Dear Rusty: I will be 72 in July. I started taking my Social Security at age 64 after a job loss and other items that came up. So, my plan to wait past 68 evaporated, but I have continued to work since that time at a considerably smaller amount. I have contacted Social Security about increasing my “entitlement” since my earnings of late are considerably more than my first few years of earnings. Using the formula of the highest earnings over the last 35 years divided by 420 my monthly increase would be about $500. I’ve contacted Social Security several times about this. Their standard reply is that they evaluate all accounts every October and if any adjustments are to be made, they will be made in March of the following year. Nothing has changed with regards to this as I’ve continued to work. Does the fact that I claimed my benefit at age 64 take me out of the equation? Signed: Working Still at 72

This recording presents the viewpoints of the AMAC Foundation’s Social Security Advisory Staff, trained and accredited under the National Social Security Advisors program of the National Social Security Association, LLC (NSSA). NSSA and the AMAC Foundation are not affiliated with or endorsed by the United States Government, the Social Security Administration, or any other state government. To request additional information, contact our Advisory Staff at 888-750-2622, or email us at SSAdvisor@AmacFoundation.org.