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This is the case in fifteen U.S. states, according to an op-ed published by  “Although these plans ought to provide benefits that are the equivalent of the combination of Social Security and a private-sector retirement plan, federal law requires that, at a minimum, they must provide benefits at least as good as those provided by Social Security, and has established a ‘Safe Harbor’ formula that determines whether plans comply with these rules,” according to the op-ed.   “If a plan pays a benefit of at least 1.5% of pay, averaged over the last three years of service, and beginning no later than Social Security retirement age, then the plan is considered ‘qualified’ and the state/town/school district can opt out of Social Security,” the op-ed states.  

Laurad quinbyAliciah munnellJean pierre aubryRetirement research at boston collegeBoston collegeSocial securitySafe harborRetirement researchSafe harborஜீன் பியர் ஆப்பிரிஓய்வு ஆராய்ச்சி இல் போஸ்டன் கல்லூரிபோஸ்டன் கல்லூரிசமூக பாதுகாப்புஓய்வு ஆராய்ச்சிபாதுகாப்பானது துறைமுகம்