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】
It offers investments for workers to put money into. Their e......