根据法律规定，这是理所当然的。雇主没有义务照顾已退休的前员工。这也就是国家退休金存在的原因。许多雇主选择在员工个人的独立退休基金账户中存钱，存入金额与员工自己存入的相当。

    Before we go any further, a quick explanation of the differences between a pension and a pension fund: a pension is a monthly stipend paid out to retired or disabled people who are no longer able to work. A state pension is provided by the government, and paid for by the taxpayer. A pension fund is like a bank account, into which the owner pays a certain amount every month and from which he can draw a regular monthly payment in his old age.

    在接着往下说之前 ......