What HR does to retirees is criminal. They flat out lie or lie thru omission regarding pension and healthcare. The try to dance around the fact that early pension goes hand in hand with health care. Meaning if you take your pension early you have to take their retiree healthcare. Their healthcare cost is 5-6 times more expensive than what one could get through the affordable care act on the open market. They also dance around the fact that you will lose 6% of your pension for every year you retired early so for examples 3 years early meaning 18% -- for those that elect to take their pension early. I worked there for almost 40 years. I ran into a co-worker that worked there about as long. She bought into the lies - taking her pension early and of course their retiree healthcare which is not a choice as they go hand in hand per HR. Her pension check is $36 per month. Finally, I wouldn't be surprised if HR has quantitative goals that they are rewarded on for every pension dollar they save the company AND for every employee that they screw.