With people living into their late 80s and 90s, the debt burden the pensions cause on municipalities has become unreasonable.
I would propose the collection not start until the individual turns 65 (at the least).
Although I realize this would cause an uproar in the communities (police/firemen/etc...) that benefit from this contract.
But these folks are able to get very good employment due to their 20 years of experience in these highly specialized organizations.
Why should a security consultant making a 6 figure income from their experience have a need for a full police pension?
If wounded in the line of duty and unable to work, then yes, sure, collect at 40 something.
But an able bodied middle age man? No.