I haven't heard an explanation yet of how they plan to make people whole, who go out on disability, though I admit I haven't read or listened to every single thing about it. Whether there is a minimum of dollars earned credited. Anyone could go out on disability for awhile, whether for a couple of months, years, or permanently. At least your high five still count, and at least you're still accruing longevity. With this plan, you could potentially get nothing credited for that time.