First off we ain't going to combine ::! When central states fund was flushed with cash and that idea was entertained,they told the other funds to go pound sand! I'm in a fund that encompasses 5 states. Is it underfunded? Yes. But not as nearly as much as most others.What fund are you in then ?? as the East coast fund is having $$$$$$$$ problems too and plus one option they are looking is combining all of the funds into one super fund and then you know what will happen next !!!!