What state do you work in? In California, public school teachers cannot double dip into both their state pensions and SS as it’s too expensive. As such, the state legislature made it so that SS tax is not taken out of teachers’ paychecks, but a mandatory pension contribution (8-13%, I think) is taken out instead (CALSTRS). However, as I work at a private school, I will collect both my Roth distributions and SS, as well as the meager amount contributed by my employer in my 403b plan (though, they are working on fixing this). How many years have you been working as a teacher in your district and how many years do you have to work in your district to draw a pension? In CA, here are the requirements to retire early and normally: https://www.calstrs.com/ask-jack/as...-and-receive-my-retirement-benefit-later-date.