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A pension is a steady income given to a person (usually after retirement). Pensions are typically payments made in the form of a guaranteed annuity to a retired or disabled employee. Some retirement plan (or superannuation) designs accumulate a cash balance (through a variety of mechanisms) that a retiree can draw upon at retirement, rather than promising annuity payments. These are often also called pensions. In either case, a pension created by an employer for the benefit of an employee is commonly referred to as an occupational or employer pension. Labor unions, the government, or other organizations may also sponsor pension provision.
Occupational pensions are a form of deferred compensation, usually advantageous to employee and employer for tax reasons. Many pensions also contain an insurance aspect, since they often will pay benefits to survivors or disabled beneficiaries, while annuity income insures against the risk of longevity.
While other vehicles (certain lottery payouts, for example, or an annuity) may provide a similar stream of payments, the common use of the term pension is to describe the payments a person receives upon retirement, usually under pre-determined legal and/or contractual terms.
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Pensions Update â December 2009: This newsletter summarises the main legal developments in the pensions sec... http://tinyurl.com/yaxehy7
elexica (elexica) Wed, 16 Dec 2009 02:49:45 -0000
Pensions Update – December 2009: This newsletter summarises the main legal developments in the pensions sec... http://tinyurl.com/yaxehy7
Firms 'prefer defined pensions' http://bit.ly/5Dr9JW
AOL_Money_UK (AOL Money UK) Wed, 16 Dec 2009 01:21:48 -0000
Firms 'prefer defined pensions' http://bit.ly/5Dr9JW
SFGPage1| Charter amendment would revamp S.F. pensions: San Francisco voters may soon have the opportunity to decid... http://bit.ly/67lEkh
SanFranciscoRSS (Yancey @YanceyG) Wed, 16 Dec 2009 01:18:57 -0000
SFGPage1| Charter amendment would revamp S.F. pensions: San Francisco voters may soon have the opportunity to decid... http://bit.ly/67lEkh
#geny creating passive incomes http://bit.ly/8Hv5NL rather than relying on salary and pensions
nakedgen_chris (Christopher Lomas) Wed, 16 Dec 2009 00:55:37 -0000
#geny creating passive incomes http://bit.ly/8Hv5NL rather than relying on salary and pensions
FDC søger vidtspændende systemudvikler: Skandinaviens største leverandør af IT-løsninger til pensions- og fors... http://bit.ly/4vxNnM
itjobbankdk (it-jobbank) Wed, 16 Dec 2009 00:43:22 -0000
FDC søger vidtspændende systemudvikler: Skandinaviens største leverandør af IT-løsninger til pensions- og fors... http://bit.ly/4vxNnM
Engageret forretningsarkitekt til Liv & Pension: Skandinaviens største leverandør af IT-løsninger til pensions- ... http://bit.ly/82NzVC
itjobbankdk (it-jobbank) Wed, 16 Dec 2009 00:43:19 -0000
Engageret forretningsarkitekt til Liv & Pension: Skandinaviens største leverandør af IT-løsninger til pensions- ... http://bit.ly/82NzVC
401k Help Center - A comprehensive resource site for retirement plan sponsors, small business owners and plan participants. This site gathers together significant 401k resources and information from across the internet and puts it in one place.
Meta Description: [ Need help with 401k plan rules and other issues? We have answers for plan sponsors, small business and plan participants. Free, unbiased and informative. ]
A Predictable, Secure Pension for Life - Definitions, checklists, trends in pensions; an informational site produced by a commercial guaranty corporation.
AARP - Pensions - Complete list of AARP research and policy documents and publications on this subject.
Benefits Canada: Pensions - Articles on various aspects of retirement funds.
Benefits Link - Summaries of recent employment benefits law articles with links to the full text, a searchable archive, and additional links to related resources.
Meta Description: [ BenefitsLink.com is for people and companies involved in providing employer-sponsored employee benefit plans, including for-profit, non-profit and governmental plan sponsors, whether or not regulated by ERISA. ]
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Cash Balance Pensions Aren't Likely to Sell Themselves to Workers - Article put out by Congressman Bernard Sanders of Vermont.
Meta Description: [ Home page of the United States House of Representatives ]
Cash Pensions - Multi-company employee organization focusing on retirement preservation and labor issues for US workers.
CeRP - Center for Research on Pensions and Welfare Policies - A centre specifically focusing on the study of pensions and welfare policies in Italy.
Meta Description: [ CeRP is the first research centre in Italy with a specific focus on pension economics and the economics of ageing ]
freeERISA.com - A database of Form 5500s filed by private United States employers, and information on public pension funds.
Meta Description: [ freeERISA.com provides free and unlimited Internet access to retirement and welfare benefit information on U.S. employers as it appears on Form 5500 and/or 5500 C/R. ]
Know Your Pension - Designed to help Americans understand their pension plans and issues surrounding their use and funding.
Meta Description: [ Help educate pension participants; to help keep pension funds solvent; to help pension participants improve the way union pension funds are managed; to identify and correct abuses. ]
Legal Information Institute: Pension Law: An Overview - Includes links to federal and New York statutes, as well as several paragraphs explaining pension law.
New Jersey Division of Pensions and Benefits - Retirement system page for New Jersey state employees.
NPR : Companies Doing Away with Pensions - A 401K savings plan is the choice of more and more corporations trying to stabilize the bottom line. Dallas Salisbury, president and CEO of the Employee Benefit Research Institute, talks about IBM's decision to jettison traditional pensions,and why the move represents the future of retirement options. [3:05 streaming audio broadcast]
Meta Description: [ A 401K savings plan is the choice of more and more corporations trying to stabilize the bottom line. Dallas Salisbury, president and CEO of the Employee Benefit Research Institute, talks about IBM's decision to jettison traditional pensions -- and why the move represents the future of retirement... ]
Older Workers, Retirement, and Pensions - U.S. Census Bureau publication that discusses demographics, transition to retirement, public, and private pensions.
Oregon PERS FYI - A comprehensive resource to help Oregon PERS members make the most of their PERS retirement investment.
Meta Description: [ Annuity Checklist. ]
Oregon Public Employees Retirement System - Retirement tips, news, forms, and publications.
Meta Description: [ State of Oregon: Public Employees Retirement System ]
Pension Rights Center - Advocacy group for pensions for America's workers. The Center analyses pension policy, advocates for legislation in Congress, and educates the public and the media about the importance of adequate pensions. Activities, FAQ, publications, and contact information.
Meta Description: [ The Pension Rights Center is the country's only consumer organization dedicated solely to protecting and promoting the retirement security of American workers, retirees, and their families. ]
Pensions and Divorce - Although this site is focused on pension rights and obligations in the divorce process, it has some good general definitions and information for any reader.
Meta Description: [ A wealth of information devoted to pensions and divorce and how retirement accounts are valued and divided upon divorce. A pension is often one of the largest assets distributed when two spouses get a divorce or separate. ]
Pensions and Investments - Online news and data from Pensions and Investments, the international newspaper of money management.
PPI - Pensions Policy Institute - Researches retirement provision to inform analysis of the pensions policy framework in the UK.
Meta Description: [ The Pensions Policy Institute researches retirement provision to inform analysis of the pensions policy framework in the UK ]
Retired State Employees Association of Illinois - Independent, all-volunteer organization of both retired and current State employees working together for the benefit of Illinois retirees, their spouses and survivors.
Review Group for Reuters UK Pension Funds - Produced by members of Reuters Group's UK pension funds, this site provides news and information on developments affecting the funds. It has no connection with any Reuters Group commercial or charitable websites.
Solving the Global Pensions Crisis - An article with brief overviews of pension problems around the world, from the CATO Institute.
Meta Description: [ Promoting an American public policy based on individual liberty, limited government, free markets and peaceful international relations. Extensive library of studies, articles and monographs available ]
The Fool's Guide to Pensions - Specific to the UK but also has general information.
Meta Description: [ If you want to have fun after you stop work, you'll need to boost your retirement income. The earlier you start, the less you'll have to save, so don't delay! ]
The Pension Research Council of the Wharton School of the University of Pennsylvania - An organization committed to generating debate on key policy issues affecting pensions and other employee benefits. Sponsors interdisciplinary research on the entire range of private pension and social security programs, as well as related benefit plans in the United States and around the world.
This Is Money: Retirement - Presents comparisons, personal stories, and a guide to pensions in the United Kingdom.
Meta Description: [ Find everything you need to know about retirement with This is Money's comprehensive guide, including company, personal, stakeholder and state pensions ]
West Virginia Consolidated Public Retirement Board - Responsible for the administration of all state retirement plans for educational employees, public employees, judges, and public safety personnel.
Women and Pensions: What Women Need to Know and Do - Produced by the US Department of Labor.
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