In addition to getting payments going back to your application date, you can get up to 12 months of retroactive payments for the year prior to your application date (or your protective filing date, discussed below) -- if you were disabled that long ago.
Characters will receive one specialization point at level 7 and another at level 14. Specialization points can be saved for later levels or used mid-level (the Level Up button on the stats sheet will be active if there are unspent specialization points).
Badge Tiers. This year skill badges are divided into 5 tiers: Bronze, Silver, Gold, Hall of Fame and Grand Badges. You'll earn the bronze tier after you unlock the badge, which then can be upgraded to silver and gold using VC. Personality badges only have 1 tier and cannot be upgraded. Hall of Fame Badges.