For album art (by H.R. Gieger), Emerson Lake and Palmer's Brain Salad Surgery. An almost monochrome skull folded out to reveal a monochrome woman, it included notes, band pics, and even the LP label had art.
More complete details can be seen in these seller posts:
My parent's generation all had pensions. You didn't have to worry about it unless the accountants cooked the books and didn't manage it honestly. I was too young to know all the details, but I gather that system got upended by two things: 1) several pension funds that went bust and 2) shift from people working at one place forever to job-swapping which made pensions basically impossible (before computers).