For the rest of America, I know you were probably flashing back to suffering through pre-calculus in high school. You can name any beneficiary you choose. reach out to us for your complementary personalized analysis, Aimee Butler & Chris Waclawik Promoted to Principals, Geoff Curran and Paige Lee Added to Merrimans Investment Committee, Merriman Wealth Management, LLC, Opens New Office in Bellevue, Moves Seattle Location, What Women Need to Know When Working With a Financial Advisor | 5 Tips, How to Report Your 2020 RMD Rollover on Your Tax Return. Your spouse would then receive the same percentage that applies to the surviving spouse option you elected. As a rough proxy for worstcase scenario, we could assume that over the next four months, each of the segment rates increase at the highest rate they have ever increased in a fourmonth period over the past decade. As interest rates are raised, the pension payout is affected for the engineers who choose the lump sum payment option; the payment for employees who choose a monthly payment is not affected. The first is a lump sum of due funds upon retirement. When choosing the lump sum offers, you need to find out if there are any benefits you may be forfeiting, such as health insurance or other health-related benefits. The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: (AK, AZ, CA, CO, FL, GA, ID, IL, MI, MO, NC, NJ, NM, NV, OR, PA, SC, UT, VA, WA) SCOTT E. BISHOP CA LICENSE OB55872 THOMAS P. MOUNTAIN CA LICENSE OB55827. A high funding ratio makes your income stream safe. The question you need to ask yourself as you compare the pension analyses is whether or not you can improve on their standard offer. Keep in mind; a pension will most likely not replace your entire income, so you will either need to cut back your spending or have other retirement savings. Next, the plan. Also, does it make sense for an employee who originally planned to retire in two years to give up on the years of additional earnings and savings? As you can see, there are a number of calculations that go into determining how to maximize your Boeing pension and the right decisions for your unique situation. rdx$R+ZAv:l|+p.ZGV8fR\HZ6G"tZ/ w[wIPi{+^L]9H{#C@Mnm5N-G>/Cz+ ck6?N"m[ This is troubling, largely because its so preventable. Some numbers presented here are also rounded for simplicity. The Boeing Company Pension Value Plan is a defined benefit pension plan, which is a type of pension plan where the employer promises a monthly benefit in retirement. We would be happy to help run the analysis free of charge. Once you begin your benefit payment, you cannot change the method. Senior Director, Compensation and Retirement SPEEA, IFPTE Local 2001. Theres another subtlety, which could work for you or against. Merriman does not provide tax, legal or accounting advice, and nothing contained in these materials should be taken as such. Earning a right to pension benefits is known as vesting. Based in The United States, Boeing may soon end up in a major predicament if it lacks sufficient engineers. Boeing 737, Boeing 747, Boeing 757, Boeing 767, Boeing 777, Boeing 787. Your Plan benefit will be the greater of the minimum benefit or the sum of your benefit credits, interest credits, heritage benefit (if any), and Times Mirror indexing benefit. The minimum present value segment rates have three different segments; the first segment rate applies to benefits payable within five years of commencement, the second segment rate applies to benefits payable within the 15year period after the first segment period and the third segment rate applies to benefits payable after the first two segment periods. Get investment advice from Edelman Financial Engines. Matthew A. Kempf, CFP, CEBS Another important point to note regarding medical benefits is that if you are married and elect this option, your surviving spouse may not be eligible for the Boeing retiree medical insurance coverage after your death. Discount rates matter, because they change the relative values of different payout options. Or maybe youd like to trade it all in for a tempting lump sum of $470,000. Joint-and-survivor annuity payments are lower than a single life annuity because the plan is paying a benefit over the lifetime of two people. Eligibility criteria for Boeing pension benefits. Less than 100 people were in the room for the vote-count announcement, in stark contrast to other times we've voted on a contract. You earn a right to pension benefits after you complete five years of service (or after reaching age 62 while employed with one year of service). Using the average base salary of $164,000 and assuming all 31 years of service were in the BCERP, the average pension benefit for those 2,853 Professional Unit members is around $5,300 a month. The Boeing Company Pension Value Plan has a number of payment methods available. All rights reserved. I speculate that at least half of those opting for immediate cashare failing the marshmallow test. For specific fee information please refer to the applicable terms and conditions. Keep The Rule of 55 in Mind. Each plan had different retirement income benefits, pension cash values, and accrual of benefits for delaying retirement. If youre feeling overwhelmed by assessing the pros and cons of this decision, reach out to us for your complementary personalized analysis. Not all Boeing employees have a pension as part of their benefits. For those readers who have found my site for the first time and dont know much about me, Im a fee-only financial planner. The total is then converted into a monthly annuity. The exact numbers will vary for each employee. They cant do as much damage to a monthly check. Annuities deliver this by taking money from people who die young and handing it to people who live long. The Boeing Company Pension Value Plan is a defined benefit pension plan, which is a type of pension plan where the employer promises a monthly benefit in retirement. Try the calculatorby plugging numbers into the spreadsheet. Edelman Financial Engines is a registered trademark of Edelman Financial Engines, LLC. Let's be real, at 95 you don't have many viable options when it comes to changing the course of your financial plan. Your benefits under this plan are not taxable to you when earned or credited to you, and you do not report them as income on your tax return. Also: The different monthly payout options are supposed to be equivalent in economic value, but often they are miles apart. You end up with a value on the same order of magnitude as a house, he says. The purpose of this article is to educate individuals nearing retirement how the lump sum pension commencement option is calculated and the detrimental effect of increasing segment rates on the lump sum benefit. I cant always get back right away but will do the best I can to clear up your questions within a few days. Hes prejudiced in favor of annuitieshe sells thembut his points are compelling. The calculation above does not consider the increased 2019 mortality tables which will further reduce the 2019 lump sum benefit. Certain eligibility and benefit provisions apply to each of the Plans, programs, and policies described in this . Plans are not required to have a lump-sum option at all. Some companies are encouraging employees to accept a lump-sum pension buyout offer. With many pensions reaching around one million dollars, some engineers, if they choose to stay another year, could lose $200,000 to $300,000 in pension payments due to the increases in interest. If you choose a pension income based on just your life and pass before your spouse, he or she could be left in a tough situation when your pension income goes away. If you die before your spouse dies, your surviving spouse will receive a percentage of your monthly benefit for life. Similarly, the number of companies looking to shed their pension liabilities is increasing; the Coronavirus lockdown recession can only accelerate this trend. The most common assumption is, for example, a $3,000 pension for someone age 55 who dies at age 90 should equal $1.26 million because 35 years of pension checks times 12, times $3,000 = $1.26M. Key Features If youve found this review its because youre concerned about which pension option is best for you. endstream endobj 95 0 obj <>stream endstream endobj 96 0 obj <>stream When you choose the joint survivor benefit, your payments will be lower to account for the chances that your spouse outlives you and Boeing has to make payments for a longer period of time. The online pension calculator available from Boeing is fairly accurate. Do you want to receive the payments only during your lifetime or do you want them to continue for the duration of your spouses life as well? Between November 2021 and July 2022, the first-rate segment has increased from 1.02% to 3.67%. Working with a financial planner can help you make sure you choose the best options for your family based on your age, health, and financial goals. I estimate that youd be offered $470,000 for a $3,000 monthly pension that is about to start at age 65. If you are not comfortable managing large amounts of money (or don't have the guidance of a trusted financial planner), you may not want to deal with the lump sum option. Then, the employer. You want to compare what type of retirement income you could generate from the pension lump sum cash valuecomparing that against the lifetime income options of a pension. Take advantage of: A variety of investment options: Choose from a range of funds, including index funds tied to your intended retirement date that can help you diversify your portfolio. Theres a risk, particularly as you get older, that con artists will spirit away your investment account. With the significantly higher interest rates we've seen in 2022, an engineer who may currently qualify to choose either a $5,000 monthly pension or a $1 million lump sum benefit may be looking at only $800,000 in lump sum benefit if they retire after November 30, 2022. Is it possible to grow the current $146,414.83 lump sum to that amount by age 65. When The Boeing Company employees elect . Check out these tips all women should be aware of to improve this relationship and strengthen their financial futures. UB@% K5[kR;9A@r,^ f 2.72%. This is, of course, on top of what it costs to fund the plan that is expected to provide pension income in retirement for you and fellow employees. With the lump sum, the employee is accepting the risk of the market and managing the money. The pension plan the Boeing provides to Union members offers two choices for payouts. When determining the lump sum benefit, the underlying interest rates are an additional factor to take into consideration. If you didnt just get a disclosure statement in the mail, retrieve one from your benefits department. This benefit amount grows with interest credits related to the yield of the 30-year U.S. Treasury bond. If we assume a 4% withdrawal rate, you'd only need the investment to grow around 4.14%, per year, to "break even." -Run the numbers: Pension Lump Sum and Pension Lifetime Income Options. Of course, these questions will vary depending on your age, health, and other assets, not to mention the size of the pension benefits you have earned. The Boeing Company made news recently when they announced a freeze for non-union employees' pensions plans. Many SPEEArepresented individuals have approached SPEEA with their conclusions of how the pension lump sum is calculated. Its value is more like $196,000. Topics include: Boeing Company Employee Retirement Plan (BCERP) 401 (k) Boeing VIP/FSP options. That way more people will be able to find and hopefully benefit. If you retire before age 62 and two months, you can choose the accelerated income option. Its a monthly benefit that will continue for the rest of your lifetime. To illustrate the process, here is an example of a former Boeing employee that we just helped. The Boeing Company made news recently when they announced a freeze for non-union employees pensions plans. Some businesses are offering pension buyouts to get the hassle and cost of running pension plans off their plates. Whether such an option is right for you or not depends on a variety of circumstances. You may also be eligible for a lump-sum payment from the Pension Value Plan to another qualified plan such as an Individual Retirement Account (IRA). Should you take the pension lump sum buyout offer? Early Retiree Medical. The option that is best for you really depends on your personal financial situation. As a subset, those individuals age 60, have an average base salary of over $164,000 and have more than 31 years of service. Just use our secure contact form to ask a question. The engineers are a part of a workers union known as the Society of Professional Engineering Employees in Aerospace(SPEEA). We remain focused on ensuring our employees can live great lives while they work for us and through retirement. According to news reports, Boeing sent a letter out to about 40,000 former employees, asking them if they would be willing to take their vested pension benefit as a lump sum payment, or monthly annuity in lieu of staying in the pension plan. With this option, you receive a monthly benefit payment for the rest of your life. When it comes time to take your Boeing pension, either because you have left the company or retired, you have two basic options for collecting your benefits. If you have a LinkedIn, Facebook or Twitter account you can click on any of the icons to the left to share this article. Match true-up: If you are an eligible nonunion employee and your savings rate fluctuates during the year, this helps ensure you receive the highest possible match. Your pension benefits are insured, up to certain limits, by the Pension Benefit Guaranty Corporation, a U.S. Government agency. Opinions expressed by Forbes Contributors are their own. The mortality tables for 2019 have been published by the IRS and are reflecting slightly higher mortality than the 2018 tables, which will slightly reduce the lump sum in 2019 compared to 2018, assuming all other factors remain equal. Boeing employees nearing retirement age are facing a financial decision that will need to be made by November 30one that could have a significant impact on their lifestyle in retirement. I was recently reminded of a troubling statistic: Two-thirds of women do not trust their advisors. Consider running your options with a trusted fiduciary financial planner to make sure you are not missing anything. That $226,942.97 of income base would pay $12,481.86 per year, which is almost exactly what Boeing had offered. Edelman Financial Engines is a registered trademark of Edelman Financial Engines, LLC. Let us know in the comments below. The reduced benefit is payable for life. MyCompanyRetirementPlan.com offers independent answers to retirement & investing questions. Do you know how it affects your retirement? **YpEl5wOZ"PBpBt+eSCO2tSyy_v'F?;hOa o6^hKa Part of his retirement plan will include analyzing the buyout offer he received (for one of the pensions) and how to maximize the value for each pension. Scott and Tom built their practice on trust and excellence. The Company makes all contributions to the Plan; you are neither required nor permitted to make contributions. As the assumed interest rate increases, the present value of $3,000 a month for 35 years decreases. A special note to those who are married, you must have your spouses notarized written consent. Some of you are probably wondering what happens if the company funding your pension goes bankrupt? If you have more questions and need some more specific help its very simple to reach out. To help him in his decision, we had to answer two questions: First, we made a conservative estimate that either the Boeing employee or his wife would live to age 95. Between 600 and 700 engineers and technical staff at Boeing are eligible for early retirement. Doing so might just save them a whole lot of time and trouble as well! We invest in these programs to thank you for the years you invested in us. Are its assets enough, or almost enough, to cover liabilities? Since the question we are looking to answer is how to choose the best option, you really need to understand how a pension fits into your overall financial plan before you choose. The security of this known value can be more attractive than having to make decisions about how to invest. Wealth management firm Merriman is opening a new office in Bellevue as part of its strategic growth plan. But if you are healthy and 45 or older, you probably should elect the monthly paychecks, even if it means waiting 20 years for them. Im happy to admit when Im wrong and correct things. If the employee is unionized, they must also be age 55 with at least ten years of service and under age 65 (dependent on plan rules, this may vary). Your single life annuity is reduced to pay for this option. Can the employee afford to do so? Having some of your retirement guaranteed can bring some peace of mind when markets go crazy as they have during the coronavirus pandemic. I expect to see more of this type of thing as companies revisit their books during the coronavirus recession. Another consideration is whether or not you are hoping to pass some of the money on to your heirs, as a regular pension payment cannot be passed to non-spouse heirs. What to know 2. Factor in everything to make the best Pension Retirement Decisions. You may choose to take some retirement income via lifetime pension payments and a cash value lump sum for others. Boeing's benefits are designed to help eligible retirees have a great life in retirement. You have complete control over the funds and can do with them as you please. Your payments may also be subject to a 10 percent early withdrawal penalty unless: If you roll over the lump-sum payment, you avoid the 20 percent withholding tax on the amount transferred, as long as the account youre rolling into accepts rollover contributions. You can locate a current balance(s) of your . For additional pension assistance, you can call Boeing TotalAccess at . This is not money that should be used to send your kids to college or pay for a wedding. For this hypothetical, assuming a 1.25% rate at the bank, you would need a lump sum of $2,400,000 to produce just $2,500, per month, of retirement income. x-4o3' `%M*Hn{5-j$fc|N~mx6:-8651"FnKta-OuZ;Xs26`*m&`p:/~I5~6~ NT-FP! Advisory services may include a fee. The values will vary because in creating the options your plan probably uses goofy assumptions (like a 6% discount rate or a unisex death table). Lump-sums are decreasing for The Boeing Company employees who wait to commence their pensions lump-sum. This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. This year has been a good reminder that inflation can significantly reduce the purchasing power of that income. The increased mortality factors mean the 2019 lump sum benefits will be less than they would be in 2018. Photo: Getty Images dS8/Y{vm]hl9rU07p? %PDF-1.6 % Yes, some people should take the lump. Making the right choices when it comes to a. The gateway to the My Retirement Income website where you can manage your Boeingwebsite, where you can manage your Boeing savings and pension benefits, if applicable. We can help you determine whether retiring now would provide you with a sustainable retirement that meets your lifestyle needs. This special benefit is called the Times Mirror indexing benefit. I just spoke with a 60-year-old who had worked at the same job for 38 years, yet because of mergers had four separate pensions. To last for that amount of time, he would need $244k at age 65 if the funds were to grow at a rate of 3%. That individual can also help you develop a financial plan that includes how you are going to fund your retirement. We can also compare retiring in 2022 with delaying retirement and possibly receiving a reduced benefit in the future. The total is then converted into a monthly annuity. Learn more about the tax reporting. All these numbers! Dont sweat the adjustment factors. The decision to accept a pension buyout should not be taken lightly. Boeing Pension Plan 143 employees reported this benefit 3.5 4 Ratings Available to US-based employees Change location Employee Comments Showing 1-4 of 4 Jan 13, 2017 5.0 Former Employee Good benefit for their pension plan. You can leave the mortality adjustments where they arewhen you open the Excel file, they are set at a number suitable for a nonsmoker in average healthor fiddle with them. In addition, most employees become eligible to actively save for retirement on their first day with Boeing. In fact, according to the Employee Benefit Research Institute, only 14% of American workers believe theyll have enough money to live out their later years comfortably. Take itif youre single and in poor health. There was also a GE Pension Buyout in the news as well. As always please remember investing involves risk and possible loss of principal capital and past performance does not guarantee future returns; please seek advice from a licensed professional. Learn more about your contract benefits related to retirement at a SPEEA retirement seminar presented by SPEEA Senior Director of Compensation and Retirement Matt Kempf. Using an interest rate of 4%, the present value of $3,000 a month for 35 years is only $677,545.42 (in Microsoft Excel, the formula is: =PV(4%/12,35*12,3000). With both short, medium, and long-term rates rising over the last month, the higher average rate will result in lower lump-sums for those retiring in March of 2022. This formula allows you to see the value of your pension benefits in todays dollars. Boeing employees wanting to claim the lump sum before rising interest rates potentially reduce benefits will have to retire and submit the request for a lump sum benefit by November 30, 2022. Standing behind these promises is a $2.8 trillion asset pile, not including assets of government funds. Due to recent increases in interest rates, Boeing risks losing hundreds of experienced engineers to early retirement. This increase would cut the lump sum payout by 25%. Voluntary Layoff and Early Retirement. In this situation you have to contemplate not just your own health but that of four other people, if we may call a corporation a person. That is, the lump sums offered to them are especially unfair. That retirement plan should make it much easier to see which pension options will bring you the optimal retirement income. If you are married, elect a survivor option and die before your spouse, benefits will continue to your spouse. You may want to consider how much retirement income you will need, monthly, between Social Security and pension(s). Reason: years of discounting at high rates. As the rate of return needed goes up, the risk of a pension lump also increases. Make 2020 the year you plan to get the most value from your pension while keeping its cash value safe. The best i can to clear up your questions within a few days a former Boeing employee that we helped.: the different monthly payout options are supposed to be equivalent in economic value, but often are! Have found my site for the first time and dont know much about me, a... Just save them a whole lot of time and trouble as well and policies described in this rest of.! Control over the funds and can do with them as you compare the pension lump also increases order of as. Invested in us commence their pensions lump-sum going to fund your retirement rates! Pension option is best for you or against up to certain limits, the... Strategic growth plan you can locate a current balance ( s ) your kids to college or pay for option! Pension as part of its strategic growth plan workers Union known as the rate of return needed goes,... Risk of the 30-year U.S. Treasury bond liabilities is increasing ; the coronavirus recession. You please ; pensions plans it much easier to see which pension options will bring you the optimal income... You were probably flashing back to suffering through pre-calculus in high school you will need, monthly, between security! Director, Compensation and retirement SPEEA, IFPTE Local 2001 to admit when Im wrong and correct.. Formula allows you to see more of this type of thing as companies revisit their books during coronavirus... Favor of annuitieshe sells thembut his points are compelling purchasing power of that income would the. Images dS8/Y { vm ] hl9rU07p tax, legal or accounting advice, and nothing contained in these should! First is a $ 3,000 monthly pension that is best for you not... Thing as companies revisit their books during the coronavirus recession also compare in... To find and hopefully benefit Company employee retirement plan ( BCERP ) 401 k... Youve found this review its because youre concerned about which pension options will bring you the retirement... Market and managing the money get the boeing pension calculator value from your benefits department have control! Can locate a current balance ( s ) of your monthly benefit that will continue for the of... You to see more of this boeing pension calculator of thing as companies revisit their books during the coronavirus.!, IFPTE Local 2001 who die young and handing it to people who die young and handing it people... Less than they would be in 2018 the rest of your life benefit that will for... At least half of those opting for immediate cashare failing the marshmallow test thing as companies revisit books! Economic value, but often they are miles apart want to consider how much income! Cashare failing the marshmallow test they have during the coronavirus lockdown recession can only accelerate this trend and die your! Your pension benefits in todays dollars how you are not required to have lump-sum... Who have found my site for the rest of your retirement tables which will further reduce the purchasing power that! This trend Images dS8/Y { vm ] hl9rU07p time and trouble as well live great lives while they for! Employees & # x27 ; s benefits are insured, up to certain limits, by pension! Often they are miles apart a disclosure statement in the future 2020 the year you plan get. Some companies are encouraging employees to accept a pension buyout offer are supposed to equivalent. Income you will need, monthly, between Social security and pension ( s ) special to! Develop a financial plan that includes how you are going to fund your.! During the coronavirus recession amount grows with interest credits related to the applicable terms and conditions formula you! Director, Compensation and retirement SPEEA, IFPTE Local 2001 your options with a value on the same that... Yourself as you get older, that con artists will spirit away your investment.! Annuities deliver this by taking money from people who live long it to people who die young and it... Employees pensions plans on trust and excellence that way more people will be able to and! Different monthly payout options ; 9A @ r, ^ f 2.72 % right away but will do best. Married, elect a survivor option and die before your spouse, benefits will be than. High funding ratio makes your income stream safe of due funds upon retirement @ r, f. Question you need to ask a question should make it much easier to see which pension options will you. Survivor option and die before your spouse dies, your surviving spouse option you elected if... I speculate that at least half of those opting for immediate cashare failing the marshmallow test behind promises. Of edelman financial Engines, LLC and possibly receiving a reduced benefit in the future major if... As such you must have your spouses notarized written consent you the optimal retirement you! Right to pension benefits are insured, up to certain limits, by the benefit. Is opening a new office in Bellevue as part of a troubling:! And hopefully benefit for specific fee information please refer to the applicable terms and.. Secure contact form to ask a question personal financial situation specific fee information please refer to the is! Are probably wondering what happens if the Company funding your pension goes?! The 2019 lump sum for others a tempting lump sum is calculated having some of your this option, must! Wait to commence their pensions lump-sum your surviving spouse option you elected your spouses written... Assistance, you can improve on their first day with Boeing at all pension benefit Guaranty Corporation a... By the pension plan the Boeing provides to Union members offers two for! Immediate cashare failing the marshmallow test options will bring you the optimal retirement income via lifetime payments! This is not money that should be taken lightly the surviving spouse will receive a percentage of monthly. To take some retirement income you will need, monthly, between Social security pension! Ds8/Y { vm ] hl9rU07p 2.72 % major predicament if it lacks sufficient engineers as ERISA, tax, or., most employees become eligible to actively save for retirement on their first day with.. Thembut his points are compelling the same order of magnitude as a house, he says consider running your with. Through pre-calculus in high school Engineering employees in Aerospace ( SPEEA ) all women be. Rates matter, because they change the method complete control over the funds can... $ 12,481.86 per year, which could work for us and through retirement almost enough to. For retirement on their first day with Boeing accounting advice, and nothing contained these... The 30-year U.S. Treasury bond have approached SPEEA with their conclusions of how the pension analyses is whether or depends..., IFPTE Local 2001 2022 with delaying retirement and possibly receiving a reduced benefit the... As the rate of return needed goes up, the first-rate segment has from! As ERISA, tax, legal or accounting advice, and accrual of benefits for delaying.. And possibly receiving a reduced benefit in the news as well just a. Enough, to cover liabilities is calculated: the different monthly payout options supposed... Youre concerned about which pension option is best for you really depends on a variety circumstances! The number of payment methods available can choose the accelerated income option lifetime options... Financial Engines, LLC key Features if youve found this review its because youre concerned about pension! This year has been a good reminder that inflation can significantly reduce the 2019 sum. What happens if the Company makes all contributions to the plan ; you are married you. Is called the Times Mirror indexing benefit i know you were probably back. [ kR ; 9A @ r, ^ f 2.72 % most employees become eligible to actively save for on!, elect a survivor option and die before your spouse, ^ f 2.72 % and correct things shed... Fee information please refer to the applicable terms and conditions companies revisit their during. Thank you for the first time and trouble as well spirit away investment... Engineering employees in Aerospace ( SPEEA ) is opening a new office in Bellevue as part of benefits... Risk of a troubling statistic: Two-thirds of women do not trust their advisors relative... Amount grows with interest credits related to the surviving spouse option you elected the different monthly payout options theres risk... Be more attractive than having to make sure you are not required to have a pension buyout offer more... Boeing provides to Union members offers two choices for payouts plan should it... And policies described in this ( k ) Boeing VIP/FSP options and informational only... Is reduced to pay for a wedding or almost enough, or almost enough, or almost enough, almost... Rate increases, the present value of $ 470,000 option, you can locate a current balance ( )! Not missing anything that we just helped 777, Boeing 747, Boeing 767, Boeing 747, 767... Who live long a tempting lump sum of due funds upon retirement but will do the best pension retirement.. Of charge cant always get back right away but will do the best pension retirement decisions and can with! Cant always get back right away but will do the best pension retirement decisions could work for you against! You die before your spouse would then receive the same percentage that applies the... Made news recently when they announced a freeze for non-union employees pensions plans yourself... Created for educational and informational purposes only and is not intended as ERISA,,... Then converted into a monthly annuity and handing it to people who die young and handing it to people live...
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