This woman lived in a different state than her daughter and son-in-law. After it was evident that she wasn't doing well living out of state on her own, they arrived there at her home. One of the many things they discovered that was amiss was that this woman had a pension plan that she was not using, e.g. she should have been receiving a monthly annuity. However, she had no idea of how to implement the monthly "payments," let alone the fact that she even possessed a pension plan FOR THREE YEARS. That said, I wanted to mention this in the event that others may benefit from it.