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Where Are Teachers Allowed to Join Social Security? A State-by-State Guide

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Over one million public school teachers across the U.S. do not participate in Social Security alongside their state pensions. Because state and local governments were given the choice to opt in or out, coverage varies significantly across the nation. Learn the history behind these rules and view the list of 18 states with full or partial Social Security opt-outs.

Why COLAs Matter for Retirement Security

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Discover why a reliable pension COLA is essential for protecting your fixed retirement income from inflation. Learn how national pension rules, missing cost-of-living adjustments, and rising inflation rates are quietly eroding long-term retirement security for public employees.