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Vice Presidents, and First Ladies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/consumer" href="#">Consumer Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints-by-product" href="#">Consumer Complaints by Product Type</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaints-lender">Banks and Lender Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/currency">Currency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/spend-save-invest" href="#">Spending, Saving and Investing</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/cars">Car Complaints and Motor Vehicle Services</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/donate-to-charity">Donating to Charity</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mortgages">Mortgages</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/taxes" href="#">Taxes</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/filing-taxes-topics">Filing Your Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/resolve-tax-disputes">Resolve Tax Disputes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-taxes">State and Local Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/check-tax-status">Tax Return Status</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/check-tax-withholding">Tax Withholding</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unclaimed-money">Unclaimed Money from the Government</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/coronavirus" href="#">COVID-19</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-vaccine-and-testing">COVID-19 Health Information, Vaccines, and Testing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-small-business-loans">COVID-19 Small Business Loans and Assistance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-unemployment-benefits">COVID-19 Unemployment Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-financial-help-from-the-government">Financial Assistance for Food, Housing, and Bills</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/federal-covid-response">Government Response to Coronavirus, COVID-19</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-passports-and-travel">Passports and Travel During the COVID-19 Pandemic</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-scams">Scams Related to COVID-19</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disability-services" href="#">Disability Services</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-benefits-insurance">Benefits and Insurance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-caregiver">Caregiver Support</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-financial-support">Financial Assistance and Support Services</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-programs">Government and Local Disability Programs</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-jobs-education">Jobs and Education</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-veterans-benefits">Veterans Disability Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/disasters-and-emergencies" href="#">Disasters and Emergencies</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/after-disaster">After a Disaster</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disaster-area-help">Financial Assistance Within Designated Natural Disaster Areas</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/help-disaster-survivors">Help Survivors of a Disaster</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/hurricane-ian">Hurricane Ian</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/education" href="#">Education</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/higher-education">College and Higher Education</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/study-in-US">Learn English and Attend College in the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/libraries">Libraries and Archives</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/student-loans">Manage and Repay Student Loans</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/agencies" href="#">Government Agencies and Elected Officials</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/federal-agencies">A-Z Index of U.S. Government Agencies</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/about-the-us" href="#">About the U.S.</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/flag">American Flag</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/statistics">Data and Statistics About the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/history">History and Historical Documents</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaints">Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/crime-prison">Crime and Prisons</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/laws-and-regs">Federal Laws and Regulations</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/family">Personal Legal Issues, Documents, and Family History</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/scams-and-frauds">Scams and Frauds</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/voting-laws-history">Voting and Election Laws and History</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/life-in-the-us">Learn About Life in the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/presidents">Presidents, Vice Presidents, and First Ladies</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/budget">Budget of the U.S. Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/buy-from-government" href="#">Buying from the U.S. Government</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/auctions-and-sales">Auctions and Sales</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-surplus-sales">Surplus Sales by State</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/forms">Forms, by Agency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/state-tribal-governments" href="#">State, Local, and Tribal Governments</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/elected-officials">Contact Elected Officials</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-governor">Governors</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/tribes">Indian Tribes and Resources for Native Americans</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/local-governments">Local Governments</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-attorney-general">State Attorneys General</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-emergency-management">State Emergency Management Agencies</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/states-and-territories">State Governments</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-courts">State, County, and Municipal Courts</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-travel-and-tourism">Travel and Tourism Information, by State</a> </li> </ul> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health" href="#">Health</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/doctors">Doctors and Medical Facilities</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/health-resources">Health Information from the Government</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/health-insurance" href="#">Health Insurance</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-health-insurance">Finding Health Insurance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/medicaid">Medicaid and CHIP</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/medicare">Medicare</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/paying-for-medical">Paying for Medical Care</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/medicine">Medications</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mental-health-substance-abuse">Mental Health and Substance Abuse</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-health">State Health Departments</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/vaccinations">Vaccines and Immunizations</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li class="open expanded"> <a aria-describedby="sr-expanded" data-href="/jobs-and-unemployment" href="/web/20230206210524/https://www.usa.gov/jobs-and-unemployment" data-critical-path="true">Jobs and Unemployment</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/job-search" href="#">Looking for a New Job</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/find-a-job">Find a Job</a> </li> </ul> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/business" href="#">Small Business</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/business-search">Business Keyword Search</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/funding-options">Finance Your Business</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/import-export">Importing and Exporting</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/government-contracting-for-beginners" href="#">Introduction to Government Contracting</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/expand-business">Get Help with Government Contracting</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/find-government-contracts">The Contract Opportunities Search Tool on beta.SAM.gov</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/start-business">Start Your Own Business</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-business">State Business Resources</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/federal-employees" href="#">U.S. Government Employees</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/government-jobs">Find a Federal Government Job</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/benefits-for-federal-employees">Pay and Benefits for Federal Employees</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/safer-federal-workforce">Protecting the Federal Workforce from COVID-19</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws" href="#">Laws and Legal Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints-by-product" href="#">Consumer Complaints by Product Type</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaints-lender">Banks and Lender Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/phone-tv-complaints">Phone and TV Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/crime-prison" href="#">Crime and Prisons</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/crimes-against-children">Crimes Involving Children</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/prisons">Prisons and Prisoners</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/report-crime">Reporting Crime</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/corrections">State Corrections Departments</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/laws-and-regs" href="#">Federal Laws and Regulations</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/branches-of-government">Branches of the U.S. Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/laws-and-regulations">Commonly Requested U.S. Laws and Regulations</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/how-laws-are-made">How Laws Are Made and How to Research Them</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/pollution">Pollution Issues</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/labor-laws">Labor Laws and Issues</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/family" href="#">Personal Legal Issues, Documents, and Family History</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/child-care">Child Support</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/family-legal">Family Legal Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/genealogy">Genealogy and Family History</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/legal-aid">Lawyers and Legal Advice</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/replace-vital-documents">Replace Your Vital Records</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/government-works">U.S. Government Works</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/voting-laws-history" href="#">Voting and Election Laws and History</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/election-results">Historical Election Results</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/voter-id">Voter ID Requirements</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/voting-laws">Voting and Election Laws</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/who-can-vote">Who Can and Can鈥檛 Vote in U.S. Elections</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/disability-rights">Your Legal Disability Rights</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/military-and-veterans" href="#">Military and Veterans</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/join-military">Join the Military</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-personnel-and-installations">Locate Military Members, Units, and Facilities</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/education-military-veterans">Military and Veterans Education Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-pay">Military Pay and Pensions</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-records">Military Records and Identification</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/selective-service">Selective Service (the Draft)</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/veteran-burial-benefits">Veterans Burial and Survivor Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/veteran-health">Veterans Health Benefits and Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/veteran-housing">Veterans Housing Help</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/veteran-employment">Veterans Jobs and Training</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/money" href="#">Money and Taxes</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/benefits-grants-loans" href="#">Benefits, Grants, Loans</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/benefits">Benefits</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/financial-aid">Financial Aid for Students</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/food-help">Food Assistance</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/grants">Grants and Loans</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/help-with-bills">Help with Bills</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/military-assistance">Military Programs and Benefits</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/about-social-security">Social Security Questions</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-social-services">State Social Service Agencies</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unemployment">Unemployment Help</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/consumer" href="#">Consumer Issues</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/complaints" href="#">Complaints</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-against-government">Complaints Against the Government</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/consumer-complaints">Consumer Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaints-by-product">Consumer Complaints by Product Type</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/complaint-letter">Sample Complaint Letter</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/recalls">Recalled Products</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/scams-and-frauds" href="#">Scams and Frauds</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/common-scams-frauds">Common Scams and Frauds</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/identity-theft">Identity Theft</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/online-safety">Online Safety</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/privacy">Privacy</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/stop-scams-frauds">Report Scams and Frauds</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-consumer">State Consumer Protection Offices</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/telemarketing">Telemarketing and Unwanted Mail</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/credit-and-debt" href="#">Credit and Debt</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/credit">Credit Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/credit-reports">Credit Reports and Scores</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/debt">Dealing with Debt</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/currency">Currency</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/housing" href="#">Housing</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/finding-home">Affordable Rental Housing</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/foreclosure">Foreclosure</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/buying-home">Help Buying a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-help-audiences">Housing Help</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-scams">Housing Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/housing-complaints">Housing-Related Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mortgages">Mortgages</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/moving">Moving</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/repairing-home">Repairing and Improving a Home</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/post-office">U.S. Postal Service Issues</a> </li> </ul> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/spend-save-invest" href="#">Spending, Saving and Investing</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/cars" href="#">Car Complaints and Motor Vehicle Services</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/motor-vehicle-services">Motor Vehicle Services</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/donate-to-charity">Donating to Charity</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/mortgages">Mortgages</a> </li> <li class="expanded"> <a href="#content" aria-describedby="sr-current-page" data-current-page="true">Retirement</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/taxes" href="#">Taxes</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-stimulus-checks">Advance Child Tax Credit and Economic Impact Payments - Stimulus Checks</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/filing-taxes-topics" href="#">Filing Your Taxes</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/who-needs-to-file-taxes">Do You Need to File a Tax Return?</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/help-with-taxes">Get Help with Your Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/get-tax-forms">Get Your Tax Forms</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/file-taxes">How to File Your Federal Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-taxes">State and Local Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/tax-benefits">Tax Credits and Deductions</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/irs-scams">IRS Scams</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/resolve-tax-disputes">Resolve Tax Disputes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-taxes">State and Local Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/check-tax-status">Tax Return Status</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/check-tax-withholding">Tax Withholding</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/unclaimed-money">Unclaimed Money from the Government</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/business" href="#">Small Business</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/business-search">Business Keyword Search</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/funding-options">Finance Your Business</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/import-export">Importing and Exporting</a> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/government-contracting-for-beginners" href="#">Introduction to Government Contracting</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/expand-business">Get Help with Government Contracting</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/find-government-contracts">The Contract Opportunities Search Tool on beta.SAM.gov</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/business-taxes">Small Business Taxes</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/start-business">Start Your Own Business</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-business">State Business Resources</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/travel-and-immigration" href="#">Travel and Immigration</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/immigration-and-citizenship" href="#">Immigration and Citizenship</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/deportation">Deportation</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/green-cards">Green Cards and Permanent Residence in the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/become-us-citizen">How to Apply for U.S. Citizenship</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/enter-us">How to Enter the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/renounce-lose-citizenship">Renounce or Lose Your U.S. Citizenship</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/travel-abroad" href="#">Passports and International Travel</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/passport">Getting or Renewing a U.S. Passport</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/americans-abroad">International Travel Issues</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/family-outside-us">Issues with Family Outside the U.S.</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/covid-passports-and-travel">Passports and Travel During the COVID-19 Pandemic</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/travel-complaint">Travel Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/passport-problems">U.S. Passport Fees, Facilities or Problems</a> </li> </ul> </li> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/recreation-and-travel" href="#">Recreation and Travel within the U.S.</a> <ul> <li class=""> <a aria-describedby="sr-next" aria-expanded="false" data-href="/cars" href="#">Car Complaints and Motor Vehicle Services</a> <ul> <li> <a href="/web/20230206210524/https://www.usa.gov/car-complaints">Car Complaints</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/motor-vehicle-services">Motor Vehicle Services</a> </li> </ul> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/recreation">Recreational Areas and Activities</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/state-travel-and-tourism">Travel and Tourism Information, by State</a> </li> <li> <a href="/web/20230206210524/https://www.usa.gov/plane-travel">Travel by Plane</a> </li> <li> <a 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</nav>  <div class="col-md-9 col-sm-12 rightnav"> <header> <h1 id="page-title">Retirement</h1> <p><div class="usa-alert usa-alert--beta"> <div class="usa-alert__body"> <h4>Help us build the next USA.gov</h4> <p class="usa-alert__text"> Check out the <a id="pagelevel-beta-link" class="usa-link" href="https://web.archive.org/web/20230206210524/https://beta.usa.gov/">new version of this page on our future website</a>. We want to know what you think. </p> </div> </div> </p> </header> <div class="wotp"> <header> <h2>On This Page</h2> </header> <div class="clearfix"> <ul> <li> <a href="#item-212808" onclick="document.getElementById('item-212808').focus();">Video: Determining a Target Retirement Saving Rate </a> </li> <li> <a href="#item-212313" onclick="document.getElementById('item-212313').focus();">Social Security and How It Works </a> </li> <li> <a href="#item-37502" onclick="document.getElementById('item-37502').focus();">Protecting Your Private Pension Benefits </a> </li> <li> <a href="#item-36427" onclick="document.getElementById('item-36427').focus();">Civil Service Retirement </a> </li> <li> <a href="#item-211670" onclick="document.getElementById('item-211670').focus();">Saving for Retirement </a> </li> </ul> </div> </div> <article role="complementary" aria-labelledby="item-212808"> <header> <h2 id="item-212808">Video: Determining a Target Retirement Saving Rate </h2> </header> <p>Make a plan with the <a href="https://web.archive.org/web/20230206210524/https://www.askebsa.dol.gov/SavingsFitness/Worksheets">Retirement Saving worksheet</a>. Learn more at <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/savings-fitness.pdf">Savings Fitness</a>.</p> <div class="embed"><iframe src="https://web.archive.org/web/20230206210524if_/https://www.youtube-nocookie.com/embed/V-7ojClANHo?autohide=0&controls=1&modestbranding=1&rel=0&theme=light&color=red&cc_load_policy=1" title="Determining a Target Retirement Saving Rate" allowfullscreen=""><a href="https://web.archive.org/web/20230206210524/https://www.youtube.com/embed/V-7ojClANHo">Watch "" on YouTube</a>.</iframe> </div> <div class="usa-accordion-bordered"> <ul> <li class="transcript_img"> <button id="video-accordion-212808" class="tcrpt usa-accordion-button" data-toggledtext="Hide the Video Transcript" data-initialtext="Show the Video Transcript" aria-expanded="false" aria-controls="amendment-b-212808" aria-labelledby="item-212808 video-accordion-212808">Show the Video Transcript</button> <div id="amendment-b-212808" class="usa-accordion-content" aria-hidden="true"><h3>Determining a Target Retirement Saving Rate</h3><p>A secure retirement is one of your goals, right? The worksheet in this video can help you get there.</p><p>When setting up your budget, it is important to include retirement savings. You can save through a retirement plan at work, on your own, or both. The target retirement savings rate tool will help you determine how much you need to save each year. The sooner you start saving, the longer your savings have to grow.</p><p>The worksheet will help you estimate what percentage of your current annual salary you should be saving. While it does not take into account your unique circumstances, it will help you plan for your retirement goals.</p><p>The worksheet asks for four pieces of information:</p><ol><li>Number of years until retirement (your planned retirement age minus your current age)</li><li>Current annual salary</li><li>Number of years you expect to spend in retirement</li><li>Current savings</li></ol><p>The worksheet assumes that you’ll need to replace about 80 percent of your pre-retirement income. Social Security retirement benefits should replace about 40 percent of an average wage earner’s income after retiring. This leaves approximately 40 percent to be replaced by retirement savings. Keep in mind, this is an estimate and you may need more or less depending on your individual circumstances.</p><h3><strong>How many years do you have left until retirement?</strong></h3><p>The more years you have until retirement, the less you will have to save each month to reach your goal. No matter your age, for every 10 years you delay starting to save for retirement, you need to save 3 times as much each month to catch up.</p><h3><strong>How long will you live in retirement?</strong></h3><p>Based on current estimates, a 65 year old man can expect to live approximately 18 years in retirement, and a 65 year old woman can expect to live about 20 years, but many people live longer. Planning to live well into your 90s can help you avoid outliving your income.</p><p>The worksheet takes into account some factors that impact your retirement savings. First, investing - because it involves risk. Second, inflation - because today’s dollars will usually buy less each year as the cost of living rises. Your target savings rate includes any contributions your employer makes to a retirement savings plan for you, such as an employer matching contribution. If, for example, you are in a 401(k) plan in which you contribute 4 percent of your salary and your employer also contributes 4 percent, your saving rate would be 8 percent of your salary.</p><p>By using the worksheet, you’ve figured out your target savings rate. It gives you a rough idea –a savings goal. Some may face higher expenses in retirement because of personal circumstances. For example, if you or your spouse have a chronic medical condition, you may want to save more. Some may have other sources of income in retirement such as a traditional pension or money from selling a home that would lower their target savings rate.</p><p>If you are not currently saving this amount, don’t be discouraged. The important thing is to start saving – even a small amount – and increase that amount when you can. Come back and update this worksheet from time to time to reflect changes and track your progress.</p><p>Here are a few tips on how to save smart for retirement:</p><ul><li>Start now. Time is critical. Start small, if necessary.</li><li>Use automatic deductions from your payroll or your checking account.</li><li>Make saving for retirement a habit.</li><li>Be realistic about investment returns.</li><li>If you change jobs, keep your savings in the plan or roll them over to another retirement account.</li><li>Don’t dip into retirement savings early.</li><li>If you pay someone for investment advice, ask them to confirm in writing that they are “fiduciaries”—meaning they are obliged to work in your best interest.</li></ul><p>To track other resources you may have in retirement, start by getting your Social Security statement and an estimate of your retirement benefits on the Social Security Administration’s website, <a href="https://web.archive.org/web/20230206210524/http://www.socialsecurity.gov/mystatement">www.socialsecurity.gov/mystatement</a>.</p><p>The online interactive target retirement savings rate worksheet and other financial planning worksheets are available on EBSA’s website: <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/agencies/ebsa">www.dol.gov/agencies/ebsa</a>. You can save your worksheet data there so that you can come back to update it to track progress or adjust for changes.</p><p>You can order a free copy of the Savings Fitness publication or contact a Benefits Advisor with questions electronically at askebsa.dol.gov or by calling toll-free 1-866-444-3272.</p><p>Get started today for a secure financial future!</p> </div> </li> </ul> </div> </article> <article role="complementary" aria-labelledby="item-212313"> <header> <h2 id="item-212313">Social Security and How It Works</h2> </header><p>Social Security provides you with a source of income when you retire or if you cannot work due to a disability. It can also support your legal dependents (spouse, children, or parents) with benefits in the event of your death.</p><h3>What’s Social Security?</h3><p>Social Security is a program run by the federal government. The program works by using taxes paid into a trust fund to provide benefits to people who are eligible. You’ll need a Social Security number when you apply for a job.</p><p>Find how to <a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/ssnumber/">apply for a Social Security number or to replace your Social Security card</a>.</p><h3>How do benefits work, and how can I qualify?</h3><p>While you work, you pay Social Security taxes. This tax money goes into a trust fund that pays benefits to:</p><ul><li><p>Those who are currently retired</p></li><li><p>People with disabilities</p></li><li><p>The surviving spouses and children of workers who have died</p></li></ul><p>Each 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 <a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/">benefits the Social Security Administration (SSA) offers</a>.</p><h4>There are four main types of benefits that the SSA offers:</h4><ul><li><p><a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/benefits/retirement/">Retirement benefits</a></p></li><li><p><a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/benefits/disability/">Disability benefits</a></p></li><li><p><a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/benefits/survivors/">Benefits for spouses or other survivors of a family member who's died</a></p></li><li><p><a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/ssi/text-eligibility-ussi.htm">Supplemental Security Income (SSI)</a></p></li></ul><h3>How to Open a “my Social Security” Account</h3><p>If you receive or will receive Social Security benefits, you may want to open a "<a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/myaccount/">my Social Security"</a> account. 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.</p><h3>How to Find More Help</h3><p>If you have specific questions about your Social Security benefits, you can:</p><ul><li>Review the <a href="https://web.archive.org/web/20230206210524/https://faq.ssa.gov/en-US/">Social Security Administration’s frequently asked questions</a>.</li><li><a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/agency/contact/">Contact the Social Security Administration directly</a>.</li></ul> </article> <article role="complementary" aria-labelledby="item-37502"> <header> <h2 id="item-37502">Protecting Your Private Pension Benefits</h2> </header><p>Read up on how to correct calculation errors. Find out if your pension is covered if the company defaults. See if there's an unclaimed pension owed to you or someone you know.</p><h3>Avoid Errors in Pension Calculation and Get Help Fixing Them</h3><p>If your job is covered by a traditional pension plan, make sure you get the pension amount you're owed. </p><ul><li><p>Find ways to protect yourself. Read these <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/publications/10-common-causes-of-errors-in-pension-calculation">10 common causes of errors in pension calculation</a>.</p></li></ul><ul><li><p>Get <a href="https://web.archive.org/web/20230206210524/https://www.pensionrights.org/find-help/">free legal help</a> if you're experiencing a problem with your pension plan.</p></li></ul><ul><li><p>Find out whether your <a href="https://web.archive.org/web/20230206210524/https://www.irs.gov/forms-pubs/about-publication-575">pension or annuity income is taxable</a>.</p></li></ul><ul><li><p>For questions or complaints about your plan, contact your human resources office. Or contact the <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/agencies/ebsa/about-ebsa/about-us/regional-offices">Employee Benefits Security Administration (EBSA) regional office</a> near you.</p></li></ul><h3>Federal Insurance for Private Pensions</h3><p>If your company runs into financial problems, you're likely to still get your pension.</p><p>The <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/">Pension Benefit Guaranty Corporation</a> (PBGC):</p><ul><li><p>Insures most <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/wr/find-an-insured-pension-plan/pbgc-protects-pensions">private-sector defined-benefit pensions.</a> These are plans that typically pay a certain amount each month after you retire. These are <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/wr/benefits/guaranteed-benefits">single-employer plans</a>. <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/about/factsheets/page/multi-facts">Multi-employer plans</a> have different coverage.</p></li><li><p>Covers most <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/cash-balance-pension-plans">cash-balance plans.</a> Those are defined-benefit pensions that allow you to take a lump-sum distribution.</p></li><li><p>Does not cover <a href="https://web.archive.org/web/20230206210524/https://www.usa.gov/benefits-for-federal-employees">government</a> and <a href="https://web.archive.org/web/20230206210524/https://www.usa.gov/military-pay">military pensions</a>, 401k plans, IRAs, and certain others.</p></li></ul><h3>Is Your Pension Insured?</h3><ul><li><p>Search PBGC's database of <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/search-plans-paying-pbgc-premiums">insured plans</a>.</p></li><li><p>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 <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/wr/benefits/guaranteed-benefits">legal limits</a>.</p></li><li><p>To learn more about PBGC-insured pensions, view these <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/about/faq">frequently asked questions</a>.</p></li></ul><h3>Find an Unclaimed Pension</h3><p>More than 80,000 people in the U.S. have not claimed the defined benefit pensions they've earned. Find out if you, or someone you know, is <a href="https://web.archive.org/web/20230206210524/https://www.pbgc.gov/about/pg/contact/contact-unclaimed">owed a pension</a>.</p> </article> <article role="complementary" aria-labelledby="item-36427"> <header> <h2 id="item-36427">Civil Service Retirement</h2> </header><p>If you've retired from the federal government or plan to, get to know the <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/">Office of Personnel Management (OPM)'s retirement services</a>.  You can <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/support/retirement/contact/">contact them</a> for help with your federal retirement benefits.</p><h3>Federal Employee Retirement Planning and Management</h3><p>OPM has information to help you:</p><ul><li><p><a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/federal-employees/">Learn about retirement options</a></p></li><li><p>Find answers to <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/retirement-faqs/">common questions about federal retirement</a></p></li><li><p><a href="https://web.archive.org/web/20230206210524/https://www.servicesonline.opm.gov/">Manage your benefits online</a></p></li></ul><h3>Thrift Savings Plan for Current Employees</h3><p>As a current federal employee, you can contribute to the <a href="https://web.archive.org/web/20230206210524/https://www.tsp.gov/">Thrift Savings Plan (TSP)</a>. The TSP offers the same types of savings and tax benefits as a 401(k) plan.</p><h3>Retirement Credit for Military Service</h3><p>Military service does not automatically count toward civil service retirement. To <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/fers-information/service-credit/#military">receive credit for military service performed after 1956</a>, you must pay a deposit.</p><h3>Federal Taxes on Government Pensions</h3><p>Your pension or annuity payment may be taxable. Find out with the <a href="https://web.archive.org/web/20230206210524/https://www.irs.gov/help/ita/is-my-pension-or-annuity-payment-taxable">online tool Is My Pension or Annuity Payment Taxable?</a></p><h3>Survivors of Federal Employees and Retirees</h3><p>If you’re the survivor of a federal employee or retiree, you may qualify for <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/my-annuity-and-benefits/life-events/#url=DeathSurvivors">death and survivor benefits</a>. Visit the OPM website to <a href="https://web.archive.org/web/20230206210524/https://www.opm.gov/retirement-services/my-annuity-and-benefits/life-events/death/report-of-death/">report the death of a federal employee or retiree and apply for death benefits</a>.</p> </article> <article role="complementary" aria-labelledby="item-211670"> <header> <h2 id="item-211670">Saving for Retirement</h2> </header><p>Retirement requires a lot of planning and consideration. In addition to finances, you need to think about when and where you’ll retire. Experts advise that you may need as much as 80 percent of your pre-retirement income to continue your current standard of living. The exact amount will depend on your individual needs. </p><h3>Questions To Ask Yourself Before Retiring</h3><p>As you plan, consider these important questions:</p><ul><li>At what age do you plan to retire?</li><li>Can you participate in an employer's retirement savings plan? This includes <a href="https://web.archive.org/web/20230206210524/https://www.irs.gov/retirement-plans/401k-plans">401(k) plans</a> and <a href="https://web.archive.org/web/20230206210524/https://www.investor.gov/additional-resources/retirement-toolkit/employer-sponsored-plans/pension-plans">traditional pension plans</a>. </li><li>If you have a spouse or partner, will they retire when you do?</li><li>Where do you plan to live when you retire? Will you downsize, rent, or own your home?</li><li>Do you expect to work part-time?</li><li>Will you have the same medical insurance you had while working? Will your insurance coverage change?</li><li>Do you want to travel or pursue a costly, new hobby?</li></ul><h3>Tools To Help You Prepare for Retirement</h3><p>To begin planning for your retirement:</p><ul><li>Get tips for building your retirement savings in the Department of Labor’s (DOL) <a href="https://web.archive.org/web/20230206210524/https://www.dol.gov/sites/dolgov/files/EBSA/about-ebsa/our-activities/resource-center/publications/top-10-ways-to-prepare-for-retirement.pdf">Top 10 Ways to Prepare for Retirement</a>.  </li><li>Use a <a href="https://web.archive.org/web/20230206210524/https://www.consumerfinance.gov/consumer-tools/retirement/before-you-claim/">retirement calculator</a> to find out the best age to claim your Social Security benefits. </li><li>Compare the pros and cons of receiving <a href="https://web.archive.org/web/20230206210524/https://files.consumerfinance.gov/f/201601_cfpb_pension-lump-sum-payouts-and-your-retirement-security.pdf">pension payments monthly or in a lump sum</a>.</li><li>Social Security pays benefits that are generally equal to about 40 percent of your pre-retirement earnings. The Social Security Administration helps you <a href="https://web.archive.org/web/20230206210524/https://www.ssa.gov/benefits/retirement/learn.html">estimate your benefits</a>.</li><li>Learn from <a href="https://web.archive.org/web/20230206210524/https://www.investor.gov/additional-resources/retirement-toolkit/first-job">Investor.gov</a> how you can boost your retirement savings.</li><li>If you have a financial advisor, talk to them about your plans.</li></ul> </article> <div id="sm-share"><span id="share-page">Share This Page:</span> <div> <a id="fcb" href="https://web.archive.org/web/20230206210524/https://www.facebook.com/sharer/sharer.php?u=https://www.usa.gov/retirement&v=3" aria-labelledby="fcb share-page"> <img src="/web/20230206210524im_/https://www.usa.gov/images/Icon_Connect_Facebook.png" alt="Facebook"/> </a> <a id="twr" href="https://web.archive.org/web/20230206210524/https://twitter.com/intent/tweet?source=webclient&text=Retirementhttps://www.usa.gov/retirement" aria-labelledby="twr share-page"> <img src="/web/20230206210524im_/https://www.usa.gov/images/Icon_Connect_Twitter.png" alt="Twitter"/> </a> <a id="em" href="https://web.archive.org/web/20230206210524/mailto:/?subject=Retirement&body=https://www.usa.gov/retirement" aria-labelledby="em share-page"> <img src="/web/20230206210524im_/https://www.usa.gov/images/Icon_Connect_Email.png" alt="Email"/> </a> </div> </div>  <div id="cntctbx"> <h2 id="">Do you have a question?</h2> <p> Ask a real person any government-related question for free. 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