I'm getting screwed out of that. I spend the last 30 + years of my working life with jobs in which I paid into social security, and then some jobs in which I paid into a teacher's retirement fund (not tied to social security). Reagan, the bastard, changed the law years ago and said government employees cannot collect both, even though they have paid into both. I have paid into both, and will lose the social security. The said thing is, the teacher retirement fund is going to screw me over too. As a part-time professors, I get paid a lot less than my full-time colleagues, even though I do the same work. Likewise, the way they calculate service credit prevents me from reaching a full year's service credit in a single year, despite the fact that I actually teach the same number of classes in a year that my full-time counterparts do. Lastly, all adjuncts need to work multiple jobs to survive, but they take the pay from your multiple jobs and average them, meaning, you won't even get your retirement benefit calculated on the highest-paying job. So if you regularly teach 3 classes a semester at one school, and one class at another, and one class at another, you'll earn even less than if you only had that one job. But then how do you live on the reduced income in those last three years? (That's the time frame for calculating the benefit.) I'm single, so I can't rely on someone else. This horrid revelation that has become so clear to me in recent years drove me to pursue another degree. I'm set to graduate next year, and I'm hoping that my age is not going to prevent me from getting a job. I really need to work full time for the remainder of my working years, just to ensure I don't end up in poverty in old age.