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,
A. he tends to forget that he has the pension
B. he has no right to ask for the pension
C. he’ll have a bigger benefit than if he waits until the age of 65
D. he has a specified worth of pension
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,
A. ask the company for a lump-sum payout
B. require his former boss to figure out the value of his pension
C. take the pension with him and make a profit out of it
D. collect the pension at his retirement plan’s normal retirement age
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