Illustrations: Elwood Smith

Where to Get a Pension Tune-Up

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AARP
Offers online pension information in its Money & Work channel. Check out the AARP Bulletin web site's retirement calculator. Also, order the free booklet "Your Pension Plan" (D13533); call 800-424-3410.

The American Academy of Actuaries
Offers up to four hours of free help with the math details of your pension. Get a referral by calling 202-223-8196. Or log on to www.actuary.org: Click on "Pension," and go to the "PAL Program."

National Pension Lawyers Network
University of Massachusetts, Boston.
Connects workers and retirees with questions to experts. Call 617-287-7332, or log on to www.pensionaction.org.

The Pension Rights Center
Provides a very informative Web site at www.pensionrights.org. See especially "Pension Help," which includes a listing of the Administration on Aging's free pension-counseling help centers nationwide. 1140 Nineteenth Street NW, Suite 602, Washington, DC 20036, or call 202-296-3776.

Pension and Welfare Benefits Administration
Provides good information on how to protect your pension, and will pursue action against employers that misuse pension money. Operates 15 regional offices nationwide. Call 866-275-7922, or log on to www.dol.gov/pwba.