German armies used the Skull & Cross bones many times. In the image above we see the Totenkopf, a German word for the deathmanÂ´s head. This is an old symbol of momenti mori. It consists usually of the skull and the mandible of the human skeleton.
You generally need to work for 10 years to qualify for benefits (unless youâre receiving benefits through a spouse -- see How Spouses Can Maximize Social Security Benefits for more information). The maximum earnings that count toward your benefit are $118,500 in 2015.
The penalty for taking Social Security early is around 7 percent a year, and the bonus for delaying is also about 7 percent a year. If your benefit at age 66 is figured at the average of $1,268 a month, then you'll only receive about $1,180 per month if you sign up at age 65.