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Confused about public sector retirement plans? You’re not alone. We’re here to help.

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What is the assumed rate of return?

The assumed rate of return is the single most important assumption that pension systems make to ensure they have enough funding to pay promised benefits.

Learn about the status of your state

Want to know how your state is managing its pension and retirement promises? Or how much employees have to contribute toward their pension and retirement benefits? Select a state to see a snapshot of your state's retirement system.

Pension Basics

There is important information that anyone with a pension should know so they are equipped to understand the benefit -- and the system that is providing it.

Pension Basics: How Pension Benefits Are Calculated

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 […]

Pension Basics: Vesting

If you’re like most public workers, you probably have to work five to seven years before you can qualify for any pension benefits — reaching […]

Pension Basics: The Pension Funding Formula

How does a state, or the fund administering pension benefits, make sure it will be able to pay promised retirement income to public workers when […]

The Pension Basics Series

Most public workers in America are enrolled in a pension plan. For those who work a full career in education, public safety, or other state […]

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