Part-time workers have a hard time with benefits. Tom Hudson hopped from job to job for years, trying to piece together a full-time paycheck from itinerant work as a part-time English professor. He paid little attention to his pay stubs while teaching at Athens Technical College in the 1990s, assuming some money went toward a Social Security account that would make retirement more comfortable.

He was wrong.

The state retirement plan that covered Hudson and a growing number of temporary Georgia workers provides no Social Security coverage. At best, critics say the plan Georgia created for temps in place of Social Security is a piggy bank dressed as a retirement plan.

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