Ross, thanks for the compliment. The 1.1% multiplier definitely seems low, but the guarantee (more on that later) helps me sleep a little better.

I have to admit that I'm a little worried about the funding for the pension, especially as Boomers, and soon Gen X, keep retiring in droves and living longer than the actuaries initially planned.

I just looked up at the medical options through INPRS, and it appears that they have something. I never thought to see what was available and am completely in the dark as to what the plan is, but that just means I have some light reading to do this weekend.

Thanks for the suggestion, not just to me, but others who will read your response.