Pension Basics: Unfunded Liabilities (aka Pension Debt)
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Learn about unfunded liabilities, why funding shortfalls occur, and how governments use amortization payments to pay down this pension debt.
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Pension Basics: Normal Cost
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Learn about normal cost, understand how it’s calculated, and see how contributions are split between employees and employers.
Pension Basics: The Pension Funding Formula
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Learn how the pension funding formula balances liabilities with contributions and investment returns to ensure long-term solvency.
Pension Basics: Vesting
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Understand how vesting works in public pensions. Learn about service requirements, vesting rules, and how vesting periods changed over time.
The Pension Basics Series
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Our Pension Basics series breaks down how public pension plans work, from guaranteed income to pension debt and benefit eligibility.
Pension Basics: Assumed Rate of Return
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Discover the assumed rate of return. Learn how it’s determined, its role in funding, and common myths regarding benefits.
Pension Basics: How Pension Benefits Are Calculated
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Pension benefits are typically a fixed monthly payment in retirement that is guaranteed for life. Some pension benefits grow with inflation. Other pension benefits can […]
The State of Teacher Financial Wellbeing 2025
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Download The Survey| Clear The List 2025: The State of Teacher Financial Wellbeing (PDF) During the summer of 2025, Equable Institute set out to better […]
How Alaska House Bill 78 Impacts Retirement Benefits for PERS and TRS Members
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Equable Institute has re-issued Retirement Security Policy Scorecards for Alaska House Bill 78 (HB78). First introduced in 2025, the latest version of the bill would […]
State of Pensions 2025 Year-End Update
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