Protecting Your Pension For Dummies by Robert D. Gary (PDF)

Description

Are you concerned about your pension? In today’s tumultuous business environment, you have every right to be. With revised pension laws and under-the-table pension cuts by companies making waves, you have to be ever vigilant about protecting what you have. Protecting Your PensionFor Dummies helps you do just that. This easy-to-follow guide explains all the latest pension laws, what your rights are, and the best ways to keep your money safe. It demystifies the various types of pension plans and outlines just what it takes to qualify for a pension. Once your plan is set up, you’ll see how to navigate company bankruptcies, mergers, and pension cutbacks, as well as divorces, loans, and personal bankruptcy—and take action if you’ve been shortchanged to recoup what is rightfully yours. You get all the expert guidance you need to:Understand the Pension Protection Act of 2006Evaluate different pension plansPlan for retirement while you’re workingEnsure that you get your pensionRequest essential plan documentsUnderstand eligibility, accrual, and vestingGuard your pension from your employer—and from life’s ups and downsUnderstand pension distributionsAnd much moreComplete with a glossary of terms and an appendix of charts and forms discussed throughout the book, Protecting Your PensionFor Dummies is the fun and easy way® to grasp all the important pension rules—and retire with a full nest egg!

User’s Reviews

Editorial Reviews: From the Back Cover Find out about 401(k)s, defined benefit plans, and moreThe fun and easy way® to grasp pension rules, avoid pitfalls, and retire with a full nest eggWant to protect your pension? This comprehensive, easy-to-follow guide explains the big changes in pension laws, how they affect you, and the best ways to keep your money safe. You’ll see how to handle pension plan modifications and company changes as well as personal issues like divorce and bankruptcy — and take action if you’ve been shortchanged.Check pension plan investments and expensesGet the scoop on eligibility, accrual, and vestingPlan for retirement while you’re still workingEnsure that you receive the right pension distributionHire and work with a pension attorney About the Author Robert D. Gary and Jori Bloom Naegele have practiced law together for almost 25 years. Their law firm, Gary, Naegele & Theado, LLC, has recovered additional pension benefits for thousands of pensioners.

Reviews from Amazon users which were colected at the time this book was published on the website:

⭐This is a good overview of various types of pensions. It’s helpful if you and your spouse, significant other, or parents are confused about what is and is not allowed under the different pension provisions. It includes non profit pensions so it worked for me. It also helped me consider if I would rollover my pension if I changed jobs. Finally it had understandable pros and cons of Roth IRAs.

⭐Virtually the entire pension investment and consulting industry is devoted to chasing employers to sell them products or services and speaking and writing well over the heads of the vast majority of the ordinary people who make up the millions of plan participants. It’s little wonder that studies show year after year that the American workforce in increasingly mystified by the terms and procedures of their own employee benefit programs. As an ERISA attorney with more than 35 years experience, and founder of an online employee benefits counseling firm, BenefitsZoom.com, I have rarely found a book so well written for the end user of pension plans. Employers would do well to save a few dollars from the big bucks they pay their brokers and pension consultants and include a copy of this book with each summary plan description they distribute about their pension plans.

⭐As a pension lawyer, I know how difficult and arcane the pension laws can be. Yet they affect tens of millions of employees. I also know how difficult it can be for employees to get access to an understandable explanation of these pension rules. Without this knowledge, employees are at a real disadvantage in understanding and enforcing their rights. And these rights pertain to many employees’ most valuable asset other than their home. This fine book covers the waterfront of all of the important pension concepts and rules in an impressively understandable and readable manner. The reader should not be daunted or intimidated by the subject of pensions when this resource is available. I highly recommend this book to anyone who cares about their retirement savings and well-being. This is one subject where it pays not to be a “dummy.”

⭐This book is a must read for anyone who is worried about retirement and the ins and outs of retirement plans. The information is extremely informative and invaluable. As a financial planner and long term company employee, this book answered the many questions and concerns regarding my 401k and pension benefits that my company corporate benefit department couldn’t answer. It is an easy read and cuts through the legal “mumbo jumbo” to present information in a simple and understandable format. If “Knowledge is power” then this book will definately give you the power you need to be in control of your retirement plan and financial future. Anyone putting away money through a company retirement can’t afford not to buy this book.

⭐This book is a virtual Cliff’s Notes for corporate executives and human resources professionals who must be able to answer questions and speak intelligently about corporate pension plans. The book is neither intimidating nor simplistic. It seems like a great resource for those who need to clearly understand pension plans, whether they are participants or professionals in the business world.I especially like the book’s handy format, using icons which alert the reader to the importance of certain issues and information. If you or your spouse has a pension plan, this book can save you big money. Knowing your rights equals keeping more of your assets. You will learn how to make informed, insightful decisions.The only “dummies” regarding this book are those who don’t read it.

⭐The current investment/economic enviornment could profoundly change many retirement benefits.This book takes complicated information and presents it in a very readable format that is sprinkled with humor.Pensions is one area where a person can not afford to be a dummy – this book will take you out of the dummy status – it is an excellent source of information.

⭐I’ll just repeat the reviews of the previous 2 people….which I also didn’t notice until after I’d bought this.Why on earth is a US Pensions book on sale on amazon.co.uk with no clear indication that it’s totally useless to us? Why would we even want to buy it when it talks about the IRS and pensions acts that have no bearing on our own pensions?I’ve added a suggestion that “US Version” be added to the title and will be sending the book back shortly. Hopefully you will pick this suggestion up quickly before other people fall for it.Like other i trusted the combined brands of Amazon and “For Dummies” (and this is the first time either have let me down).Disappointed.

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