Every situation is different when it comes to Social Security. Try hard as many often do to save money many employers don't offer pension plans. I worked for a company with a pension plan. When I left the company, I was not reimbursed the money I paid into the plan. I worked for a salon and paid into their (which is rare) pension plan. When I left I got none of that. I also was audited because the taxes they took out of my pay were never paid for 3 years. I ended up paying again those taxes and penalties and interest on top. My SS benefits are menial compared to many of course. So I tell all my younger family and friends to really see what kinds of plans and how much taxes are taken and make sure they are paid accordingly.