Scabies is spread by prolonged skin-to-skin contact with a person who has scabies. Scabies sometimes also can be spread by contact with items such as clothing, bedding, or towels that have been used by a person with scabies, but such spread is very uncommon unless the infested person has crusted scabies.
Your retirement benefit is based on your highest 35 years of earnings and your age when you start receiving benefits. If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the amount of retirement benefits you are due.
Some thoughts on the timing of retirement. Thirty years ago, people typically started work at a fairly young age (age 20), worked to 65 and then statistically lived to age 72. They had many years to earn and save and few years to spend. The fact is normal retirement has been 65 for a long time.