Q: I know my Social Security benefits will be based on my last five years of earnings before I retire. But here is the problem. I am 60 years old and have just been laid off by my employer. I have few if any prospects of getting another job. I plan to sign up for my Social Security when I am 62. But two of my last five years will have no earnings, thus dramatically lowering my future Social Security benefits. Can I just pay money into the Social Security system for these last two years?
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