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Articles related to focusing on healthy aging, prevention, mobility, cognition, nutrition, independence, and caregiving support.

4 min

Does a Pension Ever Expire? Your Guide to Claiming Retirement Benefits

According to the Pension Benefit Guaranty Corporation (PBGC), billions of dollars in unclaimed pension funds are waiting for their rightful owners. This statistic often raises a crucial question for many: **Does a pension ever expire?** For most, the short answer is no, a defined-benefit pension generally does not expire, but the path to claiming it requires understanding several key factors.

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5 min

What Are Pension Pay Credits? A Comprehensive Guide to Your Retirement Income

According to the Department of Labor, cash balance plans have become a popular form of defined-benefit pension, but many employees still wonder, "what are pension pay credits?". These crucial components of a cash balance plan act as the foundation for your retirement savings and are a key part of your overall financial security.

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4 min

What does 5 years vested mean in retirement? A comprehensive guide

Did you know that a significant percentage of employees are unsure about their retirement plan's vesting rules? Understanding **what does 5 years vested mean in retirement?** is a crucial step towards securing the financial future you have worked so hard to build.

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3 min

How does retirement matching work? Your guide to employer contributions

According to a Fidelity analysis, over 85% of 401(k) plans offered employer contributions in early 2025, highlighting the prevalence of this important benefit. Knowing how does retirement matching work is crucial for maximizing your savings and building a robust financial foundation for a healthy, secure retirement.

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4 min

Can I retire at 55 and get my pension?

While surveys show a growing interest in early retirement, the financial path is often complex, especially when it comes to accessing employer-sponsored plans. Understanding if you can retire at 55 and get your pension involves navigating specific plan rules, vesting requirements, and potential benefit reductions that can significantly impact your financial security.

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5 min

Can your employer take your retirement money?

Federal law provides significant protections for employee retirement savings. However, the question of "Can your employer take your retirement money?" is more nuanced, especially regarding employer-matched contributions and vesting rules. Understanding these regulations is vital for securing your financial future.

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