
Pensions were once the cornerstone of retirement security—but for many boomers in Ohio, they’ve become a source of confusion and costly mistakes. Whether you’re a public employee, factory retiree, or private sector worker with a legacy plan, navigating pension benefits isn’t always straightforward. These eight traps continue to trip up retirees across the state, leading to reduced payouts, missed opportunities, and financial stress. Here’s what to watch for—and how to avoid them.