Former substitute teacher Marganice Gilbert, who retired in August 2017, saved $43,934 toward a pension over 21 years working for public schools, Chicago Teachers' Pension Fund records show.

Over 30 years of retirement, Gilbert would collect as much as $486,380, according to a projection by Local Government Information Services (LGIS), which publishes Chicago City Wire.

The projection assumes Gilbert received $10,223 in the first year of retirement, then 3 percent annual increases thereafter, compounded.

After 5 years of retirement, Gilbert will have already received $54,276 in retirement benefits, or more than the sum total of the retiree's contributions to the teachers' pension fund.