In the private sector, employees' retirement is usually in the form of a 401K. That's not so for public sector workers, including in Illinois, who get "defined benefit" pension plans.
That means they're guaranteed a certain payout, based on a formula that takes into account things like how many years they worked in government, and their salaries.
Illinois legislators are considering giving government workers another option, something akin to a 401K.
Rep. Mike Zalewski is a Democrat from Riverside says no decisions were made.
"We just sort of had an informational briefing about the way these things work."
Conservatives say a 401K-type plan could save the state money, and others like it because it gives workers more control over their pension investments.
But those plans are also subject to market forces. Because most state workers do not get Social Security, it could leave them without any guaranteed retirement.