Rice is nice:
I think Chef Bob has pretty much covered all the points.
Here in Canada we have a mandatory CPP (CDN pension plan), but, after working 15 years abroad, and another 12 running my own business, I don't have much in that fund. Even if I did, I wouldn't hold my breath to see any money.
A "Chef", (and here I mean one who is in a supervisory postion) is management, and therefor not eligable for any union benifits. Then again, to go off-topic a bit, union benifits in the CDN hospitality industry are virtually non existant. Chefs rarely work for more than 5 years with any given employer anway. The nature of the hospitality industry is too rough and tumble.
There are exceptions however, in large institutions like hospitals, care homes, corporate cafeterias, etc. things are fairly stable and is not unheard of of Chefs actualy getting a pension--after 25 years of service.
As you can see, I fall under the chef/owner category. My retirement fund is made up of my home and my business. I am fortunate that I don't lease, so if and when I do have to sell, even if I don't get anything for the business, I can still get something for the building.
Little Miss Chef
So very sorry that no one could provide you with a simple, manageable answer for your project. Perhaps there isn't one? Then again, in cooking school poor spelling, lack of punctuation, and run-on sentences won't get you in the door either.
"Rude" is a very subjective word. I could be rude when I grab you by the hair in order to remove you from a passing car. Life is an obstacle course, and the better prepared you are for it, the better you will survive.