(Author note: This is article number 500 in the AMAC Foundation’s “Ask Rusty” series of Social Security articles, which have been published nationwide every week since February 2017. “Ask Rusty” is provided free of charge as an integral part of the AMAC Foundation’s mission to “support and educate America’s seniors.” If you would like to help the AMAC Foundation fulfill its mission, charitable donations are graciously accepted at https://amacfoundation.org/donate/).