I have heard that Social Security sometimes makes mistakes on our earnings records, which can reduce our monthly retirement benefits. How can I make sure this doesn't happen to me?

Mistakes in the Social Security earnings record are not uncommon. Your Social Security benefits are calculated based on your average earnings during the 35 years in which you earned the most. So, if your earnings for any particular year are underreported, it can reduce your benefits.

Errors typically occur because employers either report earnings incorrectly or report earnings using the wrong name or Social Security number. Errors might also occur if you got married or divorced and changed your name but did not report the change to Social Security.

Check Your Statement

The best way to keep an eye on your benefits and avoid any possible mistakes is to carefully review your Social Security statement every year. To do this, go to SSA.gov/myaccount to view your statement.

If you are age 60 or older, are not yet receiving benefits and do not have a My Social Security account online, your statement will be mailed to you about three months before your birthday. Your Social Security statement lists your earnings record for each year of employment and estimates the benefits you and your family may receive as a result of those earnings.

Once you receive your statement, take some time to verify its accuracy by comparing the earnings listed on your statement with your own tax records or W-2 statements. You must correct errors within three years, three months and 15 days following the year of the mistake.

If you happen to spot a discrepancy within the permitted time limit, first, call your nearest Social Security office (see SSA.gov/locator or call 800-772-1213) to report the error. Some corrections can be made over the phone. You may need to schedule an appointment and go in with copies of your W-2 forms or tax returns to prove the mistake or mail in the requested documents.

If you suspect a discrepancy, but do not have backup records, the Social Security Administration (SSA) may be able to use your employment information to search its records and correct mistakes. If the SSA cannot locate your records, you will need to contact the employer to obtain a copy of your W-2 for the year in question.

Once your earnings record is corrected, Social Security will send you a confirmation letter. If you do not receive the confirmation within three months, contact them again and double-check the correction by making sure it appears on your Social Security statement.

If corrections are not made on your statement, you can choose to appeal (see SSA.gov/pubs/EN-05-10041.pdf).

Other Mistakes

Social Security earnings miscalculations can also happen if there is a mistake in the current mailing address that the IRS has on file for you. Check your federal tax returns for this possible error, especially if you have moved recently.

To correct your address, contact the IRS at 800-829-3676 and ask them to mail you the "Change of Address" form 8822. Alternatively, you can print a copy of the form (IRS.gov/pub/irs-pdf/f8822.pdf), fill it out and mail it to the address on the form.

If your name or date of birth in the SSA's records is not the same as it appears in the IRS files then this could lead to mistakes. Double-check your Social Security statement for these possible mishaps. If you find an error call 800-772-1213 and ask for Form SS-5, "Application for a Social Security Card," to submit with the correct information. The form can also be downloaded at SSA.gov/forms/ss-5.pdf.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

What can you tell me about seasonal affective disorder? I have always disliked wintertime, but since I retired and am home a lot more, the dark and cold winter months make me depressed and lethargic.

If you get depressed in the winter but feel better in spring and summer, you may indeed have seasonal affective disorder ("SAD"), a wintertime depression that affects roughly 6% of Americans.

In most cases, SAD is related to the loss of sunlight in the winter months. Reduced sunlight can upset natural sleep-wake cycles and other circadian rhythms that can affect the body. It can also cause a drop in the brain chemical serotonin, which affects mood, and can increase the levels of the hormone melatonin, which can make you feel more tired and lethargic.

If you think you may have SAD, the best way to diagnose it is to visit your doctor. Alternatively, you can take a SAD "self-diagnostic" test on the Center for Environmental Therapeutics website at CET.org/self-assessmen. In the meantime, here are several treatment options and remedies that may help.

Light therapy: The most effective treatment for SAD is sitting in front of a specialized light therapy box for 15 to 20 minutes a day. Light therapy mimics outdoor light to cause a change in the chemicals of the brain that are linked to mood. It is most effective when timed to fit a person's individual circadian rhythm, which varies widely from person to person depending on whether they are a night owl or a morning lark. You can calculate the proper time for doing light therapy by taking the circadian rhythm test atCET.org/self-assessment.

The best light therapy lamps provide 10,000 lux of illumination, many times stronger than typical indoor light, and have a diffuser screen that filters out ultraviolet rays and projects the light downward toward the eyes.

Cognitive behavioral therapy: Even though SAD is considered to be a biological problem, identifying and changing thought and behavior patterns can help alleviate symptoms too. To help you with this, choose a therapist who specializes in cognitive behavioral therapy and who has experience in treating SAD. To locate someone in your area, check with the Association for Behavioral and Cognitive Therapies (FindCBT.org) or the Academy of Cognitive Therapy (AcademyofCT.org).

Antidepressants: Some people with SAD benefit from antidepressant treatment, especially if symptoms are severe. Some proven medications to ask your doctor about include the extended-release version of the antidepressant bupropion (Wellbutrin XL, Aplenzin), selective serotonin reuptake inhibitors (S.S.R.I.s), sertraline (also known as Zoloft) and fluoxetine (also known under the brand name Prozac).

Keep in mind, however, that it may take several weeks to notice full benefits from an antidepressant. In addition, you may have to try different medications before you find one that works well for you and has the fewest side effects.

Lifestyle remedies: Some other things you can do to help alleviate your SAD symptoms include making your environment sunnier and brighter. So, open up your blinds, sit closer to bright windows and get outside as much as you can. Even on cold or cloudy days, outdoor light can help, especially if you spend some time outside within two hours of getting up in the morning. Social activities and moderate exercise, such as walking, swimming, yoga and even tai chi, can also help alleviate SAD symptoms.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

The living trust is becoming quite a popular estate planning strategy. It costs more than a will, but includes many features that are helpful during life and in your estate. Let's review some of the basic principles of the living trust.

Living Trust Basics

A trust is created by transferring property to a trustee. The trustee is required to follow the provisions of a written trust document. That document identifies the individuals who will receive the income. In most cases, there are reasons or grounds for invading the principal for the benefit of named income recipients. After a period of time, such as the life of the income recipients, the trust remainder is then distributed or held in trust for the benefit of other persons.

Living Trust Example—Bill and Clara

Assume that Bill and Clara are married with three children. They create a living trust with themselves as the initial trustees. Bill and Clara transfer their home, mutual fund accounts and other assets into the trust. They will receive the income from the assets for their lifetime and have the ability to invade the trust or distribute assets back to themselves at any time. When they pass away, their selected successor trustee will manage the property and use it for the benefit of their three children.

Trust Creation

There are several steps in the process for Bill and Clara to create their trust. They will need to visit with their attorney and discuss the basic provisions for payment of income, invasion of principal, and distribution of their remainder. The remainder is the term to describe the value of the trust after both Bill and Clara pass away.

After they have discussed the living trust provisions and their attorney has drafted the trust agreement, they will then sign the trust both as the grantors and as the initial trustees. In order to have property to manage, the next step is to actually fund the trust or transfer assets to it.

The trust document will explain that Bill and Clara have the right to receive income for life from the trust. They can revoke the trust in whole or in part and transfer assets back to themselves as individuals. The trust will name one or more successor trustees. The successor will manage the trust if they are ill and are unable to manage or if they simply are no longer willing to undertake that responsibility. Finally, the trust document will explain who receives trust property after they pass away.

Living Trust Income Taxes

Because Bill and Clara have the right to receive the income from the trust and also can revoke the trust, they will report all of the income on their personal IRS Form 1040. The IRS does not regard the living trust as a separate taxpayer. For tax purposes, living trust income, capital gains and deductions flow through to their personal tax return.

For example, they may transfer their residence into the trust. If the residence has a mortgage, they will still be permitted to pay the mortgage and deduct the home mortgage interest on their tax return. In addition, if the trust transfers the property to a qualified exempt charity, Bill and Clara will be permitted to report the charitable deduction on their personal tax return.

Funding the Trust

Each type of asset will need to be transferred into the trust. Legal title to real estate is transferred through a deed (typically a warranty or grant deed depending upon your state). Bill and Clara signed deeds that transferred their personal residence from themselves to the trust with them as trustees. The deeds were filed with the local county registrar of deeds.

Stocks, bonds and mutual funds can be transferred into new accounts created by the trustee. In some cases, the financial services firm will require proof that you have the ability to transfer these items into the trust. Your attorney can create an "affidavit of trust" that you will sign. It will authorize the financial services company to create a new account for the trust and transfer the securities or mutual funds into that account.

Your cars, furniture and other tangible personal property are frequently retained in your personal name rather than being transferred to the trust account. If you do transfer vehicles through your appropriate state title into the trust, then it will be necessary to be certain that any purchases or sales of vehicles in the future are correctly titled in the name of the trust.

Estate Taxes

Because Bill and Clara have the right to receive trust income and the ability to invade the trust, it will be included in their estate. You may have heard that a living trust avoids probate. This is true. But, it is most important to realize that the federal government includes both your probate estate and other assets of which you have ownership in your taxable estate.

The taxable estate includes your assets probated under your will, your IRA, most insurance policies and your living trust assets. Therefore, if you have a large estate your attorney will ensure that your planning avoids probate to save probate costs, but is also designed to reduce estate taxes on the total assets in your probate estate and living trust.

What's the best way to find a good handyman or tradesman to do some work around the house? I have had some bad luck lately with unprofessional workers who do substandard work and charge too much.

Hiring a good home repair handyman can be a challenge. How do you find someone who will return your calls, show up on time, do the job right and finish it, all at a fair price? Here are some tips that can help.

Who to Call

While it may seem obvious, the person you choose to call for help will depend on what you need done. If, for example, you have a small home repair or improvement project that does not require a lot of technical expertise, a handyman may be all you need. But, if you have a job that involves heating or cooling systems, electricity or plumbing, you are better off going with a licensed tradesman. Bigger jobs like home renovations or remodeling may require a general contractor.

Whatever type of work you need, the best way to find it is through referrals from people you trust. If your friends or family do not have any recommendations, turn to professionals in the field, like local hardware or home improvement stores or even real estate agents.

There are also online resources that can help. Websites like Home Advisor can put you in touch with prescreened, customer-rated service professionals in your area for free. You can also try Angie's List, which is a membership service that will connect you with contractors and service companies with various types of expertise for free. They provide ratings and reviews of local professionals who have done work for other members in your area, plus details about the type of work they have completed, prices, professionalism and timeliness.

Another option for finding handyman services is through a local or national service company like Mr Handyman, House Doctors or Handyman Connection. You will probably pay more going through a company than you would with an independent handyman, but service companies typically promise professional workers who are screened, licensed, bonded and insured.

To find local handyman services in your community, check your yellow pages or go to any internet search engine and type in "handyman" along with your city and state.

Things to Know

Once you've located a few candidates, your next step is to get written estimates that list the materials, costs and details of the project. It is a good idea to get at least three estimates from different sources to be sure you are getting a fair deal.

Before hiring someone, check out his or her work history with your state consumer protection agency (go to usa.gov/state-consumer for a list) and the Better Business Bureau (bbb.org/council). You can also conduct an online search using the company or individual's name and search terms like "reviews" and "complaints."

You also need to find out if your candidate has an approved contractor or tradesman license. Using an unlicensed worker in a state that requires a license is dangerous - you will have little legal recourse if the job goes bad. (To see which states license contractors, visithttps://contractorquotes.us/contractor-license/). Contractorcheck.com is another good resource for researching local contractors. In addition, make sure to ask to see your candidate's proof of insurance, which covers any damages they may cause while working on your home, and ask for several references from past jobs.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living" book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization's official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.

Just as you can inherit your father's height or your mother's hair color, you can also inherit their genetic risk for diseases such as heart disease, stroke, cancer and diabetes. Here is what you should know.

Health History

Even with all the high-tech tests, medicines and procedures that are available today, an accurate family health history remains one of the most important tools in keeping yourself healthy. Since most diseases have both environmental and genetic components, your family's health history can provide you and your doctor a genetic roadmap to your strengths and weaknesses. This information may help you recognize, and even fend off, inheritable illnesses in their early stages.

Tracking your History

To collect your family's medical history, you will need some basic medical facts about your parents, siblings, grandparents, aunts, uncles and even first cousins. Talk with them and get the specific ages when family members developed health problems like heart disease, stroke, cancer, diabetes, Alzheimer's disease, osteoporosis, asthma, blindness, deafness, depression, alcoholism and more. Also, if family members are deceased, find out when and how they passed away. Some relatives may not want to share their medical histories or they may not know their family history, but whatever information you discover will be helpful. A good resource to help you find an ancestor's unknown medical history is their death certificate, which you can acquire from the state health department. Your relative's death certificate will list the cause of death and your relative's age at death.

Collecting Information

The upcoming holidays, when many families come together, are a perfect time to collect your family's health history. A great resource to help you get started is the free web-based tool called "My Family Health Portrait," which is available at familyhistory.hhs.gov. Using this tool, you can organize your family tree, identify genetic risks and even share the information with your family members and doctors. If you do not like using the online software, you can print out a hardcopy version to fill out by hand.

Tip: If you're adopted, the National Foster Care & Adoption Directory (www.childwelfare.gov/nfcad or 800-394-3366) may help you locate your birth parents to get their medical history.

Increased Risks

Having a parent or sibling with a particular genetic disease does not mean you will get the disease too, but this risk factor nearly doubles the odds that you could develop the same disease. If two or more cases occur in the same immediate family, the odds can increase by fourfold or more. Some additional factors that can increase your risks are:

• If a family member was diagnosed with a disease 10 to 20 years before the average age of diagnosis (e.g., a family member was diagnosed with heart disease at age 35).
• A disease that does not usually affect a certain gender (e.g., breast cancer in men).
• A family member diagnosed with certain combinations of diseases (e.g., breast and ovarian cancer, or heart disease and diabetes).

Handling Your History

If you discover that a serious health problem runs in your family, do not despair. While you cannot change your genes, you can change your habits to increase your chances of a healthy future. By eating a healthy diet, exercising and not smoking, you can offset and sometimes even neutralize your genetic vulnerabilities. This is especially true for heart disease, stroke, type 2 diabetes and osteoporosis. A family medical history can also alert you to get early and frequent screening tests, which can help detect other problems (high blood pressure, high cholesterol and cancers like breast, ovarian, prostate and colon cancer) in their early stages when they are most treatable.

Savvy Living is written by Jim Miller, a regular contributor to the NBC Today Show and author of "The Savvy Living” book. Any links in this article are offered as a service and there is no endorsement of any product. These articles are offered as a helpful and informative service to our friends and may not always reflect this organization’s official position on some topics. Jim invites you to send your senior questions to: Savvy Living, P.O. Box 5443, Norman, OK 73070.