AARP Hawaii is holding a free “Think of Your Future” workshop at the Pearl City Public Library on Sunday from 1 to 4 p.m.

No individual advice will be given, and no products or services will be promoted or sold. The workshop is just about helping people plan for retirement. AARP membership is not required to attend.

The workshop includes the following sessions:

>> 10 Steps to Get Ready for Retirement: Many pre-retirees overlook the rising cost of medical care. According to estimates, the savings needed to cover most health care expenses in retirement, including premiums, is $116,000 for men and $131,000 for women.

>> Understanding Your Social Security Retiree Benefits: Begin claiming your benefits at age 62 and your monthly check will be 76 percent less than if you wait until age 70. Conversely, some people need the money or fear they won’t live long enough to collect what they paid into the system.

>> Medicare 101: You generally have a seven-month window to sign up, starting three months prior to turning 65. Not doing so could trigger late penalties and delay coverage — unless you’re covered beyond 65 by insurance from your or your spouse’s employer.

Register at aarp.cvent.com/future3-19 or call toll-free 877-926-8300.