How Prepared Are State and Local Workers for Retirement?


The brief’s key findings are:

  • Most state-local pension plans are designed to provide adequate retirement income for full-career workers.
  • However, the vast majority of state-local workers spend only a portion of their career in the public sector.
  • As a result, most households with state-local employment retire with total replacement rates that fall well short of the 80-percent target.

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