To be clear, the pension was frozen. I retired about 4 years ago. I'm getting my pension. When they froze the pension, I started putting more into my 401(k), and Con-Way upped the match for a while, so I'm doing OK. I didn't retire until I was eligible for Medicare, so health care is OK too. My advice to you is don't depend on your employer or the government to fund your retirement. Save and invest.