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How much notice do you have to give? voltaren ec 75 mg Giving away upside for free isn’t unusual in public DB plans. Wisconsin state employees and some Illinois teachers are offered two options when they retire. They can either take what they were promised, based on salary and tenure, or they can take what they would have earned if their contributions earned a market return (or in the Illinois case, the return plan trustees hoped to earn). According to pension economist Jeff Brown, when returns were high, many other plans increased the generosity of promised benefits. The problem is plans don’t cut benefits when the fund does poorly. This asymmetry undermines the health of the plan.