Here’s the one-sentence summary: Your pension dies with you only if you pick the wrong option, forget to name a beneficiary, or work for a company that hates joy. Otherwise, you can leave a financial legacy that makes your family say, “Wow, Aunt Carol really thought of everything!”
Pro tip: Don’t procrastinate. Check your pension statements today. If you can’t find them, pretend you’re a detective in a TV show. Cue dramatic music. Then call your plan administrator and ask, “What happens to my money when I become a ghost?” They’ll be impressed by your candor.
