My dad has a pension and is drawing on it now. My mom only worked intermitently, so no pension. Between the pension and drawing social security for both of them, I think they are at about 90-100% of pre-retirement income. At this point, he has not started withdrawing from his IRAs or thrift savings plan.
I had a pension at my last employer. I was able to convert it to a cash balance pension and roll it into an IRA when I left (or I should say, when the company went under).
My current employer offers a pension. I only need to be there five years and I will be vested.
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