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Message: <blockquote data-quote="Babagounj" data-source="post: 2519413" data-attributes="member: 12952">Many things.Medical coverage , you will have to usually pay out of your own pocket until  age 65 unless you find another employer .Your Social Security amount is based on your 35 highest years of employment . Payable starting at 62 at a reduced rate , 67 if you collect at FRA ( full retirement age ) at 100%.That $2800/mth is before taxes are withheld ; 20% for Federal and x amount for state .You could stay at UPS longer and invest more into your 401K , to have a bigger payout later in life .If you belong to the Union don't forget to get a withdrawal card or you'll be charged for monthly dues .</blockquote>