The following category(ies) of qualified retirement plans can be integrated with Social Security:

Integration of qualified retirement plans with Social Security can occur with both defined contribution plans and defined benefit plans. This ability allows plans to coordinate benefits in such a way that they can enhance the retirement income for participants while considering the income provided by Social Security.

Defined contribution plans, like 401(k)s, can include provisions that account for Social Security benefits, which can impact the amount employees contribute and employer matches according to specific regulations. This coordination can help in managing overall retirement savings, ensuring that participants are not overly reliant on one source of income.

Defined benefit plans, such as pensions, often factor in the amount of Social Security benefits that participants may receive. Plans can be designed to provide a lower benefit if the employee is also receiving Social Security, thereby helping to balance the total retirement income package.

By allowing integration with Social Security, these plans help to create a more comprehensive retirement strategy that reflects the entire income picture for an individual, representing a tailored approach to retirement planning. This strategy ultimately aims to enhance financial security in retirement.