Have they changed the contract or will you be cut 30% (it is roughly 10% per year)for retiring before you are 65. I was forced to retire at 57 due to health issues in 2013 with 24 years paid in. They penalized me 54% due to the previous contract changes after Yellow and Roadway were forced together. I've been blessed and made things work but I sure did not like working all those years and then them just pocketing my money because of terrible business transactions on the companies part.I’m one them. Getting out of here in March after I vote at 62 and 29 paid in.