Hey Dr, Ed. I have another fun question: If someone did not have reportable income and their credits were short at retirement at FRA or as early as 62. I believe since SSI is a needs based program, they would qualify for SSI, since it would fall under the " Needs based test"? Also since it is needs based and SSI that person would need to keep SSA informed on earnings? Lastly since they are about to T67, they also would not have to follow the new Medicaid rule of 20 Hours a week or volunteer work, that's a Maryland Medicaid Question. Thank's Dr. Ed!

Quick Question, when calculating the High 35. I know those 35 are used to determine AIME, then to start the formula for the BEND Points for the 3 breakdowns of 90% 32% and 15%. I know indexing goes to age 60, and at age 62, COLA's start regardless or not if you take the benefit. My Question is- Let's say you had 4: 0,0,0,0 Zeros, and at age 64,65,66,67, You worked those years in retirement and took the benefit at FRA or 67, those 4 Years would replace the 0's, but No Indexing Past 60 Correct?

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