My employer in my pre MS days envested us in a pension. There have been so many horror stories about employers not being able to give pension that was promised. My husband started his pension in December and I started mine in April. I wish I could have waited until I was 65 but my husband can't start his SS until after he turns 62 in July. Actually when we both start our SS and pensions we will be making about as much or more than when I was working. And we are debt free except one car. Now if my health can hold up. Not having the Grand kids for a week anymore might help that!!!!