It's time to make sure you have a well-being strategy in place for when you retire. It is not too late to decide which option is best for you, but it does require some thought. Retirement decisions are important and should be made with care. You can't anticipate what life after retirement will be like, but you do need to make sure that your options are clear.
When you purchase a well-being strategy, it is your employer who typically handles the administration of the plan. As part of this, they set up and manage an account for you on their website or via some other method. You can then login to that site to see how your plan is doing.