Many workers depend on plans (36) by their
employers to help pay for their retirement. There are two major kinds of
retirement plans. One is defined by what is paid out, the other by what is paid
in. The first is called a defined (37) plan,
or pension. It provides set (38) based on the number of
years an (39) has worked. These plans often pay for health
care and other costs. They might also provide money to family members when the
(40) dies. Pensions, however, can be a big
cost to employers. In the United States, the change from a (41)
economy to a service economy has resulted in fewer and fewer
(42) plans. The other major kind of
retirement plan is called a defined (43) plan. Two things
define how much a worker will get at retirement. (44)
One popular version is a four-oh-one-k plan, named
after a part of the tax law. (45) But some
plans are very complex. An easier way for small employers to offer retirement
savings is through a Savings Incentive Match Plan. (46)
【参考答案】
The first is how much both the worker and the employer paid ......