Perhaps we pay the high end public employees too much--the top salaries can afford and do save for retirement in other ways TIAA is good. I suggest that the max PERS salary should be 100,000 dollars and after that you self-insure. 'Course the IAP and recent hires are already there...and another issue is the public agencies that haven't budgeted correctly for years! So picking on a few older retirees seem silly because we are contractually obliged to pay. And in many states the retirement includes health care, not in Oregon...the PEEB insurance is good but not cheap!