In my informed/biased opinion,
anyone that relies on a company, or a union, to fund their retirement, and healthcare, are on a fool's errand.
Granted,
both are a strong foundation to start building a retirement plan, the rest is up to how one builds their home on top of it.
Educate yourself, save every penny and learn how to grow your investments.
If it was easy, everyone would do it.
Personal responsibility far out weighs people bitchin' about what everyone else owes them.
Worked for me, so maybe it will work for others.
Retirement is like waking up everyday on Saturday.