Social Security Averages Your 35 Highest-Earning Years. One More Year at 64 Can Erase a Zero From 1984 and Raise Your Check for Life.
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If you have a Social Security earnings record with any gap in it (a year off with kids, a stretch in grad school, an early-career break, a mid-career layoff), the Social Security Administration is quietly averaging a $0 into your benefit for every missing year.