SAN JUAN, Puerto Rico (AP) — Office clerk Lillian Marti hopes to retire one day with a decentpension. Now, like many other employees of Puerto Rico's government, she's beginning to fear she might not get that chance.

"Of course, I'm worried," said the 61-year-old, who has worked for the government for 20 years.

Some experts are calling for cutting benefits to help Puerto Rico confront what economists and financial analysts say is a ticking fiscal time bomb: A public pension system with a $37.3 billion unfunded liability that must be addressed soon, at a time when the U.S. island territory's government has little money to spare.

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