I have 17 years vested & get 2040.00 each month. I am lucky. All @ ABF. The fund will fail or benefits reduced to keep it a float. It is private fund. State of Illinois is public & underfunded. A # years back the state wanted to cut benefits to retirees. The 7 member Illinois Supreme Court voted 7 to 0. They told the state 'you promised them the money, now pay it'. Then the State Governor went to the Illinois Senate & House & tried to amend the Illinois constitution. The people who voted them in to office melted the phone lines to Springfield telling them not to change the constitution or they would go shopping for a new legislator. So, the state started to raise takes to cover the bill. The Illinois State Pension fund is 162 Billion underfunded. The Chicago Teachers Pension Fund is 21 Billion underfunded. And they are separate from the State Fund. Private or public, most & I mean most pension funds are on the verge of going under. Just a matter of time.. Now, democrat or republic why does the US Goverment give away billions of dollars to foreign countries while we wither on the vine? Better yet, ask yourself this, of all the countries we give money to, which countries return the favor & send their taxpayers money to us. Are we really that stupid? von.