Have you visited the Women's Institute For A Secure Retirement (WISER).  This is a non-profit group that focuses on some of the special issues that women face planning for retirement.  It's a great website with helpful tools and information.   Read 10 Ways Women Baby Boom Women (And Men) Can Save Themselves From Retirement Poverty!  It's a checklist we all need to review periodically.

#3 on the checklist - Learn About Various Sources of Retirement Income

Workers misunderstand what their primary sources of income in will be in retirement.  Social security is the most important source of income for many people, but before retirement, they tend to vastly underestimate its importance.