<human>: Can you provide a brief overview of the text?

So I have been working at a large public university for almost three years now and have no plans on ever leaving. I have accrued basically a month of sick days. Currently my emergency fund is at about 3 months. I figure that if I am fired then they will have to pay me my sick days so that is an extra month. If I am furloughed I assume that my existing emergency fund can pick up the difference. My sick days can count toward any medical emergencies, and I have really good medical insurance. Are these safe assumptions and does anyone else factor sick days into their emergency fund? 

I have only been contributing to the pension fund and don't have any plans for setting up a retirement account. Should I rely on my pension or is starting a retirement account worthwhile?
<bot>: I'm trying to figure out how much emergency funds to have and if sick days count towards it. Once I have a good emergency fund should I should look into retirement accounts and not rely on just my pension?