for your retirement. It offers a variety of investment options, with up to 17 funds to choose from. Union (agreement) employees are eligible to participate after one year of service. Non-union (non-agreement) employees are eligible to participate immediately upon joining the company. Union Pacific will also match your 401(k) contributions dollar-for-dollar invested, up to six percent of your salary, plus provide an additional 3% annual contribution from Union Pacific based on your salary.