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Get the Facts

The Pension Rights Center has written numerous fact sheets, newsletters, pamphlets and books to promote public awareness of pension issues, and to help workers and retirees understand their pension plans and the laws and regulations that govern them. There are also many publications published by other organizations that provide helpful information about retirement programs.

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Why Pensions Are Important

This fact sheet explains the role pensions play in the overall retirement security of American workers, retirees, and their families.

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Income of Today’s Older Adults

As concern about the adequacy of the nation's retirement income programs moves to the forefront of public debate, policymakers and the public are looking to statistics to argue for or against the need for reform. Because there is a wide range of data from a variety of sources, the statistics can be confusing.

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How Much Is Saved in 401(k)s

Increasingly, retirement savings plans have become the way American workers accumulate the money they will need to supplement their Social Security payments in retirement.

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Fact Sheets (View All)

Companies that have transferred pensions to insurance companies

Below is a list of employers that have transferred their pension obligations for certain retirees and former employees to insurance companies by purchasing annuities.

(Note: this is not a comprehensive list. These are only the changes that we are aware of, based on corporate press releases, news reports, and other sources.)

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What happens when a pension is transferred to an insurance company?

What happens when a pension is transferred to an insurance company?

In 2012, General Motors and Verizon entered into arrangements with Prudential Insurance Company to pay the pensions of certain groups of their salaried retirees.

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Should you take your pension as a lump sum?

Some companies, such as General Motors (GM) and Ford, have offered to cash out the pensions of certain retirees and former employees and instead give them a one-time lump-sum payment.

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Reports (View All)

One in Five Investors Have Tapped Into 401(k) Prematurely

The majority of nonretired investors in the U.S. say their employer offers a 401(k) plan, and of these, 89% say they participate in it. Yet 21% of those who participate in such a plan say they have either taken out a 401(k) loan or even taken an early withdrawal from the plan in the last five years.

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Social Security Primer

The Social Security program began in the 1930s and has been modified by Congress many times over the years. Today, Social Security provides monthly cash benefits to retired or disabled workers and their family members, and to the family members of deceased workers.

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Fixing the Drain on Retirement Savings

Less than one in five American workers in private industry has access to defined benefit pension plans. As a result, most Americans’ quality of life during retirement depends on whether they have invested in retirement savings vehicles such as 401(k)s and Individual Retirement Accounts, or IRAs, and how their investments perform.

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Books (View All)

Longevity Policy: Facing Up to Longevity Issues Affecting Social Security, Pensions, and Older Workers

Turner argues that public policy should recognize longevity policy as a distinct policy area. Rather than separately treating issues raised by life expectancy (e.g., Social Security, pensions, older workers), a unified approach should be developed that recognizes their interrelationship.

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