This speech focuses on women and private pension plans, such as private pension coverage and smaller benefit amounts. Pension issues affecting women as employees include participation in plans, vesting, break-in service, benefit accruals, integration with Social Security, sex-based actuarial tables, portability, inflation, and individual retirement plans (IRA's). Areas of concern to women as spouses include divorce, widowhood, and IRA's for homemakers. The pension changes which would substantially affect the likelihood of women receiving pensions based on their employment are enumerated, as are the changes which would be helpful to homemakers. (NRB)