Document Type

Fact Sheet

Publication Date



No matter what kind of pension or retirement plan your employer offers, you should keep certain documents indefinitely to ensure that you receive the retirement benefits you have earned.

This fact sheet was produced as part of the Pension Action Center’s investor education program, made possible thanks to a grant from the Investor Protection Trust, a nonprofit organization devoted to investor education, and support from the Secretary of the Commonwealth of Massachusetts.


This fact sheet is intended to provide general information about pensions and other retirement benefits and should not be used as a substitute for a consultation with an attorney or other legal professional. Individuals should always consult a legal or financial advisor to discuss the facts and circumstances of their specific situations.

Because of the rapidly changing nature of the law affecting pensions and other retirement benefits, the information published online by the Pension Action Center is subject to change without notice. Although every effort has been made to verify the accuracy of information presented, there may be errors.

If you find inaccurate data in this fact sheet or on our web site, please let us know by sending an e-mail to the Pension Action Center at

Community Engaged/Serving

Part of the UMass Boston Community-Engaged Teaching, Research, and Service Series.


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