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Why do you think that?

httpss://en.m.wikipedia.org/wiki/Pension_Benefit_Guaranty_Corporation




PBGC only insures some part of a pension, has many exclusions, and is definitely not "funded" enough itself to protect against the number of pension funds that are running out of funds.

https://www.ai-cio.com/news/multiemployer-pension-lifeboat-s...


Note that certain non-profits are not obligated to be federally insured. The most notable example of this is hospital staff, as a significant number of hospitals are run by religious organizations.




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