in emergency medicine, family practice, pediatrics, internal medicine, general surgery and obstetrics and gynecology.

The Association of American Medical Colleges projects a shortage of 6,000 physicians in Michigan by 2020 and recommends a 30 percent increase in medical school enrollment by 2015. About 25 percent of the U.S. population lives in rural areas, with 10 percent of physicians practicing in those areas.

The CMU College of Medicine has established locations in Saginaw, including the CMU Medical Education Partners formed with the former Synergy Medical Education Alliance and Department of Surgery formed with Midwestern Surgical Associates.

Maidlow said the CMU College of Medicine will bring an assurance of quality to patient care in Saginaw.

The doctors patients see are the same ones who will teach students and residents, he said, and they mustin 1975, the year after ERISA was signed into law. The highest level ever was the early 1990s, when fewer than 4 in 10 (both public- and private-sector workers) reported pension income, according to EBRI tabulations of the 1976–2011 Current Population Survey (in 2010, 34 percent had pension income).

Perhaps more telling is that that pension income, vital as it surely has been for some, represented just 20 percent of all the income received by those 65 and older in 2010. In the “good old days” of 1975, it was less than 15 percent.

In fact, in 1979, just 28 percent of private-sector workers were covered “only” by a defined benefit (DB) plan (another 10 percent were covered by both a DB and a defined contribution plan), according to Department