pension plan
pension plan — 名詞
1. a way of saving money during your working life so that you receive a regular inc
退休金制度
工作時定期提存，退休後領取的生活保障制度
a way of saving money during your working life so that you receive a regular income after you stop working; you, your employer, or both put money into it over many years
Kofi started a personal pension plan at thirty and adds money from every paycheck.
Kofi 三十歲時開始加入個人退休金制度，每張薪資單都會提撥一部分資金。
personal pension plan for individual retirement savings
First Commercial Bank offers an individual pension plan for freelance designers, with deposits starting at one hundred fifty dollars monthly.
第一商業銀行為自由接案的設計師提供個人退休金制度，存款每月自一百五十美元起。
offer + pension plan + for [type of worker] + with [contribution details]
Since retiring at sixty-two, Mei-Ling has relied on her pension plan to cover her apartment rent and monthly medication costs.
Mei-Ling 從六十二歲退休後，便依靠自己的退休金制度來支付公寓租金及每月的藥費。
Noa met with a financial advisor to compare different pension plans before choosing one.
Noa 約見理財顧問，比較不同的退休金制度後才選擇其中一個。
- retirement plan
more general term that can include other savings methods besides traditional pensions
- retirement savings scheme
British English term, slightly more formal
文法句型
have + a pension plan
contribute to + a pension plan
pension plan + for [person]
用法筆記
A pension plan is the savings arrangement; the money you receive after retiring is called a pension. The two terms are related but not interchangeable.
常見錯誤
2. a retirement savings arrangement that a company or organization offers to its wo
員工退休金
雇主提供給員工的退休福利制度
a retirement savings arrangement that a company or organization offers to its workers, often with the employer contributing money alongside the employee
Chiara signed up for the company pension plan on her first day at the factory.
Chiara 到工廠上班第一天就加入了公司的員工退休金制度。
company pension plan as workplace benefit
Ayah's employer adds five percent of her salary to her pension plan each month.
Ayah 的雇主每月提撥她薪水的百分之五到她的員工退休金帳戶。
employer contribution to the pension plan
The Tainan warehouse union contract raised the company's pension contribution from three to five percent of each worker's pay.
台南倉儲的工會合約將公司的員工退休金提撥比率從百分之三提高到百分之五。
Haruto switched jobs and transferred his old pension plan to his new employer's system.
Haruto 換了工作，把原有的員工退休金帳戶轉移到新雇主的制度。
- company pension scheme
British English; refers to the same employer-based arrangement
- workplace pension
modern, neutral term common in policy discussions
文法句型
offer/provide + a pension plan
join/sign up for + a pension plan
under + [employer's] pension plan
用法筆記
In Taiwan, the employer-sponsored pension plan is commonly called 勞退制度 (labor pension system) under the Labor Pension Act.