In 2006 80% of them relied on defined-benefit plans, which pay a pension based on wages and years on the job.

2006年，80%的雇员依靠的是确定给付计划，这就意味着养老金是根据工作的工资和年限支付的。

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They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.

他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。

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How long can we keep government employees on defined-benefit pension plans while the rest of us scramble to fund our 401(k)s?

FORBES: Seven Questions For Week No. 19

With defined-benefit pension plans falling by the wayside, a growing number of buyers are turning to longevity policies to serve as pension substitutes.

WSJ: Should You Buy 'Longevity' Insurance?

It seems clear, though, that Americans have won more responsibility for their retirement portfolios as firms switch from defined-benefit pension plans to defined-contribution plans.

ECONOMIST: Ageing America