THE EDITOR, Madam: With just 20 per cent of Jamaican workers having a private pension plan, the remaining 80% of workers are forced to rely on the National Insurance Scheme (NIS) for a retirement pension. But, surprisingly, the framers of the Pensions Act determined that this pension will only be paid on the basis of a contributor reaching the age of 65 or to the surviving married spouse of a deceased contributor. (Of course there is the disability pension for those who become incapacitated and are unable to work any longer.)