I've never even looked into my SS benefits. Always assumed it wouldn't be there for me when eligible. However, had I got to eligibility and been told because I paid into both SS and my Pension, that SS was gonna penalize me for it. Well, lets just say I might have been tempted to end up in prison and have groupies sending me love letters. That's not right and frankly whomever came up with that bullshit needs executed.