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Rollovers of lump-sum retirement benefits into another retirement vehicle should be automatic. Regulations should discourage access to such funds before retirement.
Plan participants should receive their guaranteed benefits from the Pension Benefit Guaranty Corporation when an employer files for bankr
Vesting in a retirement plan means different things for participants in defined benefit (DB) and defined contribution (DC) plans.
The maximum vesting period for employers’ contributions to 401(k) plans should be no more than one year.
Social Security integration is an employer practice related to the calculation of the retirement benefits employees receive from a defined benefit (DB) retirement plan.
Pension benefits, from either public or private plans, should not be reduced as a result of Social Security benefits.
Federal laws require most public retirement plans to treat spouses, former spouses, and surviving spouses more equitably.
The laws governing state and local retirement funds should be amended where necessary to provide surviving and divorced spouses of public retirees with at least the same protections that the Employ
Customarily defined-benefit plans pay benefits only to workers and their surviving spouses.
People in kinship care situations and others with an insurable interest in a beneficiary should be permitted to share in or receive survivor benefits from private defined-be