Today's pension scheme should reduce more uncertainties after retirement; however, sometimes some uncertainties have been ignored by many pension schemes. For example, the retirement age has been delayed several times. However, when the workers start their pension schemes, they expect different retirement ages. This makes the contract unfair and workers should be provided the minimum and the maximum age that they can start collecting their pensions or they should be allowed to have complete controls over their ages of starting receiving pensions.
(not finished)
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