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 plans have liberal early retirement provisions like 30 and out, in which an employee can get 30 percent of final average earnings immediately on retirement rather than waiting until age 65. An employee who completes 30 years at age 50 and then retires gets benefits for 15 years longer.