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<<However, most people who get SS also get something from their employer if they work there any length of time (i.e. pension, lump-sum, 401K matching, stock options, etc.). Government employees not covered under SS get only their pension. No 401K matching, no lump-sum payouts, no stock options, no SS.>>

Very few employees get lump sums except in lieu of pension. Exceptionally few employees get stock options. The SS covered employee has his SS indexed for inflation but not their pension. If I had to live through a period like 1976 to 1986 I would be a lot better off with a pension that was indexed.

Jim
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