This comment below caught my eye:
... When your OWN MEMBERSHIP has no idea of the union benefits, let alone outsiders, you have a massive, massive messaging problem. And it hurts all of us, especially those of us who want to see membership grow. ...
At the risk of chronic redundancy, when you work under the jurisdiction of The Animation Guild, you get three pensions.
The first is a Defined Benefit Plan with a five-year qualifying period. When you qualify for it, you get a monthly check at retirement age.
The second is a lump-sum payout from the Individual Account Plan, into which your employer pays from $4000 to $5000 per year. (The amount is a percentage of the Minimum Wage Rate at which a given employee is working.)
The third is an optional 401(k) Plan into which you can defer up to $16,500 of your annual salary.
We talk and post about these pensions all the time. We hold weekly orientation lunches for new members where we expound on them in great detail. We put pension details on our website and in our newsletter. Even so, we get members who are astounded that they have all these freaking pensions.
Sometime we feel like tearing our hair out, but we press on, letting people know the pension benefits that are out there, helping them to fight poverty in their old age. We feel it's our solemn duty as good union reps and upstanding American citizens.