Currently 56 1/2 and have worked every year since I was 18 years old. My benefits according to SS are estimated to be over $1,000 if I enroll at age 62. With Covid wiping out my career I may not ever work again, will this affect my monthly draw? With 5 1/2 years left?

Hi. Your Social Security retirement benefit amount will be based on an average of your highest 35 years of Social Security covered wage-indexed earnings. Not working again wouldn't lower your benefit rate. You just wouldn't be able to increase your rate by replacing past lower earnings years with higher future earnings years.

The only way that not working again would lower the estimate you were given is if projected future year earnings were included in the estimate calculation.

Best, Jerry