Variable / Adjustable Pension Plans

This white paper discusses a couple of new adjustable pension plan designs available to plan sponsors and the rationale for why they should be considered.

·        For years employers contributing to Defined Benefit Pension Plans have been wary of the risks associated with these plans.
·        With the national move to Defined Contribution Plans, individual participants have fully taken on investment and longevity risk.
·        With the new variable / adjustable benefit plans and variable accrual plans, pension plan risks can be shared between employer and employee, providing contribution stability for employers, shared investment risk and the ability to provide employees a monthly income payable for life.
·        We urge you to keep reading to find out the details behind these plans designs and the options available.

As published at