{"id":23,"date":"2026-09-09T09:00:00","date_gmt":"2026-09-09T09:00:00","guid":{"rendered":"http:\/\/blogs.room-vu.com\/neashaminsuranceagency-com\/2026\/09\/09\/lifetime-income-options-in-401ks-are-fading\/"},"modified":"2026-09-09T09:00:00","modified_gmt":"2026-09-09T09:00:00","slug":"lifetime-income-options-in-401ks-are-fading","status":"publish","type":"post","link":"https:\/\/www.neashaminsuranceagency.com\/blog\/2026\/09\/09\/lifetime-income-options-in-401ks-are-fading\/","title":{"rendered":"Lifetime Income Options in 401(K)S Are Fading"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/glenn-neasham\/restore-lifetime-income-remotion-videos-1183\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Traditional pensions once delivered lifelong monthly checks, but most US retirement savers now rely on accounts that show balances, not dependable income lasting through retirement.<br \/>\nAmong Americans 65+, guaranteed income from all sources fell from just over half of total retirement income in the early 2000s to ~43% by 2022.<br \/>\nMany retirees wanted a dependable paycheck, and research found guaranteed income supported higher spending and greater retirement satisfaction while easing worries about outliving assets.<br \/>\nAdoption stayed low because employers faced heavier burdens offering annuities, while savers often encountered information gaps, trust concerns, and complex choices too.<br \/>\nSeveral bipartisan federal laws tried to expand workplace annuities, yet impact stayed limited: &lt;10% of plans offered them, and participant uptake remained minimal.<br \/>\nFuture policy could boost adoption by easing employer liability and using default options that preserve flexibility, strengthening retirement secu<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Traditional pensions once delivered lifelong monthly checks, but most US retirement savers now rely on accounts that show balances, not dependable income lasting through retirement. Among Americans 65+, guaranteed income from all sources fell from just over half of total retirement income in the early 2000s to ~43% by 2022. Many retirees wanted a dependable [&hellip;]<\/p>\n","protected":false},"author":0,"featured_media":82,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-23","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/23","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"replies":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/comments?post=23"}],"version-history":[{"count":0,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/posts\/23\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media\/82"}],"wp:attachment":[{"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/media?parent=23"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/categories?post=23"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.neashaminsuranceagency.com\/blog\/wp-json\/wp\/v2\/tags?post=23"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}