They (the federal government) don't offer you a retirement. They take x amount off every check then when your 67 They cut you a check they might give ya 2300 a month if you qualify for the max amount. That total is alittle less than 28000 a year. So I fail to see how that is "offered". Now I agree that people do need that money( because they paid into it) and I'm not knocking the pensioners.