Um, er, okaaaay . . .

[hfojvt]

2. that seems strange

when they sent me annual reports, they used to tell me things like this

statement from December 16, 2008

"If you become disabled right now ... your payment would be about $864 a month"

In 2009, I would turn 47 (dang, I was so young then), so if I worked another 15 years at my then current pay of $11,202 a year,

"your payment would be about $569 a month"

so 15 more years of working and paying taxes gets me $295 a month LESS than if I stop working right NOW?

or, if I worked 20 more years and retired at age 67

"your payment would be about ... $825 a month"

still $39 a month less.

Kinda strange too, now that I read that, but if I had a spouse and I died, my spouse could collect $895 a month when she turns 67.

Kinda odd, that if I worked until I was 67 I could only collect $825 a month, but if I died in 2009, my spouse could collect $895 a month even though I never paid in another dime.

Funny how that works.