<html><head><meta http-equiv="Content-Type" content="text/html; charset=us-ascii"></head><body style="word-wrap: break-word; -webkit-nbsp-mode: space; line-break: after-white-space;" class=""><br class=""><div><br class=""><blockquote type="cite" class=""><div class="">Begin forwarded message:</div><br class="Apple-interchange-newline"><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif; color:rgba(0, 0, 0, 1.0);" class=""><b class="">From: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">Suzanne Turner via State-Affiliate-Leadership-List <<a href="mailto:state-affiliate-leadership-list@nfbnet.org" class="">state-affiliate-leadership-list@nfbnet.org</a>><br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif; color:rgba(0, 0, 0, 1.0);" class=""><b class="">Subject: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class=""><b class="">[State-Affiliate-Leadership-List] You are invited to come and learn about Social Security Work Incentives And More!</b><br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif; color:rgba(0, 0, 0, 1.0);" class=""><b class="">Date: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">January 8, 2021 at 10:37:40 PM CST<br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif; color:rgba(0, 0, 0, 1.0);" class=""><b class="">Cc: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class=""><a href="mailto:smturner.234@gmail.com" class="">smturner.234@gmail.com</a><br class=""></span></div><div style="margin-top: 0px; margin-right: 0px; margin-bottom: 0px; margin-left: 0px;" class=""><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif; color:rgba(0, 0, 0, 1.0);" class=""><b class="">Reply-To: </b></span><span style="font-family: -webkit-system-font, Helvetica Neue, Helvetica, sans-serif;" class="">State Affiliate Leadership List <<a href="mailto:state-affiliate-leadership-list@nfbnet.org" class="">state-affiliate-leadership-list@nfbnet.org</a>><br class=""></span></div><br class=""><div class=""><meta charset="UTF-8" class=""><div class="WordSection1" style="page: WordSection1; caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 18px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;"><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Members and Friends,<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">On January 11, 2021 at 5:00 PM EDT. The Ohio Affiliate will host a zoom call educating members on three key social benefits, The Social Security Cost Of Living Increase, Social Security Work Incentives and the Personal Care Assistance Program.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Please share the information with anyone to whom you think will benefit from learning about these programs.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">If you are currently working, seeking employment or interested in work, than this vital information is for you.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Also, I have inserted below for your review, the Social Security Fact Sheet on the Cost Of Living Adjustment amounts for 2020 and 2021 at the bottom of this email.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">The top number in the fact sheet displays the 2020 adjustment and the bottom is the upcoming 2021 adjustment amounts. If you have questions, please email me at<span class="Apple-converted-space"> </span><a href="mailto:SMTurner.234@gmail.com" style="color: rgb(5, 99, 193); text-decoration: underline;" class="">SMTurner.234@gmail.com</a>.<o:p class=""></o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Our speakers will be Brandon Smith, who is the Public Affairs Specialist at the Social Security Administration and Katie Scheetz, who is the<span class="Apple-converted-space"> </span></span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">Program Specialist for PCA Program & Deaf Services at the<span class="Apple-converted-space"> </span></span><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">Bureau of Services for the Visually Impaired (BSVI)<a name="_Hlk18067489" class=""></a><a name="_Hlk18941617" class=""></a><a name="_Hlk14090147" class=""></a><a name="_Hlk14085768" class=""><span class=""><span class=""><span class="">.<o:p class=""></o:p></span></span></span></a></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">These professionals are quite knowledgeable and will take your questions.<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">So, set this valuable meeting in your calendar.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Even though, these experts are in Ohio, the Social Security information is applicable nationwide.<span class="Apple-converted-space"> </span></span></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">///<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Cost Of Living Adjustment: COLA facts2021<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security logo<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2021 SOCIAL SECURITY CHANGES<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Cost-of-Living Adjustment (COLA):<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Based on the increase in the Consumer Price Index (CPI-W) from the third quarter of 2019 through the third quarter of 2020, Social Security and Supplemental Security Income (SSI) beneficiaries will receive a 1.3 percent COLA for 2021. Other important 2021 Social Security information is as follows:<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table with 3 columns and 3 rows<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Tax Rate<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2020<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Employee<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">7.65%<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">7.65% <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Self-Employed<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">15.30%<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">15.30%<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table end<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">NOTE: The 7.65% tax rate is the combined rate for Social Security and Medicare. The Social Security portion (OASDI) is 6.20% on earnings up to the applicable<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">taxable maximum amount (see below). The Medicare portion (HI) is 1.45% on all earnings. Also, as of January 2013, individuals with earned income of more<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">than $200,000 ($250,000 for married couples filing jointly) pay an additional 0.9 percent in Medicare taxes. The tax rates shown above do not include the<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">0.9 percent.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table with 4 columns and 9 rows<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2020<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Maximum Taxable Earnings<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security (OASDI only)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$137,700<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$142,800 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Maximum Taxable Earnings <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Medicare (HI only)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">No Limit <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Quarter of Coverage<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,410<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,470 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Retirement Earnings Test Exempt Amounts<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Under full retirement age<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$18,240/yr. ($1,520/mo.)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$18,960/yr. ($1,580/mo.) <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Retirement Earnings Test Exempt Amounts <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">NOTE: One dollar in benefits will be withheld for every $2 in earnings above the limit.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Retirement Earnings Test Exempt Amounts <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">The year an individual reaches full retirement age<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$48,600/yr. ($4,050/mo.)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$50,520/yr. ($4,210/mo.) <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Retirement Earnings Test Exempt Amounts <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">NOTE: Applies only to earnings for months prior to attaining full retirement age. One dollar in benefits will be withheld for every $3 in earnings above the limit.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Retirement Earnings Test Exempt Amounts <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Beginning the month an individual attains full retirement age<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">None<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table end<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table with 5 columns and 18 rows<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2020<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security Disability Thresholds<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Substantial Gainful Activity (SGA)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Non-Blind<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,260/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,310/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security Disability Thresholds Substantial Gainful Activity (SGA) <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Blind<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,110/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,190/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security Disability Thresholds Substantial Gainful Activity (SGA) <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Trial Work Period (TWP)<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$ 910/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$ 940/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Social Security Disability Thresholds <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Maximum Social Security Benefit: Worker Retiring at Full Retirement Age<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$3,011/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$3,148/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Federal Payment Standard<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Individual<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$ 783/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$ 794/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Federal Payment Standard <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Couple<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,175/mo.<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,191/mo. <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Resource Limits<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Individual<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,000<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,000 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Resource Limits <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Couple<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$3,000<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$3,000 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Student Exclusion<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Monthly limit<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,900<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,930 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">SSI Student Exclusion <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Annual limit<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$7,670<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$7,770 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""> <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Before 1.3% COLA<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">After 1.3% COLA <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">All Retired Workers<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,523<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,543 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Aged Couple, Both Receiving Benefits<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,563<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,596 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Widowed Mother and Two Children<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,962<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$3,001 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Aged Widow(er) Alone<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,434<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,453 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Disabled Worker, Spouse and One or More Children<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,195<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$2,224 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Estimated Average Monthly Social Security Benefits Payable in January 2021 <o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">All Disabled Workers<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,261<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">$1,277<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">table end<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in 0in 0in 0.25in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Join Zoom Meeting<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><a href="https://zoom.us/j/4081850851" style="color: rgb(5, 99, 193); text-decoration: underline;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">https://zoom.us/j/4081850851</span></span></span></span></span><span class=""><span class=""><span class=""><span class=""></span></span></span></span></a><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><span class="Apple-converted-space"> </span><</span></span></span></span></span><span class=""><span class=""><span class=""><span class=""></span></span></span></span><a href="https://zoom.us/j/4081850851" style="color: rgb(5, 99, 193); text-decoration: underline;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">https://zoom.us/j/4081850851</span></span></span></span></span><span class=""><span class=""><span class=""><span class=""></span></span></span></span></a><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">> One tap mobile<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">+16468769923,,4081850851#<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">+1 646 876 9923<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; text-align: center;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class="">Meeting ID: 408 185 0851<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">Suzanne Turner, Ohio Affiliate Vice President<o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif; color: rgb(34, 34, 34);" class="">(216) 990-6199<span class="Apple-converted-space"> </span><o:p class=""></o:p></span></span></span></span></span></div><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif; background-color: white;" class=""><span class=""><span class=""><span class=""><span class=""></span></span></span></span><span class=""><span class=""><span class=""><span class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></span></span></span></span></div><span class=""></span><span class=""></span><span class=""></span><span class=""></span><div style="margin: 0in; font-size: 11pt; font-family: Calibri, sans-serif;" class=""><span style="font-size: 12pt; font-family: Arial, sans-serif;" class=""><o:p class=""> </o:p></span></div></div><span style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 18px; font-style: normal; font-variant-caps: normal; font-weight: normal; 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font-family: Helvetica; font-size: 18px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none; float: none; display: inline !important;" class="">To unsubscribe, change your list options or get your account info for State-Affiliate-Leadership-List:</span><br style="caret-color: rgb(0, 0, 0); font-family: Helvetica; font-size: 18px; font-style: normal; font-variant-caps: normal; font-weight: normal; letter-spacing: normal; text-align: start; text-indent: 0px; text-transform: none; white-space: normal; word-spacing: 0px; -webkit-text-stroke-width: 0px; text-decoration: none;" class=""><a href="http://nfbnet.org/mailman/options/state-affiliate-leadership-list_nfbnet.org/nchadwick%40nfbar.org" style="color: rgb(5, 99, 193); text-decoration: underline; font-family: Helvetica; font-size: 18px; font-style: normal; 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