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I really don't see the problem here. Government employees are ususally covered by generous pension plans and health insurance. These employees had years of not contributing to social security while everyone else was forced to contribute to the system. Now that they are retired, it should not be a surprise to them that they will not get benefits. They had the chance, which is denied to those of us forced to contribute, to save and invest their money. I wish I had my contributions. I would be way ahead.

I can't speak to state retirement systems, except I can tell you that Kansas is hardly generous with respect to retirees' health insurance. While there's group coverage, there's no state contribution, and my parents pay more than $400 a month for it.

I can speak to Federal CSRS retirees, of which I am one. I agree with your overall point, but want to clear up one misconception. Employees covered by CSRS contribute to the plan. In fact, over my working career, my CSRS contributions were more than would have been my Social Security taxes had I been paying them. Thus, I had less money, not more, to invest on my own.

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