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Old 11-17-2023, 12:43 PM   #11
Anthony
 
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Default Re: Who pays Captain Jamison's pension?

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Originally Posted by thrash View Post
The problem is merchants who "work for the independent free traders." How are individual, privately owned ships able to afford to pay these kinds of pension over the life of the recipient?
It's not inherently more difficult than it is for a larger corporation, it's just a case of "a pension with a business that might not exist in twenty years isn't very useful".

The simplest answer is some form of guild or union; the crewmember or shipping company (depending on how it's set up) pays the dues, which are paid back years later as retirement. See for example the SIU. In the implicit Traveller setting, it's probably associated with the TAS.
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Old 11-17-2023, 02:09 PM   #12
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Default Re: Who pays Captain Jamison's pension?

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It's not inherently more difficult than it is for a larger corporation, it's just a case of "a pension with a business that might not exist in twenty years isn't very useful".
It's also problematic if the business that the pensioner retires from hasn't yet been in existence for twenty years (to accumulate the necessary capital).

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The simplest answer is some form of guild or union; the crewmember or shipping company (depending on how it's set up) pays the dues, which are paid back years later as retirement.
Agreed, and also consistent with much of the presumed source literature (e.g., Norton' Solar Queen stories or Heinlein's Starman Jones), but not otherwise attested in the rules as written. It certainly never made it into the discussion of merchant characters in the OTU.

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In the implicit Traveller setting, it's probably associated with the TAS.
Here, I disagree.

TAS memberships are associated with the prestige services (Navy and Marines, which both benefit from high social status and provide significant social status improvements) or large amounts of ready cash. The existence of a "blackball" process implies a certain level of exclusivity. Merchant characters, on the other hand, don't even rate middle passage tickets at mustering out. If TAS administers pensions for random merchants, that service goes beyond "members and their guests."

Since we know that banks (which finance starship purchases) exist in the implied setting, these or some other mundane financial institution would suffice.
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Old 11-17-2023, 02:28 PM   #13
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Default Re: Who pays Captain Jamison's pension?

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It's also problematic if the business that the pensioner retires from hasn't yet been in existence for twenty years (to accumulate the necessary capital).
Pension systems don't require capital unless they're set up as investments, they can be handled as unsecured debt on the business (the unsecured part, of course, is why employees would be reluctant to rely on a pension from a company they aren't confident will still exist in fifty years). That's why any smaller entity would handle it by giving the money to a presumed-reliable third party.
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Old 11-18-2023, 07:02 AM   #14
Mike Wightman
 
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Default Re: Who pays Captain Jamison's pension?

TAS is available to anyone who has the cash and avoids being black balled.

So TAS may also offer a pension scheme.

Or it could be a pension you buy from an institution on a planet in your setting.
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Old 11-18-2023, 10:43 AM   #15
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Default Re: Who pays Captain Jamison's pension?

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TAS is available to anyone who has the cash and avoids being black balled.

So TAS may also offer a pension scheme.
TAS membership benefits may reasonably substitute for a retirement plan, but if you have the MCr1 to buy a membership you don't really need a pension. Note that Merchants aren't eligible to receive TAS as a mustering out benefit, however. MCr1 is nearly 14 years' salary at the highest paying regular job we know of (Pilot, Cr6,000 per month), so if you didn't receive membership as a mustering out benefit you are unlikely to achieve it by ordinary thrift.

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Or it could be a pension you buy from an institution on a planet in your setting.
If that were the case, why would Scouts or Others not be able (or allowed?) to buy them? (Though I could see denying life insurance to Scouts...)

Last edited by thrash; 11-18-2023 at 11:02 AM.
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Old 11-20-2023, 04:44 AM   #16
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Default Re: Who pays Captain Jamison's pension?

Traveller uses the concept that a character has a prior career before becoming a Traveller.

A scout is already a Traveller :)
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