## Women and
Pensions:What Women Need to Know and Do



While all workers need to save more for retirement, women face
additional challenges because they have lower earnings, experience higher job
turnover,  and are employed in industries with low or no pension coverage.  This
pamphlet is designed to provide basic facts about retirement benefits and
identifies sources for more information.

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### How to Find Out More

Here are sources of information to help you prepare for retirement.









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### Reference List

For more information about retirement plans, you may request the following
publications at the address below:

- What You Should Know About Your Pension Rights (No. 358C, 50¢).
- Top Ten Ways to Beat the Clock and Prepare for Retirement (No. 568C,
Free).
- Your Guaranteed Pension (No. 620C, Free).

Consumer Information CenterPueblo, Colorado
81009

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### Pension Checklist for Women

| | Y | N |                                                                                    
| | - | - | -----------------------------------------------------------------------------------
| |   |   |                                                                                    
| |   |   | Does your employer have a pension plan?                                            
| |   |   |                                                                                    
| |   |   | Do you know what type of plan it is?                                               
| |   |   |                                                                                    
| |   |   | Are you included in the plan?                                                      
| |   |   |                                                                                    
| |   |   | Have you worked long enough to earn a pension?                                     
| |   |   |                                                                                    
| |   |   | Do you know how much your pension will be?                                         
| |   |   |                                                                                    
| |   |   | Do you know what happens to your pension if you retire early?                      
| |   |   |                                                                                    
| |   |   | Do you know what happens to your pension if you change jobs?                       
| |   |   |                                                                                    
| |   |   | Do you know what happens to a pension if you or your spouse dies?                  
| |   |   |                                                                                    
| |   |   | Is your pension insured?                                                           
| |   |   |                                                                                    
| |   |   | Do you have pension information from all your jobs?                                
| |   |   |                                                                                    
| |   |   | Do you know what benefits your spouse's plan provides?                             
| |   |   |                                                                                    
| |   |   | Are you entitled to a portion of your spouse's pension benefit if you get
divorced?
| |   |   |                                                                                    
| |   |   | Do you know the Social Security benefits to which you may be entitled?             
| |   |   |                                                                                    
| |   |   | Can my pension benefits be reduced by Social Security or other goverment
payments? 
| |   |   |                                                                                    
| |   |   | Do you know how you can save for retirement if you do not have a pension
plan?     

Produced by PWBA's Division of Public Affairs -- 1996.

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