Allen, a former colleague, responds to my post about teachers getting large pensions because they don't get Social Security.
So here is a story that happened to my mother.
She started working for the school district at 55 to teach learning disabled children, a physically demanding job with kids who are often very strong but not necessarily in control of their own bodies.
The school district had it's own Teacher's Union, which had it's own pension system and didn't contribute into Social Security.
In all of her previous jobs, she had given a portion of her income to Social Security.
She worked for a few years, and then had a medical emergency which prohibited her from ever working again.
Because she hadn't been in the Teacher's Union long enough, no long term retirement benefits. Because she'd spent several years working for the Teacher's Union and not contributing to Social Security, she isn't allowed to collect Social Security either.
Long and short of it, she's now disabled and unable to work, and no retirement benefits from Social Security or the Teacher's Union.