Members of real unions belong to the Nursing Homes and Related Industries Pension Plan (NHRIPP).

The biggest difference is that the NHRIPP is a “targeted benefit plan,” focusing on the benefits you receive. Whereas the CLAC pension plan is a “defined contribution plan,” where the benefits you get depends on how well they invest your money.

The NHRIPP shares investment risk with more than 90,000 other plan members. With a CLAC pension, you’re on your own.