Scabies is spread by prolonged skin-to-skin contact with a person who has scabies. Scabies sometimes also can be spread by contact with items such as clothing, bedding, or towels that have been used by a person with scabies, but such spread is very uncommon unless the infested person has crusted scabies.
Your retirement benefit is based on your highest 35 years of earnings and your age when you start receiving benefits. If you stop work before you have 35 years of earnings, we use a zero for each year without earnings when we do our calculations to determine the amount of retirement benefits you are due.
You have to look at how much money you need in order to live a comfortable life during your retirement years. Some people have to work until they are 65 or 70 before they can set aside enough money to live on. Sitting down with a retirement planner can help you determine how much you need to save.