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Background
Federal laws require most public retirement plans to treat spouses, former spouses, and surviving spouses more equitably.
Background
Customarily defined-benefit plans pay benefits only to workers and their surviving spouses.
Background
Under certain limited conditions, employers can reclaim excess assets from defined-benefit (DB) retirement plans.
Background
The Pension Benefit Guaranty Corporation (PBGC) protects workers and ensures that they receive defined-benefit (DB) pension benefits even if their employers go bankrupt.
Background
In 1974, Congress passed protections for individuals in private retirement and health insurance plans.
Background
Retirement plan sponsors must demonstrate fiduciary responsibility by acting in the sole interest of plan participants and beneficiaries.
Background
Some companies sponsoring defined-benefit plans purchase annuities from private insurers.
Background
Social Security affords vital income protection to workers and their families. But it is more than a retirement program.
Background
Enabling the improvement of people’s health depends on people taking control of their health as they age and on systems that support healthy choices and provide everyone affordable, high-quality ca
Background
Successful proposals to achieve Social Security solvency and adequacy should adhere to the following principles. These principles should guide any updates to Social Security.