退休計劃對背心意味著什麼？
退休計劃對背心意味著什麼？
 It means that you'll receive whatever full benefit you have accumulated or qualified to receive. The opposite of vesting would be forfeiture. In other words, if you are not fully vested under a plan you will forfeit certain benefits (and in some cases all benefits) if you terminate from the plan. Vesting a process that takes place over time and is used to encourage employees to stay in the plan (i.e. stay with the company). Conversely it can also be used somewhat nefariously as a way to prevent payment of certain benefits, or to prevent the obligation of paying certain benefits to shorter term employees. Vesting as a practice is guided by rules set forth by the Employee Retirement Income Security Act (ERISA). ERISA also requires full automatic vesting for any employee who has reached his or her "normal" retirement age, defined in the United States as the age at which you become qualified for full Social Security retirement income benefits. This automatic vesting happens regardless of years served as per normal vesting schedules.
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