Police Magazine Logo
MenuMENU
SearchSEARCH

Defined Benefit

A strong and generous pension is the least society can do for your years of service.

3 min to read


A few weeks ago, I was sitting around a table just discussing the issues of the day with several Southern California officers. We were all in Norco at a gun range where SureFire was demonstrating its line of suppressors for a group of gun writers and law enforcement editors.

If you’ve never been in Norco, Calif., in mid-June, then I need to explain something to you: It’s damned hot. Norco, in Riverside County, bears little resemblance to the more temperate climes of coastal California. It’s desert, hot and dry.

I was pretty dry myself, so I headed into one of the range trailers. Inside, I found a group of officers who also work as instructors with the SureFire Institute, a lowlight tactical academy that holds classes in California and on the road.

The officers were all sipping sodas. They offered me a can, and I sat down to join the conversation. For about the next 15 minutes, we talked guns, and tactics, and politics, and then somehow we started to talk about pensions and retirement.

A little background here. I sleep really well at night, except when I think about retirement. Like most Americans, I don’t have a defined-benefit pension. I have a 401(k) tax-deferred retirement account. The problem is that 401(k) retirement plans are not guaranteed. Your retirement benefit is determined by your investment history, and it can go bad, real bad. Ask the workers at Enron, if you don’t believe me.

Anyway, as we discussed pensions, one of the more astute cops in the group posited that once the baby boomers start retiring to diminished expectations and a depleted Social Security safety net that there will likely be a backlash among politicians and the public against public service pensions such as police retirement plans.

He’s probably right. After all, we live in a society whose motto ought to be, “What have you done for me lately?” So it’s likely that cash-strapped governments will try to rethink police pensions some time in the next two decades.

Doing so would be shortsighted because it would make it even more difficult for young men and women to forsake higher paying jobs and pursue law enforcement careers, regardless of how much they feel called to serve.

Now, I don’t want to start a panic here. Your pension is likely very safe.

That said, however, it should be noted that one of the cost-saving initiatives attempted by California Gov. Arnold Schwarzenegger was to cut public service pensions for state employees. Under the Schwarzenegger plan, state employees hired after 2007 would not have received defined-benefit pensions. They would have been eligible for a 401(k)-type plan. That proposal was shot down.

But there are still many people nationwide who believe it was a good idea, and it will arise again. That means you have to remain vigilant and prepared to organize against such thinking. Public safety and security demands it.

Your pension is often the only thanks that you receive for protecting the public. It’s compensation for long nights in the cold and rain. It’s compensation for hours spent away from your loved ones. It’s compensation for the fact that your job requires you to go in harm’s way every time you report to work. It’s compensation for the fact that your job is likely to get you sued.

Your pension should be considered off limits to bean counters and budget balancers. There are other places to trim government budgets.

It’s critically important that you stand together to prevent bean counters and opportunistic politicians from assaulting your retirement plans. Because if they ever start chiseling away at your pensions, nothing will be left.

That would be shameful. A strong and generous pension is the least society can do for your years of service.

Subscribe to our newsletter

More Patrol

Clooudy sky background with a lot of blue, logo for DroneSense, and dates and location of an upcoming event.
PatrolFebruary 11, 2026

Versaterm Launches Innovation Summit for Public Safety Drone Operations

The two-day DroneSense Innovation Summit by Versaterm will bring together public safety and industry experts to define best practices for scaling drone operations.

Read More →
Thumnail for video series POLICE Topics, Tactics & Tips featuring a black background with police car lights and headline What Makes a Good LE Boot?
Patrolby Wayne ParhamFebruary 11, 2026

What Makes a Good LE Boot?

Learn what makes a boot good for police officers as POLICE visits with Kyle Ferdyn, of Garmont Tactical, who explains the features of boots and why each is needed in an LE boot.

Read More →
Red fabric background with blue and white Folds of Honor logo.
PatrolFebruary 4, 2026

Folds of Honor Opens Scholarship Application for Children and Spouses of Fallen or Disabled Service Members and First Responders

The application period for the Folds of Honor scholarship program is now open through the end of March. Scholarships support students from early education through postsecondary studies, easing the financial burden for families who have given so much in service to others.

Read More →
Ad Loading...
Closeup of hands reaching to pick up a ballistic helmet and a Team Wendy logo in a white box top center in the image.
PatrolFebruary 4, 2026

Team Wendy Now on GovX: Faster Verification and Discount Access for Eligible Professionals

With GovX verification now integrated directly into the Team Wendy checkout experience, eligible customers can confirm their status in just a few clicks and have the discount applied automatically.

Read More →
backgroudn image of desert with inset 5.11 logo and images of pant and boot.
PatrolJanuary 28, 2026

5.11 Debuts 2026 Footwear & Apparel at SHOT Show

5.11 showcased new apparel and footwear products during SHOT Show 2026, including new color options for the A/T Boa Lite Mid Boot and the Founder’s Jacket.

Read More →
Three tactical backpacks set against a desert background with an inset logo for 5.11.
PatrolJanuary 21, 2026

5.11 Debuts New Load-Bearing Gear at SHOT Show

5.11 launched a variety of new load-bearing gear, ranging from backpacks to chest packs, designed for training, travel, and everyday readiness, this week during SHOT Show 2026.

Read More →
Ad Loading...
Blue background with Streamlight logo at top and inset images of one handgun light, two rifle lights, and one handheld light.
PatrolJanuary 21, 2026

Streamlight Launches the Rechargeable TLR-3X & Other Lights at SHOT Show

Streamlight launched the TLR-3X and TLR-3X USB, two new weapon lights, and an assortment of other new lights during SHOT Show 2026.

Read More →
dark ballistic sunglasses against a blue smokey background
PatrolJanuary 21, 2026

EOTech & Fast Metal Introduce the EOTech Halen Ballistic Spectacle System

Built on the proven Halen platform, the new EOTech x Fast Metal Halen Ballistic Spectacle System is the only aluminum frame listed on the U.S. Army’s Authorized Protective Eyewear List.

Read More →
Black background, outline of Florida, headline 2 Officers Shot
Patrolby Wayne ParhamJanuary 14, 2026

2 Florida Officers Shot After Shots-Fired Call

Two officers were shot in Gainesville, Florida, by a man who police say was leaving an area where he had killed a man inside a business. The suspect exited his vehicle in what the chief termed an “ambush-style” attack.

Read More →
Ad Loading...
Blue-tinted background photo of hand hanging up an office phone and headline Richmond Heights PD: Harassment and Threats Will Be Addressed Accordingly
PatrolJanuary 14, 2026

Mistaken Identity: Ohio Police Department Harassed After ICE OIS

An Ohio police department has received harassing phone calls and social media messages because it has an officer with the same name as the ICE officer identified in the Minneapolis, Minnesota, officer-involved shooting.

Read More →