他们可能提供类似401 (k)计划的退休金方案。
They might offer retirement plans similar to what are called 401 (k) plans.
若干州已不得不为已经低于所需资金水平的退休金方案提供贷款。
Several states have had to borrow money for pension plans that have fallen below required funding levels.
然而，只要退休人员在世，传统退休金方案就支付固定金额的退休金。
Still, traditional pension plans pay a set amount for as long as a retiree lives.
TIAA - CREF公司的Wilson说，他们的理财方案试图回答三个问题：1我在实现退休金目标么？
TIAA-CREF's Wilson notes that their financial planning advice is designed to answer three questions: 1 Am I on track to reach my retirement goal?
这样的效果有点像退休金从“确定收益”方案向“确定缴费”方案转变。 开支的节省由此而来——因为这一资助并不像如今的那样包罗万象。
The effect would be a bit like changing from a defined-benefit pension to a defined-contribution one.
人们对此提出了一些解决方案，其中包括：提高社会保障税，推迟领取养老金的起始年龄(比如68或70岁，不再是65岁)，减少退休金数额。
A number of remedies have been proposed, among them higher social security taxes, a later age of eligibility (68 or 70 instead of 65) and reduction of benefits.
人们对此提出了一些解决方案，其中包括：提高社会保障税，推迟领取养老金的起始年龄(比如68或70岁，不再是65岁)，减少退休金数额。
A number of remedies have been proposed, among them higher social security taxes, a later age of eligibility (68 or 70 instead of 65) and reduction of benefits.
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