Friday

Embrace, protect and plan for retirement

Mary and I regularly receive e-mails asking about our retirement system, especially regarding the loss of gainsharing and the lawsuit. It is not a happy story.

During the past seven or eight years there has been an increased emphasis on the pension system of school employees in Washington state. Under the last governor and legislature, a lot of games were played with the funding of the retirement trust fund. In an effort to deal with the funding problem in the last legislative session, we lost gainsharing. We tried to trade it for something of equal or greater value to our members, but we were stymied by the needs of the legislature. At the direction of the Representative Assembly, WEA filed a lawsuit.

Understanding a retirement system, and explaining how it works is not at all straight forward, and actuaries joke about how people’s eyes glaze over when retirement calculations are explained. Just recently, I attended a seminar on public sector retirement funds. I found out how different public sector is from private sector. It’s like trying to apply baseball rules to football. They are both sports, but they are different. If you are only familiar with the private sector, you are not aware how the logical rational ideas you embrace are actually ridiculous when applied to the radically different world of the public sector.

I am chair of the WEA committee on retirement issues. As I said, retirement is very complicated and most legislators do not understand the full implications of a public employee retirement system, they only see a pot of money in the trust fund. The beneficiaries of the retiree trust fund also see things very simply, their retirement check. And the irony is that those who have the most to lose, the new young employees, are the least vocal in expressing their needs.

Since we are suing the state about retirement, I do not anticipate any movement in the legislature regarding any aspect of retirement. That could leave our retirement committee with little to do. However, I don’t want to wait for the legislature to act

There are lots we can do, not only to anticipate further attacks on retirement, but to be pro-active, to be stronger. A key piece is to start educating our members on retirement issues, and what they can do. We can also educate the legislators on what retirement means to us, and its positive impact on the economy of the state.

A lack of information creates a void which is quickly filled by the paranoid vapors of conspiracies. We need to get information out. By we, I am talking about myself, the committee, and every member of WEA. It will be at least a couple of years before the courts give us a decision, but we should not wait until then to be better informed and to act in areas that will yield results. Remember, retirement is an important issue, but it is not the only issue.

If you have questions or things you would like to know more about on retirement, send them to me and I will bring them to the committee. I have asked our legal department to prepare a summary of the effects of the legislation which repealed gainsharing and I will make that available to members. What can you do? E-mail House Speaker Chopp and all your legislators. Tell them to restore the “Dino cuts” in our COLA. Any increase in our salaries now will eventually help your pension. And let them know you are angry about losing ground in your pension. Be polite, but be firm. In addition send your comments on our pension to the Select Committee on Pension Policy.

Daily challenges build character?

Back when I was getting my masters degree in counseling, one of my professors revealed the results of a study on the effectiveness of counselors in helping people solve their problems. The conclusion of the study was that, on average, people solved their problems equally well whether or not they used a counselor. Talk about having the wind taken out of our sails. Our group of budding counselors was dumb-founded and someone finally asked, “Why are we in this program if we aren’t going to make any difference?” Our instructor smiled and explained. “Many people are able to solve their problems on their own. You never see them. And the ones you do meet with need you, and the difference is that you give people hope.”

I was reminded of this when I was thinking about a conference I attended on the achievement gap (or opportunity gap). One panelist spoke about how good failure was for students, how it built character and made them stronger. He stated that we shouldn’t worry if students fail the WASL, it will make them stronger, better students, but he didn’t provide any empirical data to back up his conclusions. My experience as an educator is somewhat different. Some students respond to setbacks by working harder. Others give up after failure and fall into despair. They have no hope that things could get better.

Over the holidays I read about a man who wanted to make a difference in Washington, D.C. schools. After volunteering a while in the schools, he realized that was not enough, so he convinced a wealthy man to promise a 6th grade class that he would pay whatever it took for each of them to go to college. In 1996, the man made the offer to sixty 3rd graders. The results of his efforts were staggering. In a school system that graduates fewer than 60 percent of its students, 90 percent of the promised students graduated high school on time and 70 percent are in college or trade school. He didn’t just write a check and vanish, he spent time monitoring the students, helping them through the rough times. The adopted students said they felt special, and they tried harder.

Why do these students do so much better than students with equivalent backgrounds? Even if they think the system works against them, they are aware of how to beat the system, how to win if they work hard. It is under their control. They have hope.

Hope is something that comes from within. You choose to look for the possibilities that can result in success, no matter how you define success. Usually it takes maturity, and the confidence that comes from success to realize there is always hope. And sometimes you need help to see hope.

How about you? Do you always see the hope in a situation, or do you usually despair? Or somewhere in between? And what do you share with others? It is your choice — despair or hope.

I choose hope.