Look ahead and be aware of these pre-retirement issues


Health insurance
Start to investigate your future coverage and premiums about a year before your date of retirement

Taxation of your benefit
Understand how your retirement benefit is taxed

Social Security
If you are eligible to receive a benefit from Social Security, find out how your MTRS pension may affect it

Cost-of-living adjustments
Know when you are eligible to receive a COLA

Benefit Verification process
Be aware of your responsibility in this important process

Working after retirement
If you return to work with a Massachusetts public employer, know the rules