Take the civil service test. Any state or local time can usually be bought back. You may not be able to get in 32/35 years for a full pension, but between your social security and what you will get ,should make for a decent retirement. Especially id you make up for lost time with a defeted compenstion plan in addition.
Be advised unless your making 40k a year youll be living lean during the academy. Can you honestly afford to work for scraps for 6 months. Granted youll be able to make the money up after graduation but its something tp consider.
The other major factor is the city you live in. How many peole tke the test and how many vets are ahead of you? Good luck. I did 4 years in the Army to get the job I wanted. Good luck
If you get a state or municipal pension you will not get your full social security benefit. Thanks to the Windfall Elimination Act you'll get the higher of the two...asumedly your pension, and then just a tiny fraction of your social security. When you get hired by the state you are no longer allowed to pay into Social Security. Instead a portion of your pay will go to fund the pension system.
Don't get me wrong, I'd still take the cop job. Any pension will more than likely be far better than SS.
You're right about starting pay. It's not so great. When I went to the academy I took a rather large pay cut from my civilian job. But between civil service step raises, contractual raises, promotions, and overtime my pay increased every year.
I worked the 3-11 shift for the better part of twenty years which left me time during the day to run my part-time remodeling business. Between the part-time work and the fact that I took every promotion that I could, I was able to make Lieutenant and retire at 49 with no mortgage or any other debt.
Working in law enforcement is a complete life change. Between things you'll do and see on the job and what your friends and family and colleagues expect from you combined with working nights, weekends, and holidays, etc. It's not for everybody but if it's your cup of tea you can make a pretty decent life for yourself. You'll need a very understanding wife,(probably the most important piece of the puzzle), and if you're smart you'll find some hobbies and past-times that have nothing to do with work. Including making some non-LEO friends. You don't want to live the job 24/7. That part's easier said than done.
Try to spend as much time in the gym as you do in the bar and you just might live to collect a few pension checks.
When I was first hired by the Department of Corrections a retired officer lived to collect a national average of 11 pension checks.
That's why the pension system was developed with the option of getting out before alcholism, drug adduction, suicide, heart disease and other stress related illnesses did you in.
Having said all that, I wouldn't change a thing and I'd recommend police, fire, corrections, parole, Environmental and any other LE career whole heartedly.