首页
登录
职称英语
When you leave a job with a traditional pension, don’t assume you’ve lost th
When you leave a job with a traditional pension, don’t assume you’ve lost th
游客
2025-04-14
9
管理
问题
When you leave a job with a traditional pension, don’t assume you’ve lost the chance to collect it. You’re entitled to whatever benefit you’ve earned — and you might even be entitled to take it now. "A lot of people forget they have it, or they think that by waiting until they’re 65, they’ll have a bigger benefit," says Wayne Bogosian, president of the PFE Group, which provides corporate pre-retirement education.
Your former employers should send you a certificate that says how much your pension is worth. If it’s less than $ 5, 000, or if the company offers a lump-sum payout, it will generally close your account and cash you out. It may not seem like much, but $ 5, 000 invested over 20 years at eight percent interest is $23, 000. If your pension is worth more than $ 5, 000, or your company doesn’t offer the lump-sum option, find out how much money you’re eligible for at the plan’s normal retirement age, the earlier age at which you can collect the pension, the more severe penalty for collecting it early. You’ll probably still come out ahead by taking the money now and investing it.
What if you left a job years ago, and you’re realizing you may have unwittingly left behind a pension? Get help from the Pension Benefit Guaranty Corporation. It has an online search tool that has helped locate $ 47 million in lost benefits for more than 12, 000 workers.
If you have a traditional pension, retiring early costs more than you might expect. Most people assume you take a proportional cut for leaving before your plan’s normal retirement age. For example, you might think that if you need to accrue 30 years of service and you leave three years early, you’d get a pension 90 percent of the full amount.
But that’s not how it works. Instead, you take an actuarial reduction, determined by the employer but often around five percent a year, for each year you leave early. So retiring three years early could leave you with only 85 percent of the total amount.
When you retire early with a defined-contribution plan, the problem is you start spending investments on which you could be earning interest. If you retire when you’re 55, for example, and start using the traditional pension then, by age 65 you’ll have only about half of what you would have had if you’d kept working until 65. [br] If one leaves early before his plan’s normal retirement age, ______.
选项
A、he’ll take 90 percent of the total amount of his pension
B、he’ll have half of his pension payments
C、he’ll have his pension payment reduced by 5% a year
D、he’ll have only 85 percent of his full pension
答案
C
解析
细节事实题。根据题干关键词leaves early定位到原文第五段第二句。原句中的five percent ayear与选项C中的5%a year对应,原句中的reduction与选项C中的reduced为同根词,如果你提早离开,每年会减少5%左右的退休金。故答案为C。
转载请注明原文地址:https://tihaiku.com/zcyy/4037267.html
相关试题推荐
Blackshavetraditionallybeenpoorlyeducated—lookatthecrisisinurban
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Whenyouleaveajobwithatraditionalpension,don’tassumeyou’velostth
Ahundredyearsagoitwasassumedandscientifically"proved"byeconomists
Ahundredyearsagoitwasassumedandscientifically"proved"byeconomists
Ahundredyearsagoitwasassumedandscientifically"proved"byeconomists
Letusassume,forthemoment,thatlaborisnotpreparedtoworkforalower
Letusassume,forthemoment,thatlaborisnotpreparedtoworkforalower
Letusassume,forthemoment,thatlaborisnotpreparedtoworkforalower
OurculturehascausedmostAmericanstoassumenotonlythatourlanguageis
随机试题
Thesimpleactofsurrenderingatelephonenumbertoastoreclerkmaynots
Ioncefoundoutthatdoingafavorforsomeonecouldgetyouintotrouble.
下列关于灭火器配置设计的叙述中,哪项不正确?()A.9层及以下的住宅建筑可不
申请从事证券投资咨询业务应具备的条件中,正确的是()。 Ⅰ.已取得证券从业资格
我国第一部《中国药典》颁布时间为A:1950年 B:1953年 C:1958
丙型肝炎的主要传播途径是( )。A.粪-口传播 B.水传播 C.食物传播
既可用于饮食积滞,又可用于泻痢腹痛、疝气的药物为A.山楂 B.神曲 C.麦芽
胸膜腔负压的作用包括( )。A.维持肺的扩张状态 B.有利于淋巴回流 C.
企业接受投资者投入的一项固定资产,按照投资合同或者协议约定的价值入账。( )
某施工单位承揽了一项综合办公楼的总承包工程,在施工过程中发生了如下事件。 事件
最新回复
(
0
)