They don't tell the whole truth. You do not actually get the amount the book says you will. They take out for Medicare and so far, every year they have given a raise, they raise the cost of Medicare. This year we get a 2% increase. I get the maximum amount and because of the new cost of Medicare, I get a $13 a month raise. Then at the end of the year we give part of it back in taxes owed. At least they don't still take out for SS.