They have little awareness and practically no access to financial services that could protect their financial resources in exigent circumstances such as illness, property damage or death of the primary breadwinner .Taking into account their seasonal inflow of income from agricultural operations, migration from one place to another seasonal and irregular work availability and income, the existing financial system needs to be designed to suit their requirements and to be more responsive to their needs.
Via this route, they were able to transfer their pension obligations to the pension benefit guarantee corporation and to continue their business, with lower implied pension benefits for retirees.