<prompt> Human: Im 26 And have worked for a Telecommunications Company that just went through a multi-billion dollar merger. Weve just been informed post-merge that as of August they will be freezing our Pension I am fully vested and instead make contributions 3 of eligible pay to a Retirement Accumulation Plan through Fidelity. Do I have any options here? Am I able to cash out that pension or roll it into my 401k? Or is it just going to sit there until I leave the companyRetire? How are RAPs different from pensions and what should I be aware of?Within a week my department is going to have a meeting with HR to address any concerns we have. So I was also curious if theres anything in particular that I should be weary of or clarify?Thank you in advance for any advice you may have! D  <response>: Looks like they just wont be contributing going forward. Legally they cant undo any of what youve earned in the past.The RAP is their new structure. I recommend you take full advantage of it. Just like everything in our society, retirement is going private and in the employers direction. 