For many seniors, pensions are a significant part of their retirement income.  Pensions, Social Security benefits, savings, and investments all contribute to financial security in the post-employment world.  With the shifting of pensions from defined benefits to 401(k), 403(b), and other plans, company mergers, business bankruptcies, and the introduction of hybrid pension plans, it can be difficult to determine if you are entitled to a benefit, what that benefit actually is, and how to apply for benefits.  The New England Pension Assistance Project (NEPAP), affiliated with the Gerontology Institute at the University of Massachusetts in Boston, offers free pension counseling services to Rhode Islanders to help them find lost pensions, correct pension errors, and answer questions about pension laws.  The service can include tracing pension benefits from companies that have been merged or have gone bankrupt, researching and filing for spousal or survival benefits, and answering pension eligibility questions.