Académique Documents
Professionnel Documents
Culture Documents
MW 12-1:15
30 November 2017
Education is a huge key to the development of a society, state, country and just the whole
world in general. Everything named above should emphasize the importance of education
because without it development will be halted. A key and often overlooked aspect in the
educational world are the people who provide the knowledge to the students, educators.
Educators, most often referred to as teachers are a critical piece to the development of society but
are often overlooked in this nation when it comes to pay and recognition. Just like in every other
state in the United States, Texas is no different when it comes to teachers not receiving their
proper worth when it comes to their profession. More specifically though, not only are Texas
educators underpaid for their duties but are also facing a huge dilemma when it comes to their
retirement benefits in the form of health care. For example, the Texas Retirement System (TRS),
set up for retired teachers in the state of Texas has recently been raising health care prices for its
recipients and approaching a shortfall of funding as well1. This report will analyze the issues the
TRS is dealing with currently, what government is doing about it and share ideas on just how the
1
Chang, Julie. “Lawmakers Propose Reining in Health Costs for Texas Retired Teachers.” Austin American-Statesman, 13 July
2017, http://www.mystatesman.com/news/state--regional-govt--politics/lawmakers-propose-reining-health-costs-for-
texas-retired-teachers/9IJXekXPrFGChQFhv0E11I/. Accessed 10 Sept. 2017.
The TRS was officially established in 1937 by the Constitution of Texas. Its initial
responsibility was to provide disability retirement benefits to public school teachers and
administrators but eventually branched out to all employees of public education institutions. Not
until 1985, was the TRS given the task of establishing a health insurance program for all public-
school employees. This task brought the TRS to the Active Care plan brought forth in 2001, in
which administrators were given the duty of coming up with a new statewide health care
program2. The TRS-Active Care is the issue at hand today due to the insufficient funds it obtains
to keep up with the number of retired teachers relying on the plan. In the recent years this health
care program has been approaching a shortfall of funds and the threat of discontinuation. The
TRS simply has not been able to keep up with the skyrocketing prices of health care costs over
the past ten years with the little changed implemented within the system3. Because of the lack of
funding in the TRS-Active Care plan, retired teachers in the state of Texas have seen their
premiums and deductibles go up drastically. This is a huge issue because now the former
educators who are very dependent of their health insurance, many are not able to afford the
health care promised to them and this issue is not only affecting them harshly but family
members, too. This issue is important because Texas retired teachers have put in a lot of time,
effort and money in their lifetimes to receive proper benefits when they become eligible to retire,
however are currently struggling to receive the proper benefits they reap from their years of
service. Texas legislators in the past couple of years have tried to fill the deficit of the health care
program by pumping millions of dollars into the system. This plan by the government in the past
2
N.A. “TRS History.” TRS, https://www.trs.texas.gov/Pages/about_trs_history.aspx. Accessed 24 Sept. 2017.
3
N.A. “TRS News (Retiree Edition).” TRS, https://www.trs.texas.gov/TRS%20Documents/trs_news_retiree_aug2017.pdf.
Accessed 8 Oct. 2017.
few years to keep uphold of the health care program has been the short-term solution until
something permanent can be established to get the Active Care program running smoothly and
Most recently the Texas Legislature passed two different bills to counteract the shortfall
and sustain TRS-Active Care for retirees and future retirees of the state. The new laws the
legislature passed, SB 1 and HB 3976 came into effect on September 1st of this year and
provided some much-needed additional funding for the health care program. These two laws
provided new funding in three different ways, in which one being a one time contribution of a
182 million dollars. The other two ways came from the means of raising active employees’
payroll contribution by .25% and bumping district contribution by .20%. All together these
contributions provided an extra 484 million dollars to the health care fund for 2018-2019, but
still aren’t good enough to get anywhere close to closing the 1.06 billion dollar deficit 5. While
these two new bills are generous and surely helpful to prevent the collapse of the TRS-Active
Care health program, they are still not good enough. The one time supplemental contribution is
just what it sounds like and won’t come by every year. In addition, current teachers are having to
put more of their current income into an insufficient health care program that doesn’t even
As one can imagine there are individuals in Texas that have strong opinions over the TRS
and effectiveness of the state government. One individual, Dana Glossbrenner, a retired teacher
of the state of Texas and now author, has a very strong opinion of her own over this issue within
the state. Glossbrenner in her article, “Texas Betrays Teachers, Children,” she goes on a rant
4
“Lawmakers Propose Reining in Health Costs for Texas Retired Teachers.”
5
“TRS News (Retiree Edition).”
about Texas needing a new regime change when it comes to the representatives of the states and
that their priorities stink, for better words. She believes that the state government simply does not
value education as it should and it is sad that Texas ranks so low when it comes to education, yet
has a strong economy and plethora of money. She believes that retired teachers are getting the
screws when it comes to their health care plans and rising prices. She even goes onto saying that
if this issue continues onward that “many [teachers] will be in welfare housing.” She believes
that not only are teachers being betrayed because of the low educational value in the state of
Texas, but the students are as well6. The second opinion over the TRS health care system is from
Michael Taylor. Taylor believes that the TRS is simply “too big to fail” and that too many people
rely on it. He also believes that when it comes to the new “hybrid retirement plan,” younger
teachers are getting the bad end of the stick compared to the older teachers or retired ones. His
reasoning behind this is because of the new pension plan, in which it seems like younger
educators are losing a lot more money by it and having to put more money towards TRS health
care than normal7. Now I would say when it comes around to my opinion on the TRS-Active
Care issue, I lean a little more towards Glossbrenner’s side, in that the Texas Government is
simply not prioritizing state education enough. I believe it is a shame that Texas is ranked so low
in the education system compared to the other states of this country. With all of Texas’ resources
and economic advantages, for Texas to be ranked in the bottom tier of education in the United
States is a travesty. Not only should education funding be a huge priority for the state, but
6
Glossbrenner, Dana. “Texas Betrays Teachers, Children.” Standard-Times, 22 March 2017,
http://www.gosanangelo.com/story/opinion/contributors/2017/03/22/texas-betrays-teachers-children/99324152/. Accessed 22
Oct. 2017.
7
Taylor, Michael. “Teachers Retirement System is ‘too big to fail’.” Houston Chronicle, 7 April 2017,
http://www.houstonchronicle.com/business/article/Teachers-Retirement-System-of-Texas-is-too-big-11059452.php. Accessed 22
Oct. 2017.
teachers’ pay and proper benefits should be of major importance as well. To draw people in to
the profession of education, the proper measures have to come with the job and that is
sufficiently paying educators well, to go along with great benefits during their tenure and in
retirement. Raising the level of education starts from the top and that comes from government
cooperation to fix issues such as TRS health care, so that people are willing to become educators
My action plan for the issue of funding problems with the TRS-Active Care program is to
simply elect candidates and get the right people in office for the state of Texas that highly value
education and make it a top priority within this state. By electing the right politicians who
prioritize education, it can make a big difference in the quality of public education in the state.
To get the right legislators in office who care about public education, agencies such as the TRS
and others that value the education system in Texas need to make a bigger effort with citizens on
the importance of going out and voting. Not only do they need to stress the importance of voting,
but they need to inform voters on the candidates who will make education funding a huge
priority and truly make a positive difference with the education system in Texas. In conclusion,
one way I could influence the role of government with this issue is to join one of the teacher
agencies within the state of Texas that value education and become an advocate on the issues by
coming up with ways with other members on how to improve education funding for the state.
Works Cited
Chang, Julie. “Lawmakers Propose Reining in Health Costs for Texas Retired Teachers.” Austin
govt--politics/lawmakers-propose-reining-health-costs-for-texas-retired-
http://www.gosanangelo.com/story/opinion/contributors/2017/03/22/texas-betrays-
Taylor, Michael. “Teachers Retirement System is ‘too big to fail’.” Houston Chronicle, 7 April
2017, http://www.houstonchronicle.com/business/article/Teachers-Retirement-System-
https://www.trs.texas.gov/TRS%20Documents/trs_news_retiree_aug2017.pdf. Accessed
8 Oct. 2017.
Sept. 2017.