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The Great American Pension Rip-Off

Unless you work for a city or state government, you probably don’t have a traditional pension — also known as a “defined benefit plan.” The number of employers offering these plans has decreased sharply, and now, by some estimates, only 29 percent of workers in the United States have access to them. In contrast, 83 percent of state and local government employees have access to a defined benefit plan.

If you are one of these lucky few, consider yourself fortunate. Most defined benefit plans provide for an automatic payout in retirement based on a formula that typically includes the size of your salary and how long you worked for your employer.

Read the rest of the article on The Huffington Post.

 

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