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States and school districts spend more than $50 billion each year on teacher pensions, but they often fail to deliver the retirement benefits participants expect.

Chad Aldeman and Kelly Robson reviewed pension plans and projections in all 50 states. They looked specifically at state assumptions about teacher behavior at two inflection points: early career, when they become eligible for minimal pension benefits, and late career, when they become eligible for full pension benefits. What they discovered may surprise you.

Why Most Teachers Get a Bad Deal on Pensions
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