- Police (unfunded)
- Firefighters (unfunded)
- Armed forces (unfunded)
- NHS (unfunded)
- Teachers (unfunded)
- Civil Service / Agencies (unfunded)
- Local councils (funded)
The old argument for high police and fire pensions, with early retirement dates, was that these are physically demanding and risky jobs in which there was limited usefulness after 55 or so. Exactly the same can be said of construction workers - indeed, their occupational risk is substantially greater than police and firemen - but it's never been suggested that builders get generous State provision.
And although councils' funded schemes don't pose the future liability that the unfunded schemes do, they still cost a substantial percentage of tax in employer's contributions. But perhaps the greatest inequality within the schemes is that there is almost without exception no cap to the upper limits.
Thus a 'fat cat' on £150k can retire after 10 years service with a pension of £25k, whilst a cleaner on £13k with 30 years service will get only £6.5k a year. This anomaly has I'm quite sure been behind the explosion in top salaries in the public sector - and the only way to restrain 'fat cat' public service pay is to cap pension contributions and benefits at say £80k. The pressure would then be off these massive salaries, and we will see them start to return to normal levels.