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^^well yes, and no.
It just so happens that the two types of 'retirement plans' are differentially treated by fafsa. If one works for the government say (or UAW), the retirement pension grows every day one is on the job. But, that "choice" is made through collective bargaining. The workers (collectively) CHOOSE have thier employer contribute to their retirement by taking a lower salary in the job. They could just as easily CHOOSE to vote for zero pension but more salary, or more health care dollars, or a car allowance, or whatever they could get in return for zeroing out a defined benefit pension plan; the employer is somewhat indifferent to these individual choices bcos its the total cost of the worker that matters to the bottom line.
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