Is Having A Pension Plan Worth It? 
This is a very subjective questions and depends on circumstances . For the recipient of pension benefits , the question would be if working at the employer who provides the pension is worth having the benefit -LRB- i.e. are you paid enough in regular salary and have adequate benefits as well as are your working conditions worth keeping the job to receive eventual pension benefits -RRB- . For employers the question would be is the cost of providing the pension benefits justified by that benefit 's ability to attract and retain high quality and talented employees . 