I am a retired state government worker who retired some 11 years ago. We had to have the magic number of "85" - years of service and age (minimum 55) and then you could retire with "full" retirement. I then had to pay ALL the insurance, but it was cheaper with the group plan. Before, the gov't paid all my insurance.
The negative was that we had NO say if what we got for salary increases (adjustments) and benefits were determined by the state legislature and then signed by the governor to be in effect. This is the third year that NO salary increases will be handed out and benefits are adjusted downward, but I think it is still better than the private sector. Also the governor has proposed a 10 percent cut in all government spending. This includes school, medicade, and all gov't functions, just to get back from being in debt.