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Turning 65

When you turn age 65, you need to take specific actions and consider decisions related to healthcare coverage and your finances, whether you plan to retire or continue working.

If you decide to keep working, your employer must complete the Small Employer Exception Election Employer Certification form and return it to the Board before you turn 65.

If you plan to retire, visit Retirees on for information on healthcare coverage and finances during retirement, as well as death benefits, housing considerations, and post-retirement service. You will also find a list of resources and support available.

Know Your Finances

Active and disabled members who are enrolled in the Pension Plan can log on to Benefits Connect to receive a pension estimate. Use the information to help assess your current and future financial standing and the various options available to you.

Know Your Pension Benefit

The benefit you receive from the Pension Plan depends on the age at which you retire and the payment option you choose. Visit Pension Plan on for information. If you were not vested before age 65 and you are an active or disabled plan member, you are automatically vested on your 65th birthday.

Know Your Social Security Benefits

If you qualify for Social Security benefits, you can begin receiving reduced benefits at age 62. Eligibility for full retirement benefits depends on your year of birth. Earnings limitations apply if you choose to begin taking Social Security before your full retirement age. Before initiating your Social Security benefits, review your options and the rules around receiving them.

Know Your Retirement Savings Plan Account

If you participate in the Retirement Savings Plan of the Presbyterian Church (U.S.A.), a 403(b)(9) plan, you can begin withdrawing funds from your account at age 59½. However, these funds are intended to provide income during retirement, so most participants wait until they retire. You may want to consult with your tax or financial adviser about distributions and amounts best suited for your needs and future plans.