TRENTON, N.J. – Former New Jersey teachers are retiring the good llife, but not all of them believe the state’s generosity is warranted.

A recently retired educator wrote in to Rick Ackerman’s blog Rick’s Pick’s to give her take on New Jersey’s teacher retirement system, which allowed her to bow out of the teaching profession at age 52 with a retirement income of nearly half of her teaching salary and lifelong health benefits.

“It is clear that this level of pension funding cannot be sustained indefinitely,” wrote the retired teacher, whose name was withheld to protect her from retaliation from her former colleagues.

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“Public servants must be part of the solution to burgeoning budget deficits in every state in which they occur. I am not an actuary, nor am I an economist, but I can see the anger growing in the public-at-large that continues to question the demands of those who receive generous packages during their employment and afterwards.”

The former New Jersey educator explained how the pensions are calculated, and listed the average teacher salaries for numerous school districts. It quickly becomes obvious that many teachers who retire in New Jersey after a 30-year career earn roughly half of their $80,000 to $90,000 salaries until they pass on. The state then continues to pay their spouse after death at 50 percent, the teacher wrote.

“Often I feel like a traitor to my profession – or I am made to feel so by the constant postings of my former colleagues who seek every opportunity to defame Gov. (Chris) Christie for his hardline stance on unsustainable obligations to retired educators,” the former teacher wrote.

“I am not, however, traitorous,” she wrote. “A paradox arises out of this situation. Taxes rise to cover increasing costs. Retirees who cannot afford some of the highest property taxes and state taxes take their pensions out of state and live in tax free zones. It is time for us to become responsible adults and change a system which is antiquated and inequitable for those who are left to pay the price.”

The former educator’s analysis of the problems plaguing her state’s teacher retirement system can be applied to many states across the country. Unsustainable retirement benefits for teachers and other public employees are undermining the financial stability of many states, and teachers unions and their allies have refused to help solve the problem.

Even long-time educators like this former New Jersey teacher understand that paying out more benefits than revenue coming in is a recipe for disaster.

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New Jersey and numerous other states are currently on a financial collision course, but unfortunately – with the exception of the rare public employee – the only people who seem to care are those who are stuck with the bill.

Three cheers for the retired teachers who had the nerve to speak her mind.