Are You Ready for the Social Side of Your Retirement?

    • Are you ready?

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    For more information, copies of publications or to set up your own account, visit the Social Security Administration website at or call toll free at 1-800-772-1213 (deaf or hearing impaired, call TTY number, 1-800-325-0778).

    The information provided is not written or intended as specific tax or legal advice. MassMutual, its employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.

    Final decisions about Social Security filing strategies always rest with you and should always be based on your specific needs and health considerations.

    It is important to acquire as much information as possible in order to make an informed Social Security claiming decision because one year after the Social Security claiming decision is made, the options for change are extremely limited.

    Some people, such as federal, state and local government workers, may be subject to the "Government Pension Offset" and the "Windfall Elimination Provision" which could decrease their Social Security Benefits.

    If you work for an employer that offers a retirement plan, your benefit may be subject to a Social Security "pension offset" provision. (Your 401(k) contributions and the employer match are not subject to a pension offset.) A pension offset may reduce the amount of your retirement benefit when you become eligible to collect Social Security. This reduction may apply whether or not you are collecting Social Security retirement benefits. It could be an important factor in your filing decision. Your plan administrator can tell you whether your plan includes a Social Security pension offset provision and how it might affect your retirement benefit.

    The Social Security program was created by an Act of Congress. It is subject to change. In the past, Congress has made changes to the law, which has had an impact on Social Security benefits. Congress can make changes to the law at any time, which might impact benefits in the future.