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

image of trooper, shown from waist down, standing beside a police cruiser along the road and at right a headline Slow Down Move Over.
PatrolMarch 19, 2026

Colorado State Patrol Releases 2025 Struck-By Analysis

The Colorado State Patrol, after analyzing its 2025 struck-by incidents, identified one area for improvement: using traffic cones to provide advanced warning before the cruiser's location. Here is the agency’s final data.

Read More →
Image of a group of men in business attire receiving an award set against a black background and a Streamlight logo up top.
PatrolMarch 19, 2026

Streamlight Names 144th Marketing Group Law Enforcement Sales Rep Agency of the Year

Streamlight has recognized the 144th Marketing Group as its 2025 Sales Rep Agency of the Year Award for the Law Enforcement market.

Read More →
Image of a group of men in business attire receiving an award set against a black background and a Streamlight logo up top.
PatrolMarch 19, 2026

Streamlight Names 144th Marketing Group Law Enforcement Sales Rep Agency of the Year

Streamlight has recognized the 144th Marketing Group as its 2025 Sales Rep Agency of the Year Award for the Law Enforcement market.

Read More →
Ad Loading...
DArk backgroundn with inset images of a fallen police officer and a ballistic helmet and headline Rife-Rated.
PatrolMarch 19, 2026

The Mission After the Moment

The mission of the Jorge Pastore Foundation is to support first responders through essential training, stronger community engagement, and mental wellness resources, all accessible and funded through donations, sponsorships, and foundation-led fundraising. It works closely with Team Wendy in the discussions about developing better protective gear for officers.

Read More →
Promotional graphic for Patrolfinder featuring a police chief’s headshot inside a circular frame alongside a police SUV in the background. The headline reads: “Built for Patrol: How One Police Chief Fixed Communication, Boosted Visibility, and Changed the Culture.”
SponsoredMarch 17, 2026

Built for Patrol: How One Police Chief Fixed Communication, Boosted Visibility, and Changed the Culture

Patrol work hasn’t changed—but the expectations on officers have. See how one police chief helped officers get the right information at the right time, improve patrol visibility, and strengthen trust without adding complexity or surveillance. This real-world story shows how patrol-driven technology can make the job safer, smarter, and more effective—starting on day one.

Read More →
Man in a blue blazer lifting his shirt to reveal a concealed handgun in a waistband holster while standing outdoors.
SponsoredMarch 2, 2026

Safariland Solis Rethinks Concealable Duty

What if Level I retention didn’t require a full duty rig? Safariland’s Solis delivers trusted ALS security in a streamlined OWB platform built for administrative and plainclothes professionals who need protection without the bulk.

Read More →
Ad Loading...
Woman kneeling with a Bloodhound in front of a white pickup truck.
PatrolMarch 1, 2026

K-9s Play a Critical Role in Finding Missing Persons

Real-world scenarios show that a tracking canine can detect and follow a human track several hours after it was made.

Read More →
Black background with image of police car light bar, logo for POLICE Topics, Tactics & Tips, and headline What are the latest law enforcement boots from Garmont Tactical?
Patrolby Wayne ParhamFebruary 25, 2026

Garmont Tactical’s LE Boot Lineup

In this video, we get a look at the latest law enforcement boots from Garmont Tactical, both for men and women. Kyle Ferdyn, sales manager, showcases four of the latest boots.

Read More →
Person in protective CMRN suit and breathing gear.
PatrolFebruary 18, 2026

Avon Protection Launches EXOSKIN-S2 High-Performance CBRN Protective Suit

With the commercial availability of Avon Protection’s EXOSKIN-S2, users now have increased options for their protective suit requirements across the spectrum of CBRN threat environments.

Read More →
Ad Loading...
Sky background with logos for Versatern and Aloft
PatrolFebruary 18, 2026

Versaterm Acquires Aloft to Unlock a New Era of Drones for Public Safety

Versaterm has acquired Aloft, an FAA-approved Unmanned Service Supplier (USS) that specializes in real-time airspace intelligence and flight authorizations.

Read More →