Apart from the Provident Fund, most employees in the non-governmental sector do not have any retirement benefits, and the provident fund itself is already committed to various financial necessities when the time comes for the employee to retire.
Employers would do well to consider the necessity of providing retirement benefits to their employees in this day and age where longevity is becoming a serious problem, and old family values and systems are falling apart at the seams. An employees’ desire to be self-sufficient, and provide for himself and his spouse throughout retired life makes a secure pension plan a must.
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