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).
Accepted Answer. It's a total of all your skill adding items. +30 can be done, it's just tough. and the 20 from the hard points. You add all those up and you get .... 32 points for grand total of a level 52 enchant. If you can get a better weapon, or want to not hold a cube you can get an +1. So yes that many skills can be reached.