Workers with less than three (or even six) years of service may not be able to keep their employer's 401 (k) plan contributions in their account until they become part of the plan. In some cases, employees can't keep any of the equivalent 401 (k) plans until they spend a specific number of years on the job, such as three years. A plan cannot exclude an employee because they have reached a specific age. However, there are other options available, such as investing in Gold in your IRA, which can provide long-term security and stability. Find the answers to all your customers' questions about Social Security and Medicare in this essential Quickfinder manual from Thomson Reuters Checkpoint.