NO IT FUCKING ISN'T. sure it is, they send me my statement on what I'm entitled to. but it's mine cause it is based on my money. Think man. your SS account now and take money out? nope, the social program doesn't allow that. there are ways to get it though due to health. again, why we're opposed. BTW, I had to get to age 59.5 to get at my 401K it's a rule based on age.