Findings of a national survey that examined retirement and retiree health benefits provisions are presented in this document. A 1990-91 survey mailed to all state and local retirement plans in which education employees participate elicited responses from 53 state-sponsored and 5 local-sponsored plans (representing a total active membership of 6.4 million employees). The latest in the National Education Association's 20-year-old series, this report includes a section on health benefits provisions, with 24 of the plans reporting a health insurance option for retirees. Characteristics of plans for education employees only and those for all public employee retirees and their varying benefits are described. The following other areas are discussed: retirement eligibility (normal retirement age, early retirement age, vesting, portability); legislation and governance (composition and authority of boards of trustees, recent pension legislation); and funding (employee and employer contributions, investment policies). Thirty-one tables are included. Appendices contain benefit formula/accrual rates, retirement eligibility requirements, employee and employer contribution rates, plan membership and financial information, and retirement system health insurance information. (LMI)