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More than 30 million Americans participate in some form of public government employee retirement plan. Among others, they include: 

Federal, state, and local government retirement plans are usually defined-benefit (DB) pensions with benefits based on an employee’s salary in the years just before retirement.

People are more likely to save when saving occurs automatically through mechanisms such as payroll deductions. Only about half of U.S. workers have access to an employer-sponsored retirement plan.

People need support for nonretirement savings and debt repayment. Such assistance can help improve financial security and preserve resources for retirement.

The Social Security Disability Insurance (SSDI) program provides stable benefits to those who cannot work. Benefits are also available for their families.

About 50 percent of workers have access to a workplace-based retirement savings plan.

To maintain their tax-advantaged status, retirement plans must demonstrate that they are equitable and inclusive. Plans are subject to so-called top-heavy and nondiscrimination rules. 

The amount available to fund people’s retirement in a defined contribution (DC) plan depends on two factors: how much they save over the course of their working lives and whether they withdraw the

Vesting in a retirement plan means different things for participants in defined benefit (DB) and defined contribution (DC) plans.

Social Security integration is an employer practice related to the calculation of the retirement benefits employees receive from a defined benefit (DB) retirement plan.