LOL
Thanks Will;

Kat,
I have been to our local office and spoken wih them on the phone many times. They have always been helpful and ready to explain or just go the extra mile to be sure I was OK.

The main office in NY was the problem. The woman obviously hasted her job. I called there because the local office lines were all busy.

Never again. It is worth the wait to be treated civilly. The answer to my question was simple - we use your estimated wages and adjust in January. Instead I got we can't tell you if you are going to get anything this year.
Nasty unpleasant woman.