Before I decide to retire, what should I be considering?
Carefully consider the advantages and disadvantages of early retirement. If you choose to receive benefits before you reach full retirement age, your monthly benefits will be permanently reduced, unless you are adjudicated as disabled. To help you decide the best time to retire, the Social Security Administration offers a free booklet, Social Security-Retirement Benefits ( Publication No. 05-10035), that provides specific information about retirement. You can calculate future retirement benefits on the Social Security Administration website at www.socialsecurity.gov by using the Social Security Benefits Calculators.
Other helpful free publications include:
* Understanding The Benefits (No. 05-10024)
*Your Retirement Benefit: How it Is Figured (No. 05-10070)
*Windfall elimination Provision (No. 05-10045)
*Government Pension Offset (No. 05-10007)
*Identity Theft And Your Social Security Number (No. 05-10064)
The Social Security Administration also has other leaflets and fact sheets with information about specific topics such as military service, self-employment or foreign employment. You can request Social Security publications at the Social Security Administration website, www.socialsecurity.gov, or by calling the Social Security Administration at 1-800-772-1213. The Social Security Administration website has a list of frequently asked questions that may answer questions you have. The Social Security Administration easy-to-use online applications for benefits that can save you a telephone call or a trip to a field office can be found on line. You may also qualify for government benefits outside of Social Security. For more information on these benefits, visit www.govbenefits.gov.


