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Get And Sign Benefits Fund Enrollment Form The NYSNA Pension Plan And Rnbenefits 2014-2021

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welcome to this lecture on the basics of defined benefit pensions one of you have probably thought about the problem of your own saving for your own retirement in say 401 k plans but another form of retirement benefit is a monthly payment provided by an employer to a worker that begins when that worker retires this is called a defined benefit or DB pension because the monthly retirement benefit the employee receives is defined and known in advance who has DB pensions in the u.s. the latest data tell us that only about 17% of private-sector employees participate in DB pension plans in contrast 78% of state or local government employees and also many federal government employees participate in DB plans if we contrast this to defined contribution or DC plans such as the 401k we see that private-sector employees are much more likely to participate in a DC plan over 40% of them do whereas only 15% of public sector employees participate in DC plans we can also compare this to access figures

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