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[trixie2]

14. I agree and when you wrap your head around the benefits..............

In post WWII, most full time jobs had benefits and those benefits (medical) would continue from retirement until you reached Medicare age. That is now going away. Even if a company/municipality had the best intentions it is getting harder and harder to predict the cost of future benefits for their workforce.

The new way to insure some stability at retirement, or even at leaving a job, is to from the first paycheck pay into an HSA. Government workers, including your local library, and other city services are probably already doing this. When I was a union stew, and we were in contract talks, "management" came to us with the problem of not being able to predict medical costs 20 years down the road. They disclosed that each month of service each union worker had money set aside for future medical costs. We came to an agreement that the pot of money for all workers would be split by all workers by years of service which was put into an HSA at the choosing of the union and then each month a certain amount would be sent to the HSA for each worker. The nice thing about this is that it kicks in when worker and workplace are severed. The benefits can be used by anyone on the worker's taxes and it is in a form of a debit card if so wished. This means going to another state you can easily get medical care.

I want to stress that I would not want this as a primary benefit but it does work for what it's intent is.