I am a city worker in Michigan. I am very fortunate to have a defined benefit pension plan when I retire as well as healthcare. I recently learned that Governor Snyder may be trying to change that for myself and others like me. I have been informed by my union that he is wanting to substitute retiree healthcare with a stipend and "reform" defined benefit pensions to a 401k. The way I understand it, this will effect any municipal worker that has the same retirement benefits I do. My union has advised me the best thing that can be done is to email or call your state legislator and express your concern. I understand pensions and healthcare is expensive for municipalities to provide to employees and retirees, but I don't think it is right to take away the benefits that were agreed upon when the employee was hired. This causes some major unforeseen financial obligation to the employee and retiree. If you are in the same boat as me, I encourage you to speak with your union representative to learn more and send those emails and make phone calls to your legislator and express your concern.