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Section C
Directions: In this section, you will hear a passage three times. When the passage is read for the first time, you should listen carefully for its general idea. When the passage is read for the second time, you are required to fill in the blanks numbered from 36 to 43 with the exact words you have just heard. For blanks numbered from 44 to 46 you are required to fill in the missing information. For these blanks, you can either use the exact words you have just heard or write down the main points in your own words. Finally, when the passage is read for the third time, you should check what you have written.
Many workers depend on plans (36) ________ by their employers to help pay for their retirement. There are two major kinds of retirement plans. One is defined by what is paid out, the other by what is paid in.
The first is called a defined (37) ________ plan, or pension. It provides set (38) ________ based on the number of years an (39) ________ has worked. These plans often pay for health care and other costs. They might also provide money to family members when the (40) ________ dies.
Pensions, however, can be a big cost to employers. In the United States, the change from a (41) ________ economy to a service economy has resulted in fewer and fewer (42) ________ plans.
The other major kind of retirement plan is called a defined (43) ________ plan. Two things define how much a worker will get at retirement. (44) ________________________.
One popular version is a four-oh-one-k plan, named after a part of the tax law. (45) ________________________.
But some plans are very complex. An easier way for small employers to offer retirement savings is through a Savings Incentive Match Plan. (46) ________________________.
