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Retirement dilemma

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I am at the point of condsidering early retirement. I plan to make the

first calls today to see if I would be better off to go that route, or

pursue disability. I am 58, and have paid into a state retirement

system rather than SS for 20 years. My thoughts are that I should be

able to take better care of myself physically if I weren't pushing

myself so hard to go to work everyday. It is getting to be more of a

struggle each day. I am at home today due to an outbreak of Shingles.

I understand that my auto-immune problem (RA) might have contributed.

I've already missed more days this year than normal for me.

The retirement thing just sounds so final. I think we would be okay

financially, but it is scarey. Does anyone out there have any words of

wisdom, pro, or con?

Thanks for any help!

Judy

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