Retirement pension should be passed to children or living relatives (immediate family or distant family members) of benefit holders.

For centuries the organizations that controls pension takes the money from workers to giving them a comfortable living after their work years. But when those same workers pass away, the companies takes all of the hard worker's money and put it back in the pension pot. They put the hard worker's money back in the pension pot while their family suffers financially. This shouldn't happen. The monies earned by and individual should be passed down to a remaining family member(s) immediately after pension holder's death. 

This will insure that the wokers money be recieved by members of the family which should add to generational wealth for the remaining family member(s).

All pension and 401k should be subjected to this. 401K should be paid out at the highest stock price. 

Any medical benefits due to individual(s) should be forwarded to the spouse until death and children under the age of 27 should receive medical up until 27 years of age. 

But all pension money should be paid out to family until the total pension is depleted. The money shouldn't be subjected too confiscation to pay for collections claims or law suits.

This might possibly illuminate individuals from turning to criminal means to obtain money to survive. It could help families to pay bills after their love ones are deceased.