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To: Broken_Clock who wrote (121204)	9/19/2012 5:26:54 PM
From: Wharf Rat	Read Replies (1) \| Respond to of 149317

Maybe your medicare/part D deductions went up. My check is $75 more than last year. We did go 2 or 3 years without getting a COLA.

To: Broken_Clock who wrote (121204)	9/20/2012 1:38:52 AM
From: Sr K	Respond to of 149317

I think your calculation is off. In the early years if you earned less than the later years or if you hit the SS maximum earnings subject to the tax, the contribution was less. For instance in 1964-1969 and 1970s and early 1980s. SS is not just for retirement. It also pays younger survivors; and the $255 death benefit is from SS. ssa-custhelp.ssa.gov How much would you need to invest today, in a bank, with absolute safety, to earn $2,100 a month? If your expected payment has actually come down, it might be because of the formula, with some newer quarters replacing older quarters, or additional quarters going into the total that is then averaged, so the average earnings is lower than it used to be. Those projections from 2-3 years ago were based on you earning what you did 3-4 years ago that you hadn't yet actually earned. If you are working and earning less than you used to, or are unsure, ask an accountant to check it for you or stop in at a SSA office.