You have to wait for the wives and husbands to die off, too.  

Tier One ended in 1996.  

A 22-year old teacher hired in 1996 could retire thirty-years later (2026).  S/he would be 52. She will probably live for another 20-30 years?

2026 plus 30 years gets us to 2056.

The Legislators, Governors, School Boards, Fire Department Boards, Cities and Counties were sort of unable to figure out that water runs downhill back in the 1990's!