Not necessarily. There are many types of pensions, including 401k. If you don't know what type of plan it is, ask the plan administrator. If your spouse did not work at all in 2020, she was not covered by an employer plan.
Defined benefit plans provide a fixed, pre-established benefit for employees at retirement. Employees often value the fixed benefit provided by this type of plan. On the employer side, businesses can generally contribute (and therefore deduct) more each year than in defined contribution plans.
