There are three rate tiers for SOG depending on your rank. Not sure if the retiree rate is the rank you retired at? You might need to call and ask the questions about the rates for retirees and honorably discharged. It is pretty easy to call them. They usually answer right away and you aren't on hold for hours as sometimes happens with Disney

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There are three rate tiers but they usually have specials during less busy times. I think you have to book all of these over the phone. Bottom line is I would just call them. We pay the highest rate (usually $131) and at the end of January I am paying $85 a night!

You really can't beat the value. I know a lot of people like to use the military rates that Disney gives (30% value, 35% moderates, 40% deluxe) but I can just never justify the cost. SOG has always come out way ahead in value and even when I have had other hotels booked (Wilderness Lodge, AKL) I always end up cancelling and doing SOG so I can spend the savings elsewhere.
We really enjoy SOG and I hope you do as well. Have a wonderful trip!