The greater the visual impairment, the higher the melatonin level, the lower the estrogen levels and the lower the risk. Working night shifts or being exposed to low frequency electromagnetic radiation both suppress melatonin levels and unsurprisingly, increase breast cancer rates.
Roadmap to retirement: When your employer or plan changes. A private retirement plan can change its rules or terminate at any time. These changes can occur for a variety of reasons: during company mergers, to streamline plan administration, to improve plan features, or to reduce costs.
From its roots in the Great Depression, Social Security has changed with the times to try and help poor, out-of-work, disabled and elderly Americans. Whether the system is truly in crisis or not, it will surely have to change in the coming decades as the number of retirees increases relative to the number of workers.