Too Bad...You're not a public servant.

Top-notch retirement benefits are prolific in the public sector. A large majority of state and local government workers (84 percent) were offered a traditional pension in 2010, compared with just 20 percent of private industry workers. The public sector professions most likely to come with pensions include primary, secondary, and special education school teachers (96 percent), natural resources, construction, and maintenance jobs (87 percent), and the protective service (84 percent). "State and local governments, some federal government employees, and the military are the primary areas where they remain strong," says Olivia Mitchell, director of the Boettner Center for Pensions and Retirement Research at the University of Pennsylvania's Wharton School.

7 Reasons You Don't Have A Pension Us News & World Report