In the downturns of the 1980s and early 1990s, many millions of workers were bundled into early retirement or on to disability schemes.
在经济不景气的二十世纪80年代和90年代初期，数百万名工人被迫提前退休或者被迫加入残疾计划。
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Employee benefits typically refers to retirement plans, health life insurance, life insurance, disability insurance, vacation, employee stock ownership plans, etc.