More than a few physicians are hopingto retire before age 65, but there areseveral hurdles in the way. If you're thinkingabout cutting back on your workload,you should be aware that Social Securitybenefits, which you can start collecting atage 62, aren't likely to fill the gap in yourincome. In fact, if you make more than$11,640 and are not yet age 65, you giveback $1 in benefits for every $2 that yourincome goes above the threshold. Afterage 65, however, there's no giveback.Another potential problem is healthinsurance. If you leave an employer whoprovides you with health care coverage,you have to obtain your own policy,which can be very expensive, untilMedicare kicks in at age 65.