Empowerment Retirement's main customer service number is 1-888-MER-PLAN (1-888-637-7526)

Empowerment Retirement (formerly known as Empower) operates a phone line for account holders and people with questions about retirement plans. The number 1-888-637-7526 connects you to their customer service team during business hours. Call times vary depending on what you need — some requests take a few minutes, while others may require scheduling a callback or follow-up.

The company handles questions about 401(k) plans, IRAs, rollovers, and other retirement accounts they administer. If you have an account with them or are considering moving money into one of their plans, this is the number to use. Have your account number or Social Security number ready when you call, as representatives will ask for it to pull up your information.

Key Takeaways

  • Empowerment Retirement's main phone line is 1-888-637-7526, available during standard business hours Monday through Friday.
  • You will need your account number or Social Security number when you call so the representative can locate your account.
  • The phone line handles questions about 401(k) plans, IRAs, rollovers, and account management.
  • If you cannot reach someone when ready, you can request a callback or use their website to submit questions online.
  • Wait times are typically shorter early in the morning or late in the afternoon on weekdays.

What to expect when you call

When you dial 1-888-637-7526, you will reach an automated system that asks you to select your reason for calling. Common options include account balance inquiries, distribution requests, loan information, and general account questions. After you select your option, the system may route you to a specialist or place you in a queue for the next available representative.

Wait times depend on call volume and the time of day. Mornings between 8 a.m. and 10 a.m. Eastern time tend to be busier, as do days right after market closures or earnings announcements. If you reach a long wait, you can ask the automated system to call you back instead of holding, which frees up your phone.

Common reasons to call Empowerment Retirement

People call Empowerment Retirement for several recurring questions. Account holders often call to check their balance, request a distribution or withdrawal, ask about loan options, or report a change in personal information like an address or beneficiary. If you are considering rolling over a 401(k) from a previous employer or moving an IRA, their team can walk you through the process and explain what paperwork you will need.

New account holders sometimes call to understand how their plan works, what investment options are available, or how fees are calculated. If you received a notice in the mail about your account or a change to your plan, calling can clarify what it means and whether you need to take action.

Alternative ways to reach Empowerment Retirement

If you prefer not to call, Empowerment Retirement offers other contact methods. You can log into your account on their website and use the find message feature to submit questions. Responses typically arrive within one to two business days. The website also has a searchable knowledge base and FAQs that answer common questions without requiring a phone call.

For urgent matters that cannot wait for an email response, the phone line remains the fastest option. Some account holders also reach out through their employer's benefits department, which may have a direct contact at Empowerment Retirement for plan-related questions.

Information to have ready before you call

Gathering a few pieces of information before you dial saves time once you reach a representative. Have your account number handy — it appears on your statements and in your online account. If you do not have your account number, your Social Security number will work instead. If your question involves a specific transaction or change, have the date or relevant documents nearby.

If you are calling about a distribution or withdrawal, know whether you want the money sent to your bank account or as a check, and have your banking information available if you choose direct deposit. For rollovers, have the name and account number of the account you are rolling from, as well as the contact information for that institution.

Hours and best times to call

Empowerment Retirement's customer service line operates Monday through Friday during standard business hours, typically 8 a.m. to 8 p.m. Eastern time. Hours may be reduced on holidays or during market closures. The company does not staff the line on weekends, though you can leave a message or request a callback.

Early mornings (8 a.m. to 9 a.m. Eastern) and late afternoons (after 5 p.m. Eastern) usually have shorter wait times than mid-morning or early afternoon. Calling on Tuesdays or Wednesdays is often faster than calling on Mondays, when call volume is highest. If you have a complex question that might take longer, calling early in the week gives you more time to schedule a follow-up if needed.

What to do if you cannot reach someone

If the line is busy or wait times are very long, you have options. Ask the automated system to schedule a callback at a time that works for you — the representative will call you back instead of making you wait. You can also hang up and try again during a less busy time, or use the website to submit your question in writing.

If your issue is not urgent, email or the find message feature may be your best choice. For time-sensitive matters like stopping a distribution or reporting fraud, stay on the line or call back when ready. If you believe there is an error on your account, document it in writing and include it with your message so the representative has a clear record of what you are reporting.

Frequently Asked Questions

What is the phone number for Empowerment Retirement?

The main customer service number is 1-888-637-7526 (1-888-MER-PLAN). This line handles questions about 401(k) plans, IRAs, rollovers, distributions, and account management.

Do I need my account number to call?

Having your account number speeds up the process, but it is not required. If you do not have it, the representative can look up your account using your Social Security number and other identifying information.

What hours is the phone line open?

Empowerment Retirement's customer service operates Monday through Friday, typically 8 a.m. to 8 p.m. Eastern time. Hours may vary on holidays. The line does not staff on weekends, but you can request a callback.

How long will I wait on hold?

Wait times vary by time of day and call volume. Early mornings and late afternoons are usually faster. If you face a long wait, ask the automated system to schedule a callback instead of holding.

Can I reach Empowerment Retirement online instead of calling?

Yes. You can log into your account on their website and use the find message feature to submit questions, which typically receive responses within one to two business days. The website also has FAQs and a knowledge base for common questions.