They aren't keeping up with increased benefit costs in any industry. That's a societal issue not specific to education. There are plenty of retirees in the private sector in NJ who were promised lifetime healthcare benefits who have lost them. Teachers have not (yet). Health benefits can cost as much as about 30,000 for a family policy for one teacher. My coverage as a single adult costs approximately 11,000. My contribution is hardly even close to what the policy costs. Local property taxes cannot support the liabilities currently in place. There will be no pension when I retire. The sooner people realize and plan accordingly, the better off they will be. My problem with fellow educators is that they are suffering no more than any other industry and are in fact more protected.