RK:  They will search long and hard for a pension benefit, even in other states.  It has proven to be too cumbersome and expensive for state's or businesses to afford.  But the military still offers a pension if you are up to it.  A 401 with an employer match is a good deal.  Spreads the risks and rewards of investing to all who invest just not to the employer or taxpayer (public sector employees I.e., teachers).