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Retirees often miss out on all of the benefits that might be available to them because they don’t know their pension is available or don’t understand the consequences of failing to respond to plan communications. The Employee Benefits Security Administration of the U.S. Department of Labor is working to change that.

The first step in addressing any problem often is knowing that there is one. The agency has learned from its experience and from plan sponsors that the following red flags often are warnings or indicators of a problem with missing or nonresponsive participants:

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