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.
The U.S. Department of Labor estimates that a man who retires at the age of 65 can anticipate living an additional 17 years, while a woman could live another 20 years. The DOL projects that a retiree will need to replace between 70 and 90 percent of his before-retirement income.