I am a surviving spouse. I had Ernst and Whinny (at the time) run the numbers for me which way would be best financially. Supposing that I would live to a nice old age, taking monthly payments was advised as the better way to go.The pension comes from a very large cap company not likely to go under anytime in my lifetime.I agree, if your company has problems, take the money and run.My daughter works for a company that is "employee owned" (ESOP) and that is what she gets in her 401K. Just company stock. I keep telling her take it all out year end. I know she doesn't. There is no pension in her future.Those of us who have pensions are lucky.~Birgit
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