Pension Action Center

Retrieve. Protect. Maximize.

Fact Sheets

These fact sheets, published by the Pension Action Center and other organizations, provide clear and useful information on a variety of pension and retirement issues. The fact sheets are intended to provide general information only; they are not intended as a substitute for legal advice.

General Retirement

What You Should Know About Your Retirement Plan

Why People Need Pensions

Tips for Keeping Track of Your Pension

Understanding the Differences Between Defined Benefit Pension And Defined Contribution

Understanding the Specialized Language of Retirement Plans

Protecting Retirement Savings

Protect Your Pension: Important Documents You Should Keep

Protecting Your Retirement Savings from Potential Creditors

Pension Rights After Divorce

Private Pensions


Getting the Most Out of Your 401(k)

Company Bankruptcy and Pension Freezes

Your Employer Bankruptcy. How Will it Affect Your Employee Benefits?

My Company is Freezing the Pension Plan. What does this mean? What should I do?

Lump Sum vs. Annuity

Should You Take Your Pension as a Lump Sum?


What is Recoupment?

Potential Private Retirement Benefit Information

Frequently Asked Questions on SSA Potential Private Retirement Benefit Information

Social Security

Windfall Elimination Provision

Government Pension Offset

State Public Workers and Retirees

Key Facts Regarding State and Local Government Defined Benefit Retirement Plans

State Retirement Plans and Divorce

Massachusetts State Public Worker Retirees: How are they doing?

Summary of Massachusetts State Pension Reform Law: Chapter 176 of the Acts of 2011


What veterans and their families should know when applying for Department of Veterans Affairs (VA) pension benefits

Picture of a woman on the phone for the Pension Action Center

Questions About Your Pension?

UMass Boston’s Pension Action Center can help. Call us toll-free at 888.425.6077 or request help online. Read More 

New England and Illinois Pension Counseling Projects

Learn more about what the lawyers and pension counselors at the center's counseling projects do and the types of cases they handle. Read More 

Giving to the Pension Action Center

Help people understand retirement benefits through a gift to the center. Read More 

Investor Education Initiative

The Pension Action Center was recently awarded a $20,000 grant for new investor education initiative. Read More