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Benefits in the News > By Subject >Ret plans - policy |
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Kennedy, Other Senators Propose 'Worker, Retiree and Employer Recovery Act of 2008' Excerpt: "[The bill places] a one year moratorium on required minimum distributions from individual retirement accounts for 2009. . . . The funding target under the Pension Protection Act of 2006 (PPA) is phased in over three years. . . . For purposes of staving off restrictions on benefit accruals as a result of being less than 60% funded, plans would be able to lookback to the previous plan year for purposes of determining their funding status as it would apply to benefit accrual limits only. " (Senator Edward M. Kennedy (D-MA)) NY Times Article on Employers' Efforts to Delay PPA Funding Rules Excerpt: "On Wednesday four senators announced a measure for consideration by the full Senate on Thursday that would give companies more time to make up investment losses and sort out other problems." (New York Times; free registration required) [Opinion] Why Defined Benefit Pension Plan Funding Relief is Needed (PDF) 1 page of 'talking points.' Excerpt: "Recent economic turmoil has had a devastating effect on defined benefit pension plans due to a combination of dropping asset values and credit market strains. As a result pension obligations have ballooned unpredictably since earlier in 2008. This in turn is forcing companies to set aside enormous amounts of cash that they would otherwise invest in job creation and business growth and thus is severely hampering economic recovery. A few changes to the Pension Protection Act (PPA) would largely address the problems . . . . " (American Benefits Council) [Opinion] Pension Rights Center Supports Deferral of Some PPA Funding Rules But Not for Already or Soon-To-Be Frozen DB Plans (PDF) Excerpt: "Steps should be taken to support employers who continue to sponsor defined benefit plans in which employees are continuing to earn benefits. There is, however, absolutely no reason to grant funding relief to employers that have frozen benefits. Extending relief to frozen plans will harm employees without giving them anything in return and will unnecessarily compromise the solvency of the [PBGC]. We also ask you to make relief conditional on an employer's commitment to continue accruals for the plan for five years following the period of funding relief." (Pension Rights Center) Designing a New Universal Tier of Retirement Savings to Supplement Social Security and 401(k)s: How Much Risk is Acceptable? Excerpt: "The brief's key findings are: The financial crisis suggests the need for a new universal tier of retirement saving to supplement Social Security and 401(k)s. If the tier were a defined contribution system, asset levels would vary with market returns and payouts with interest rates. Replacement rates could fluctuate as much as 30 percentage points -- even if everyone invested in an identical target-date fund. An alternative is to guarantee a fixed return, but this return will almost always be lower than that under a target-date fund, and guarantees are not costless." (Center for Retirement Research at Boston College) Full Text of 2008 Annual Management Report by PBGC (PDF) 88 pages. Excerpt: "I am pleased to transmit the Pension Benefit Guaranty Corporation's Annual Management Report for fiscal year 2008. This report includes PBGC's financial statements, the transmittal letter of PBGC's Inspector General, and the independent auditor's combined report on the Corporation's financial statements, internal controls, and compliance with laws and regulations. Also included is the Corporation's Annual Performance Report as required under the Government Performance and Results Act." (Pension Benefit Guaranty Corporation) National Retiree Legislative Network Would OK Proposed Delay in PPA Funding Rules If Accompanied by New Pension Protections Excerpt: "Given the dire financial circumstances our country is experiencing, the NRLN's legislative team has concluded that we could accept a temporary delay in the implementation of pension funding and accounting requirements if Congress will include in any ERISA relief legislation the NRLN's proposals to protect pension assets. The measures we want included are: (1) Protect pension plan assets by preventing companies from using assets for restructuring expenses, such as paying lump-sum severance or layoff payments. (2) Prevent the purchase of pension plans by third parties, such as financial firms. (3) Prevent the use of pension plan assets to enhance deferred compensation of executives." (National Retiree Legislative Network) American Benefits Council Asks Plan Sponsors to Urge Legislators to Pass Pension Funding Legislation Excerpt: "Congress will return next week for a brief 'lame duck' session. It is critical that members of Congress hear from individual companies. This will improve the likelihood that lawmakers will consider legislation addressing pension concerns before the end of the year. It is important that they understand that the need is urgent and that they must consider legislation that is sufficient enough to help companies manage the volatility caused by the financial turmoil." (American Benefits Council) [Opinion] Our Spendthrift States Don't Need a Bailout; Grants of New Unfunded Benefits Were Irresponsible Excerpt: "[One reason states incur budget deficits] is their failure to deal with huge and growing employee pension and benefits liabilities. . . . A study three years ago by the Employee Benefit Research Institute estimated that the average public sector worker earns 46% more in total compensation than his counterpart in the private sector, largely because government employers spend 60% more per worker on benefits than counterparts in the private sector." (Steve Malanga in the Wall Street Journal) [Opinion] Why Isn't Anyone Talking Later Retirement for Government Workers? Excerpt: "As states try to figure out how to cut costs and services to current taxpayers, it seems no one is talking about is rolling back the retirement age for government workers to help ease at least one part of the budget problem: massive pension burdens." (Brian Sullivan) Companies Ask Congress for Leeway on Pension Funding Excerpt: "The lobbying effort aims to change a 2006 pension reform law as part of any economic-stimulus plan in a lame-duck session of Congress that begins this week. Companies warn that the current law could force them to tie up large sums of cash they desperately need in the face of a global recession." (AP via Fort Worth Star-Telegram) Kentucky Group Will Not Recommend Switch to Defined Contribution Plan Excerpt: "A working group appointed by the Governor of Kentucky to study the state's public pension system has declined to recommend moving new state workers into a 401(k)-type retirement plan. . . . While 48 states, including Kentucky, offer a defined benefit plan as the primary source of employee retirement income, private companies have been dumping them . . . ." (Cypen & Cypen) House Education and Labor Committee Chairman Says 401(k) Reform Hearing Was Misreported Excerpt: "'The Wall Street Journal is needlessly creating fear among Americans rightly worried about their retirement security by misrepresenting my efforts to strengthen workers' retirement savings -- attacks that have no basis in fact. I do not support 'abolishing' 401(k)s, moving these plans, or changing their tax status, plain and simple,' said [U.S. Rep. George] Miller." (U.S. Rep. George Miller (D-CA)) [Guidance Overview] Towers Perrin U.S. Legislative Tracking Charts -- Retirement -- Updated November 13, 2008 (PDF) 13 pages. Excerpt: "These charts summarize selected federal legislation that would affect employee benefit programs. The bills included on the charts are based on judgments regarding the prominence of the issue, the likelihood of enactment, and the influence of the sponsors." (Towers Perrin) Law May Block Pension Fund Distributions - Some Can Only Receive 50 Percent, or Nothing Excerpt: "Due to the loss in the market, a new pension law called Adjusted Funding Target Attainment Percentage may be preventing pension distributions to retirees and those who need their pension to pay bills. The new restrictions, which became effective in 2008, were enacted as part of The Pension Protection Act of 2006." (Seacoast Media Group) The Rise of Retirement Among African Americans: Wealth and Social Security Effects Excerpt: "My findings have implications for understanding racial differences in trends in retirement and independent living. I show that the retirement rates of both blacks and whites rose between 1900 and 1930 but that convergence in black and white rates and in living arrangements only occurred between 1930 and 1950. I argue that income effects from the institution of Social Security explain up to half of the convergence in black-white retirement rates and in living arrangements." (National Bureau of Economic Research; paid subscription or individual purchase required to retrieve fulltext) [Opinion] It's Time to Rethink Our Retirement Plans Excerpt: "It's not that 401(k)s are bad, it's just that they were conceived as supplementary retirement vehicles, not as a holistic retirement system. A new approach, combining the best of traditional pensions and new savings vehicles, is needed." (The Wall Street Journal) The Ongoing Development of Pan-European Pension Plans Excerpt: "Companies are attracted to the benefits provided via these arrangements but few have actually implemented a pan-European pension plan due to the complexities involved in executing such a plan across the member states. However, the fact that we do not see many pan-European pension arrangements in place does not mean that we won't in the future. Although there are still issues to resolve, there has been a concerted effort to move forward in the pan-European pension arena and the impediments are being addressed." (Faegre & Benson) Podcast: HR-Related Issues Obama Plans to Address Excerpt: "Hear Hewitt's Washington expert Frank McArdle discuss the HR-related issues the Obama administration plans to address. . . . Running time for this podcast is 6 minutes 36 seconds; file size is 6 MB." (Hewitt Associates) [Opinion] The Past, Present, and Future of Private Pensions (PDF) 6 pages. Excerpt: "A look back in time shows that the rise and fall of private pensions has been determined by the interests of management, the power of unions, and pressure from government. While history doesn't necessarily predict the future, it does indicate that changes in one or more of these three areas are necessary to restore retirement security. It seems there are three possible ways for defined benefit pensions to grow again . . . ." (Contingencies) Will Pension Funding Relief Be Part of Any New Economic Stimulus Package? Excerpt: "[Some] might question whether relief is needed at this time. The effects of declining asset values have been partially offset by the recent dramatic rise in discount rates and corresponding drop in liabilities. This could change between now and January 1, 2009, the valuation date large calendar year plans must use for funding purposes. Some might favor waiting until then to get a better picture of the funding problem and determine what, if any, relief is needed." (Deloitte via BenefitsLink.com) FICA Applies to 403(b) Contributions Made As Condition of Employment, Seventh Circuit Rules Excerpt: "Salary reduction 403(b) plan contributions are subject to FICA taxes even if made as a condition of employment, the US Court of Appeals for the Seventh Circuit has ruled (Univ. of Chicago v. US). Congress intended the FICA wage base to include annuity purchases funded by salary reduction agreement, whether voluntary or mandatory, the court found." (Mercer LLC) [Opinion] Time for a Universal Mandatory Pension System Excerpt: "The simplest design for a mandatory universal pension system would be to piggyback a system of individual retirement savings accounts onto the existing Social Security withholding system. How big that add-on pension system should be (3% of payroll or 6% or more); how to distribute the financing (employee only, employee plus employer, plus subsidies from government); how to tax contributions, investment earnings and withdrawals; how to arrange account administration (pooled, federally administered or private, individually administered); and what age or conditions to set on withdrawals are all major design issues." (Pensions & Investments) With Democratic Win, What Happens Now With Retirement Plans, Social Security? Excerpt: "The next few years in employee benefits will be shaped by a Democratic President and a Democratic Congress. Even if President-elect Barack Obama follows through on all of his benefits proposals, as outlined . . ., those proposals must be championed by members of Congress and then passed in both the House and the Senate. Mr. Obama's policy statements during the election campaign provide a guide to the direction of employee benefits legislation in the next few years, and the following provides some suggestions for the future in retirement plan legislation." (Wolters Kluwer) Possible Candidates Floated for SEC and Top PBGC and EBSA Posts Excerpt: "'While you would expect an Obama administration to be more friendly to consumers and labor organizations, it really comes down to who the individual appointed is,' said David Tittsworth, executive director of the Investment Adviser Association, Washington. While it's likely that President-elect Obama will name a chairman for the Securities and Exchange Commission soon, it might take longer for other pension policy posts to be filled. For one thing, nominees for Cabinet posts are named ahead of subordinate roles." (Pensions & Investments) [Opinion] Election Produces Little Change So Far on the Hill Excerpt: "Despite the undeniable impact the 'change' element had in the Presidential election, as BNA reported this morning, the leadership of the key Congressional committees with jurisdiction over employee benefit matters in both the House and Senate will likely remain the same next year. At least in terms of benefits-related issues, then, it would appear that we can pretty much know what to expect." (Baker & Daniels) [Opinion] The Real Mandate Is to Bridge the Wealth Gap Excerpt: "THE new president will have a clear mandate to redress economic inequality. During the campaign, John McCain made sure that voters clearly heard Barack Obama say 'spread the wealth around,' and they elected him anyway. Indeed, there has been a significant, decades-long trend toward greater inequality that needs to be corrected. The president-elect needs to seize the opportunity and to do something really effective to prevent inequality from getting much worse." (Robert J. Shiller via The New York Times; free registration required) A New Political Environment for Labor and Employment Issues (PDF) 4 pages. There are brief comments on Pay Discrimination, Executive Compensation, Pension Protection, and 401(k) Fiduciary Liabilities. (Morgan, Lewis & Bockius LLP) Outlok for the 111th Congress & President-Elect Barack Obama (PDF) 35 pages. See pages 4, 18, 23, and 32 for items on taxes, employee benefits, pensions, health care, and Health Information Technology (HIT) Privacy Legislation. (Alston & Bird LLP) Obama's Plans for Your Retirement Excerpt: "The leading edge of the baby boomers will hit age 65 during Barack Obama's administration. Legislation enacted over the next four years will be key to boomers' economic security in retirement, especially as investors frantically try to recover from massive stock market losses before they retire. Here's a look at the president-elect's major retirement proposals . . . ." (U.S. News & World Report) Labour and Employee Benefits: An Overview (PDF) 9 pages. Excerpt: "Philip M Berkowitz of Nixon Peabody LLP provides an overview of the principal federal, state and local laws governing labour and employment relations in the U.S." (PLC US Special Report via Nixon Peabody LLP) [Opinion] Commentary: Retirement Savings Reforms Need to Be on Obama's Radar, and Soon Excerpt: "It's time for this country to fix how Americans save and invest for retirement, including IRAs but especially the 401(k), the employer-sponsored retirement plan of record for half of working Americans. Nearly 30 years after being introduced, the 401(k) has proven -- in some ways -- to be an abject failure and now would be as good a good time as any to overhaul it. Otherwise, Joe the average 401(k)/IRA investor is going to be in big trouble." (MarketWatch) Obama Proposals Include Retirement Plan Changes Excerpt: "[Some] reforms Obama has supported include: Eliminating income taxes for seniors making less than $50,000 a year. . . . Creating automatic work place pensions by requiring employers who do not currently offer a retirement plan to enroll workers in a direct-deposit IRA account that is compatible with existing direct-deposit payroll systems. . . . Matching 50 percent of the first $1,000 of savings for families that earn less than $75,000 a year. . . . Regulating pensions more strictly by ensuring that bankruptcy courts cannot use pension funds to pay creditors ahead of some other company assets, prohibiting companies from giving executive bonuses while cutting worker pensions, and limiting the circumstances under which retiree benefits can be reduced." (AP via MSN.Money) [Guidance Overview] President-Elect Obama's HR-Related Proposals (PDF) 14 pages. Excerpt: "Hewitt's post-election report . . . provides specific information on President-elect Obama's positions on health care, retirement benefits, tax policy and employment practices. " (Hewitt Associates) How Will Obama's Tax Plans Work in This Economy? Excerpt: "Most of the ideas were floated before credit markets froze and the economy faltered. By the time the Obamas and their new puppy settle into the White House, things could be even worse. Pundits say this could force Obama to shelve his tax plans while he focuses on the economy. 'Most of his tax proposals will be deferred because they don't have a stimulus effect and some of them will make the economy worse,' says Roberton Williams, principal research associate with the nonpartisan Tax Policy Center." (San Francisco Chronicle) Orange County, CA Voters Overwhelmingly Support Effort to Block Public Pension Spikes Excerpt: "Voters overwhelmingly endorsed limiting the power of county supervisors to sweeten pension payouts for public employees. In early returns, Measure J was supported by a whopping 78 percent of the vote, among the absentee and early voting results being reporting as of 9:30 p.m. last night. The measure is a public rebuke of the stewardship that county supervisors have given the pension system, which is now only 73 percent funded and runs a $3 billion unfunded liability." (Orange County Register) Immediate Legislation Required to Weather Financial Impact on Pensions, American Benefits Council Says Excerpt: "The financial crisis is having an unprecedented impact on qualified retirement plans across the board at the employer, employee, and retiree levels, James Klein, President of the American Benefits Council (ABC) stated at a press briefing in Washington, DC on October 22, 2008. Unveiling ABC's '10-Point Plan to Help Employees and Retirees and to Strengthen the Economy and the Retirement System,' Klein emphasized that existing tax law is standing in the way of an immediate solution and that Congress needs to act quickly to remedy the situation." (Wolters Kluwer) New Savings Plan Could Help Millions Excerpt: "Here's how [the Automatic IRA] would work: Companies with more than 10 employees that have no retirement plan and have been in business for more than two years would be mandated to offer a payroll-deduction saving option -- similar to the way employers deduct for taxes. Employees would be enrolled automatically when they are hired, unless they choose to opt out." (The Columbus Dispatch) [Opinion] The Question of Hardship Reductions of Nest Eggs Excerpt: "Presidential candidates John McCain and Barack Obama have proposed to let cash-strapped Americans forgo penalties for early withdrawals from their 401(k)'s and IRAs. For older participants, they've also proposed a temporary relaxation of the requirement that people must make annual withdrawals from their IRAs and 401(k)'s beginning at the age of 70½. These are not break-the-budget proposals, but, hey, the budget's already broken, so that's not even much of an issue these days. No, the issue here boils down to whether giving individuals the right to make their own financial choices leads to good decisions. And if the answer is no, should the government step in?" (U.S. News & World Report) U.K. Government Tax Raid on Every Private Pension As Value of Cushy Public Sector Schemes Soars to £1trillion Excerpt: "Gordon Brown's tax raid on pension funds has snatched £17,000 from every worker's retirement pot, research says today. Yet the value of public sector schemes - funded by taxpayers - has soared to an astonishing £1trillion. Opposition MPs, business chiefs and campaigners demanded an investigation into the growing 'pensions apartheid'." (Daily Mail) [Guidance Overview] New York State Pension Reforms Signed Into Law by Governor Paterson Excerpt: "On October 10, 2008, Governor Paterson signed into law legislation designed to drastically reform the state pension system in light of numerous widely published reports of abuses within school districts and other municipal entities. The impetus for the legislation stems from the discovery of attorneys who were being paid as both an employee and independent contractor of school districts and other municipal entities as well as abuses of the pension system by recent retirees who received waivers which allowed them to work and get paid a salary for essentially the same positions for which they were simultaneously collecting pensions." (Bond, Schoeneck & King, PLLC) [Opinion] Group Letter to House Education and Labor Committee on Needed Pension Funding Reform (PDF) 3 pages. Excerpt: "On behalf of the thousands of employers that we represent and their millions of employees, the undersigned organizations urge you to consider legislation that would help companies navigate the current economic crisis while minimizing adverse impacts on the pension benefit plans they sponsor." (American Benefits Council) Beware of Congress's Threat to Tax 401(k)s Excerpt: "Some Democrats in Congress have held hearings that included discussions of new proposals to tax 401K money. Specifically, the idea would be to eliminate most of the $80 bn in annual tax breaks that 401(k) investors receive. Which means a nearly $80 bn tax hike." (FOX News Network, LLC) [Opinion] Should Feds Rescue Retirement System, Too? Excerpt: "Even before the recent collapse of investment values, the paltry sums in private retirement accounts caused concern if not alarm among pension and retirement experts. Now, the wolf is not only at the door but in the room, and is devouring what little remains of the financial future of millions of Americans. Pretty much all of Washington is shoveling hundreds of billions of dollars to shore up the nation's financial system and restore liquidity to the global credit system. And there is growing if belated support for providing direct aid to millions of homeowners who otherwise can't afford to stay in their homes. But while these concerns are front and center, there's been little but hand-wringing when it comes to the huge losses suffered by individual retirement accounts, what's left of traditional private defined benefit pensions, and state and local retirement programs." (U.S. News & World Report) Argentina Pension Funds Try to Avoid Nationalization Excerpt: "Argentina's private pension funds will propose a series of reforms as an alternative to the government's bid to nationalize the system, newspaper La Nacion quoted a top sector official as saying on Sunday." (Reuters) Experts Push for Greater Relief on DB Accrual Rules at IRS Hearing Excerpt: "While the IRS and Treasury have recently given defined benefit plans a break on their Code Sec. 411 accrual requirements, some practitioners feel that the agencies could go further in these efforts. Testifying at an October 15, 2008 public hearing . . . ." (Wolterks Kluwer Law & Business) [Opinion] Retirement Plan Policy Changes Needed? First, Do No Harm to 401k Plans Excerpt: "Americans aren't pension-poor because of the stock market but because of the typical employer match of 3%. Of the eight countries in the advanced world using defined contribution plans the US rate is the second lowest-even Mexico's employers have to contribute 6% of pay." (Jane White on 401kHelpCenter.com) [Opinion] Public Pensions Place Undue Burden on Staggering Economy Excerpt: "The ticking time bomb of overpromised, underfunded public pension plans has finally exploded. Here are a few articles to consider: . . . The above is just a random sampling of hundreds of articles about pension plan woes. 40% of pension plans are underfunded - and that assumes future returns of 8% annually. Good luck with that." (Minyanville) Should a Demand for Change Include 401(k) Plans? Excerpt: "A number of economists are calling for changes to the current 401(k) savings system. Some proposals wouldn't affect workers much while others would force everyone to save and would have broad impact on the retirement planning industry." (AP via Forbes) [Opinion] Pension Freezes by Public Employers Can Have Harmful Consequences Excerpt: "The research finds that freezing a DB plan and moving to an individual defined contribution (DC) plan can increase costs to employers and/or taxpayers due to higher costs of operating two plans, erosion of economic efficiencies, and front-loaded contribution requirements; and further exacerbate retirement insecurity concerns, which in turn can hamper worker recruitment and retention effort, result in higher turnover rates, create labor shortages, increase training costs, and lower productivity levels." (National Institute on Retirement Security) [Official Guidance] Text of Federal Register Notice with Further Details About IRS TE/GE Advisory Committee Vacancies Excerpt: "ACT members shall be appointed by the Secretary of the Treasury and shall serve for two-year terms." (Internal Revenue Service) IRS Seeks Applications for TE/GE Advisory Committee (PDF) 1 page. 2 vacancies for persons representing the Employee Plans customer segment. Excerpt: "The Internal Revenue Service seeks applications for vacancies on the Advisory Committee on Tax Exempt and Government Entities (ACT), which provides the IRS with public comments regarding critical tax administration matters." (Internal Revenue Service) Current Financial Crisis Might Pale in Comparison to Looming Social Security Liability Excerpt: "[T]he deteriorating financial condition of our federal government in the face of skyrocketing health-care costs and the baby-boom retirement could fairly be described as a super-subprime crisis. It would certainly dwarf what we're seeing now." (by David M. Walker, former Comptroller General, on CNN Money) Argentinean Private Pension Funds to Be Nationalized Excerpt: "The Argentinean government has moved to nationalize its private pension system, making Pay-As-You-Go the only system that will be available to the public for mandatory contributions. A bill was sent to Parliament on October 21, 2008, and is expected to be approved in November, 2008." (Watson Wyatt Worldwide) CRS Report for Congress: Retirement Benefits for Members of Congress (PDF) 16 pages; update October 28, 2008. Excerpt: "As of October 1, 2007, 435 retired Members of Congress were receiving federal pensions based fully or in part on their congressional service. Of this number, 286 had retired under CSRS and were receiving an average annual pension of $63,696. A total of 149 Members had retired with service under both CSRS and FERS or with service under FERS only. Their average annual pension was $36,732 in 2007." (Congressional Research Service, U.S. Library of Congress) [Opinion] Group Letter of Oct. 27, 2008, to House Ways and Means Committee on Needed Pension Funding Reform (PDF) 3 pages. Excerpt: "On behalf of the thousands of employers that we represent and their millions of employees, the undersigned organizations urge you to consider legislation that would help companies navigate the current economic crisis while minimizing adverse impacts on the pension benefit plans they sponsor." (American Benefits Council) 'Flawed' 401(k) Laws Putting Retirement at Risk Excerpt: "'People mistakenly think they have an employer pension plan and don't understand that their retirement income, other than Social Security, is in very serious jeopardy right now,' said [Law professor Richard L.] Kaplan, who wrote a 2004 article on the risks of 401(k) plans that appeared in the Arizona Law Review. He argues that Congress should rewrite laws to allow 401(k) programs only in concert with defined-benefit pensions, even if it means more companies join the roughly half of U.S. employers that offer no retirement savings plan." (ConsumerAffairs.com Inc.) [Opinion] Washington Must Find Ways to Help Companies Keep Their Pension Promises Excerpt: "More and more companies are falling behind in the investments needed to keep those pension promises, and more and more are considering the option of terminating their pension programs to save money. Congressional action is needed to help preserve employees' pensions by changing rules to allow companies to offer plans that are easier to fund. Otherwise, a grim erosion in traditional plans is likely to accelerate." (The Baltimore Sun) U.S. Businesses Ask Congress for Relief on Pensions Excerpt: "Fifteen U.S. business groups have asked legislators to provide relief on a pension plan funding law to help companies avoid having to freeze or end pension plans that may be inadequately funded because of the financial crisis. They want Congress to lower levels at which pension plans must be funded and to clarify whether they could smooth out the market values of pension plan assets over several years in financial reports." (Reuters) McCain vs. Obama: The Candidates Respond to an Employee Benefit Questionnaire Excerpt: "This year, 12 esteemed associations joined forces with the Pension Forum, Pension & Investment Magazine, and Pension & Benefit Power Magazine to create The 2008 Presidential Candidate Employee Benefit Questionnaire -- a comprehensive list of essential policy position questions for the candidates. Here, we share the series of important questions posed and we gain perspective on our candidates' vision regarding employer provided health care and retirement issues." (Pension & Benefit Power) |
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