The pension reforms are intended to keep state pension contributions below 20% of wages until 2020.
For decades, states cut their workers' pension contributions while at the same time increasing their benefits.
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Ministers have proposed that teachers pay out more of their salary in pension contributions.
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In due course, the government will try again to get approval for higher pension contributions.
But this would prompt these people to save in other tax-free ways, such as through pension contributions.
This is based on faulty actuarial methodology that speeds up pension contributions when a defined benefit plan is closed.
Last year, Home Secretary Theresa May outlined large increases in police pension contributions.
But where will employers find the money to pay for these pension contributions?
Much of the extra revenue (such as increased pension contributions) will be recession-proof.
The first was the defeat last month of a law increasing civil servants' pension contributions, an unpopular but essential measure.
At the same time they will be making steeper pension contributions and paying off student debts that their parents were spared.
This year, under pressure to stop adding to its debt, the legislature must make its pension contributions out of tax money.
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The employers' report says they will consider asking staff to pay higher pension contributions, partly to offset the cost of increased longevity.
Under that trauma, Congress voted through some unpleasant measures, including rises in taxes and pension contributions, at which it had previously jibbed.
Employers who already offer high pension contributions have another calculation to make.
Both of us have made substantial pension contributions over many years which for a heterosexual couple would help pay for a surviving spouse's pension.
Mr Ruffley warned Mr Clegg against "pushing Conservative backbenchers around" on tax, particularly over issues like property taxes and tax relief on pension contributions.
Better-off Germans will also be asked to pay higher pension contributions.
"I'm at the end of my career but young people are facing a huge debt for their training and now face big pension contributions, " she says.
"Members of the Universities' Superannuation Scheme (USS) see their pension contributions as deferred salary and the pension provision as part of their remuneration packet, " she added.
In general, while companies raised wages in response the low unemployment in the 1990s, they partly compensated by cutting back on pension contributions and health care payments.
"I think there is a genuine issue between the unions and ministers about the pension contributions, which I hope is the subject of further discussion, " he said.
In the wake of a vote in January by the federal Congress to increase civil servants' pension contributions, many states are following suit for their own workers.
Both candidates recognise there is no easy solution to problems that began when the council in 1996 and 2002 voted to increase pension benefits but not pension contributions.
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Labour said its plan, intended to help 129, 400 people out of work for two years, would be funded by restricting tax relief on pension contributions available to higher-rate taxpayers.
Even more irritating, to some, are the recent increase in the top rate of personal-income tax, adjustments to tax relief on pension contributions and a one-off 50% tax on bonuses.
The Jan this year payments are thus the first opportunity we have to see the effects of income shifting, changes in work patterns, higher pension contributions perhaps, possibly even emigration.
Its employees receive 401(k)s, by which pension contributions are deducted from pay cheques, rather than the defined-benefit pensions that are crushing, and even driving into bankruptcy, many other American cities.
If the Free Democrats blocked a deal on the DM610 problem, Christian Democrats might use them as a scapegoat for the financial squeeze which makes the increase in pension contributions necessary.
If faced with a 10% fall in income, most respondents said they would cut spending on food, clothing and going out first, and just 5% would cut back on pension contributions.
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