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).
1 Remember: This guide is mainly showing you how to get 99 in the skill, not by making money with that skill. 2  Just remember that when you reach around level 70 in a skill, it gets extremely boring, so train on other skills first.  A good and easy way to get smithing up is to do the Knights Quest.