Scott:
I have used the Social Seurity web site to determine my benefits if I retired early in 2009 at age 62 and if I waited until full retirement at age 66. The key number in that calculation, of course, is my rate of earnings. In my case my earnings in 2008 at age 61 will "max" out SS witholding.
My employment picture changes daramtically after that. In the years 2009-2014 I expect my earnings subject to SS tax to be perhaps as low as $20,000 a year and as high as $60,000.
How do I get an estimate of Social Security benefits at full retirement age with an uneven earnings pattern leading up to full retirement date?
Best regards,
I'm sure I am not unique
