It makes you pay more for healthcare and further decreases retirement benefits for future employees. They already ruined it by getting rid of 20 year retirement. Few people other than the desperate will stay in policing, fire, or EMS for any longer than necessary to see if they can get promoted off the street. The days ofpeople staying on a beat or in a unit working cases will be at an end after a few more years. You can make better money in many other jobs for a lot less risk.