For workers who have spent many years contributing to Social Security, some of your retirement income may be provided by Social Security. For most individuals, Social Security retirement benefits may not provide the level of financial independence and comfort they want in retirement. It might be best to view Social Security as a help in your retirement, but not a source to be relied on completely.

If you would like to receive an estimate of your Social Security benefits, contact the SSA and request a Social Security Statement. The SSA can be reached by phone at 1-800-772-1213 or via the Internet at www.ssa.gov.