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    • 3. 发明申请
    • Method and system for providing employer-sponsored retirement plan
    • 提供雇主资助退休计划的方法和制度
    • US20070033124A1
    • 2007-02-08
    • US11488317
    • 2006-07-18
    • Daniel HerrRobert Toth
    • Daniel HerrRobert Toth
    • G06Q40/00
    • G06Q10/1057G06Q40/08
    • A method of administering income distributions from an employer-sponsored retirement plan having a participant account value comprises providing an option to a plan participant to elect lifetime payout funded by at least a portion of the participant's account value; providing an option to the participant to elect an excess period during which a participant maintains control over the portion of the account value; transferring the portion of the participant's account value into a group annuity contract; determining an initial benefit payment under the terms of the group annuity contract; determining a subsequent benefit payment; and paying the initial and subsequent payments to the participant. Other embodiments include one or more of these, and the step of determining a charge to be paid by the participant for the guaranteed lifetime payout.
    • 从具有参与者帐户价值的雇主资助的退休计划中管理收入分配的方法包括向计划参与者提供选项以选择由参与者的账户价值的至少一部分资助的终身支付; 向参与者提供选择权以选择超出期限,在此期间,参与者对该部分账户价值进行控制; 将参与者账户价值的一部分转入集团年金合同; 根据集团年金合同的条款确定初始福利金; 确定随后的利益支付; 并向参与者支付初始和后续付款。 其他实施例包括这些中的一个或多个,以及确定参与者为保证终身支付支付的费用的步骤。