My thoughts on this are from a different prospective. My brother worked at Ford. He was all union, all the way, yada yada yada...........he died at 49...........2 years more and he would have FULL retirement, but alas, he died, heart attack, and his wife got.........................................NOT ONE **** PENNY of his retirement, not one! The UNION duds came by the funeral home, big deal. That was the last we saw of them............
He drove Fords, bought them for his kids, and his widow still buys them...............A,X or whatever plan.