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Learn the Issues

The Pension Rights Center’s policy activities target shortcomings in the nation’s retirement programs and develop realistic reform measures. We testify frequently before congressional committees, comment on proposed agency regulations, publish analyses of pending legislation, and advise policymakers, and national and grassroots organizations. More than a dozen federal laws and regulations are directly traceable to Center initiatives. As a result, millions of retirees, widows, and divorced women are now receiving pensions.


Final 401(k) Fee Disclosure Regulations

Final 401(k) Fee Disclosure Regulations

On October 20, 2010, the Department of Labor issued final regulations that require private retirement savings plans, such as 401(k)s, to tell employees how much they are being charged in record-keeping, investment management and other fees.

Learn about the Pension Protection Act of 2006

Pension Protection Act of 2006

On August 17, 2006, President Bush signed the Pension Protection Act of 2006 (PPA) [PDF] into law. The Senate passed the bill on August 3, 2006, and the House of Representatives passed it on July 28, 2006. 


Legislation (View All)

The Pension Accountability Act

In the last days of 2014, Congress passed the Multiemployer Pension Reform Act of 2014 (MPRA) as part of a year-end budget compromise. As a result of MPRA’s enactment, for the first time in 40 years multiemployer pension plan trustees have been given the authority to cut already earned retiree pension benefits while a plan is still solvent.


State-based retirement plans for the private sector

There is a movement afoot to use the efficiencies of public retirement systems to administer new types of pension plans for private-sector workers. Below are brief summaries of plans that have either passed or are being considered.


Keep Our Pension Promises Act of 2015

The Keep Our Pension Promises Act of 2015 repeals the “benefit suspension” provisions of the Multiemployer Pension Reform Act of 2014 (MPRA) enacted at the end of the last Congress.


Regulations (View All)

Proposed Rule on Conflicts of Interest in Investment Advice (November 2015)

The Pension Rights Center submitted comments to the Department of Labor (DOL) and testified at a hearing in support of the department’s proposed revision of the definition of “fiduciary.” The proposed definition describes the circumstances under which a financial adviser becomes a fiduciary and must give advice in the best interest of the customer, avoiding all conflicts of interest unless they are expressly allowed.


Proposed IRS regulations that could undermine workers' legal rights without public input (September 24, 2012)

The Pension Rights Center submitted comments to the Internal Revenue Service, objecting to a proposed delegation of authority to the IRS Commissioner to issue certain rules without public notice and comment.

Electronic Disclosure by Employee Benefit Plans

Electronic Disclosure by Employee Benefit Plans (June 6, 2011)

The U.S. Department of Labor issued a Request for Information regarding electronic disclosure by employee benefit plans. Read the Center's comments.


Court Cases (View All)

Court Overturns Cash Balance Ruling

Overturning a 2003 federal district court ruling, the U.S Court of Appeals for the Seventh Circuit found that IBM did not discriminate against older employees when it adopted its cash balance plan.


Former Employees Can Sue Retirement Plans

The U.S. Court of Appeals for the 7th Circuit decided a case that preserves the right of former employees, including retirees, to sue their retirement plans even if they have already taken full distributions from the plan. The case is Harzewski v. Guidant Corporation [PDF].


Pension Plan Must Give Benefits to Surviving Spouse

An ex-spouse who files a qualified domestic relations order (QDRO) with a pension plan following the death of her ex-husband is entitled to benefits. In Marker v. Northrop Grumman Space & Missions Systems Corporation Salaried Pension Plan, the U.S.