I am a 56-year-old woman. I worked for Lockheed Martin for 35 years. I was laid-off just 3.5 years short from being able to collect a full pension. For each year before I am 59.5 years old my pension drops 5%, so if I put in for my retirement benefits now and draw my pension I would loose 15.5% of my pension. I worked 35 years, at the same time I went to college, graduated, and earned my bachelor’s degree. For what?! I now have to try and find a job at age 56.