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In many states, public employee pension plans are known as Public Employee Retirement Systems (PERS). Pension benefits may or may not be changed after an employee is hired, depending on the state and plan, as well as hiring date, years of service, and grandfathering .
2. Save, invest, and don’t claim early. To reduce the stress you might have about whether Social Security will be there for you, take ownership by saving and investing, and start as young as you ...