Introduction
Many people have no idea of what they expect to achieve after retirement when asked about their retirement plans. The government’s policies about retirement do not cater for the well-being of retirees creating a lot of worry for the life after employment. The increasing number of employees demanding cover by government pension programs and the current decline in the retirement income levels contributes to the change of the American pension landscape (Heiland and Li, 2012). The United States of America developed labor laws during the time when the country’s economy was independent and self-contained. The main aim of ...