Dear Rusty: I am going to be 67 in a few weeks & I plan on working for another year or two. According to Social Security, they count the best 35 years to come up with your benefit. I currently have 30 years, with 2024 and 2025 taxes yet to be filed. If I take my benefit now, will I get an upward adjustment after filing my taxes for those years, or do I need to wait to apply for SS until after filing my taxes to get credit for those years? Signed: Still Working Dear Still Working: Whenever you claim your Social Security benefit, SSA will look at your lifetime earnings record on file at the time (as received from the IRS) and calculate your “primary insurance amount” (PIA) using that record on file. They will use your highest earning 35 years to do that calculation and, if you do not yet have 35 years, they will use “zero $$” enough times to make it 35 years. In other words, your benefit will always be calculated using 35 years, whether you actually have 35 years of earnings on record, or not.