Cautions on the estimates. They are just that. SS can't calculate your benefit amount accurately until approximately November of the year before you turn 62. The calculations used are based on average earnings in the US for 3 years prior to the year of your 62nd birthday. The estimates use today's figures (i.e. figures for people turning 62 in 2000) and then guesstimate COLAs, etc.So don't hold SS to the fire if your calculations (or theirs) when you are age 55 don't match what you get at age 62. SS doesn't know today what people in the US will make in 2002. They can only guess.
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