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Retirement

Xổ số trực tiếp 3 miềnGet the basics on retirement planning and pension benefits, such as how Social Security works, retiring from the civil service, and managing a private pension.

Xổ số trực tiếp 3 miền

Infographic showing the ways people save for retirement in the U.S.
  • In the United States, people live an average of 20 years after retirement. The three most common options to save for retirement are:

    1. Retirement Plans offered by an employer
    2. Savings and Investments
    3. Social Security

    Brought to you by USAGov

. Learn more at .

How Do Benefits Work and How Can I Qualify?

Xổ số trực tiếp 3 miềnWhile you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:

  • Xổ số trực tiếp 3 miềnThose who are currently retired

  • To people with disabilities

  • Xổ số trực tiếp 3 miềnTo the surviving spouses and children of workers who have died

Xổ số trực tiếp 3 miềnEach year you work, you’ll get credits to help you become eligible for benefits when it’s time for you to retire. Find all the benefits .

There are four main types of benefits that the SSA offers:

How to Open a “my Social Security” Account

If you receive or will receive Social Security benefits, you may want to open a . This online account is a service from the SSA that allows you to keep track of and manage your SSA benefits. You can also make changes to your Social Security record.

How to Find More Help

Xổ số trực tiếp 3 miềnIf you have specific questions about your Social Security benefits, you can:

  • Review the .

  • .

.

  • Xổ số trực tiếp 3 miềnGet  if you're experiencing a problem with your pension plan.

  • Find out whether your .

  • For questions or complaints about your plan, contact your human resources office. Or contact the  near you.

Federal Insurance for Private Pensions

Xổ số trực tiếp 3 miềnIf your company runs into financial problems, you're likely to still get your pension.

The  (PBGC):

  • Insures most These are plans that typically pay a certain amount each month after you retire.

  • Covers most Those are defined-benefit pensions that allow you to take a lump-sum distribution.

  • Does not cover government and military pensionsXổ số trực tiếp 3 miền, 401k plans, IRAs, and certain others.

Is Your Pension Insured?

  • Search PBGC's database of .

  • If your plan is insured and it ends without enough money to pay all benefits, PBGC steps in. PBGC will pay you the money you’re owed, up to .

  • To learn more about PBGC-insured pensions, view these .

Find an Unclaimed Pension

More than 38 million people in the U.S. haven’t claimed pension benefits they have earned. Find out if you, or someone you know, is .

Xổ số trực tiếp 3 miền .

Federal Employee Retirement Planning and Management

Xổ số trực tiếp 3 miềnOPM has information to help you:

  • Xổ số trực tiếp 3 miềnFind answers to

Thrift Savings Plan for Current Employees

As a current federal employee, you can contribute to the . The TSP offers the same types of savings and tax benefits as a 401(k) plan.

Retirement Credit for Military Service

Military service does not automatically count toward civil service retirement. To , you must pay a deposit.

Federal Taxes on Government Pensions

Xổ số trực tiếp 3 miềnYour pension or annuity payment may be taxable. Find out with the

Survivors of Federal Employees and Retirees

Xổ số trực tiếp 3 miềnIf you’re the survivor of a federal employee or retiree, you may qualify for . Visit the OPM website to .

Xổ số trực tiếp 3 miền and . 

  • If you have a spouse or partner, will they retire when you do?

  • Xổ số trực tiếp 3 miềnWhere do you plan to live when you retire? Will you downsize, rent, or own your home?

  • Xổ số trực tiếp 3 miềnDo you expect to work part-time?

  • Xổ số trực tiếp 3 miềnWill you have the same medical insurance you had while working? Will your insurance coverage change?

  • Do you want to travel or pursue a costly, new hobby?

  • Tools to Help You Prepare for Retirement

    To begin planning for your retirement:

    • Get tips for building your retirement savings in the Department of Labor’s (DOL) .  

    • Use a to find out the best age to claim your Social Security benefits. 

    • Xổ số trực tiếp 3 miềnCompare the pros and cons of receiving.

    • Social Security pays benefits that are generally equal to about 40 percent of your pre-retirement earnings. The Social Security Administration helps you .

    • Xổ số trực tiếp 3 miềnLearn from how you can boost your retirement savings.

    • Xổ số trực tiếp 3 miềnIf you have a financial advisor, talk to them about your plans.

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    Xổ số trực tiếp 3 miềnLast Updated: March 23, 2021

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