diff --git a/partials/frequent-questions.html b/partials/frequent-questions.html
index 4d1019b..26e3518 100644
--- a/partials/frequent-questions.html
+++ b/partials/frequent-questions.html
@@ -99,17 +99,43 @@ <h2>Additional Questions</h2>
     <ul>
       <li>
         Income tax withholding
-        [<a href="https://www.ssa.gov/planners/taxwithold.html">ssa.gov</a>]
+        [<a href="https://www.ssa.gov/planners/taxwithold.html"
+          target="_blank">ssa.gov</a>]
       </li>
       <li>
         Medicare (health insurance) Part B premium
         [<a
-          href="https://www.medicare.gov/your-medicare-costs/paying-parts-a-and-b/pay-parts-a-and-b-premiums.html">medicare.gov</a>].
+          href="https://www.medicare.gov/your-medicare-costs/paying-parts-a-and-b/pay-parts-a-and-b-premiums.html"
+          target="_blank">medicare.gov</a>].
       </li>
       <li>
         Garnishments (ex: back taxes, student loans, alimony, child support).
       </li>
     </ul>
+    <p>
+      There are also some smaller factors which this calculator does not
+      currently take into account fully, but may be added in the future. These
+      include:
+    </p>
+    <ul>
+      <li>
+        Special Extra Earnings for Military Service from 1957 - 2001 [<a
+          href="https://www.ssa.gov/benefits/retirement/planner/military.html"
+          target="_blank">ssa.gov</a>]. This can add as much as an additional
+        $1,200 per year on your earnings record. For most, the effect
+        is only a few additional dollars per month in benefits, but in rare
+        cases this can be as high as hundreds of extra dollars.
+      </li>
+      <li>
+        Windfall Elimination Provision [<a
+          href="https://www.ssa.gov/pubs/EN-05-10045.pdf"
+          target="_blank">ssa.gov</a>]. This provision can reduce the monthly
+        benefit for those who earn a retirement or disability pension from an
+        employer who didn't withhold Social Security taxes (typically a
+        Government pension). The reduction can be up to half the value of the
+        pension. About 3% of Social Security beneficiaries are affected.
+      </li>
+    </ul>
   </section>
   <section class=frequent-questions>
     <input type=checkbox id=q5>
diff --git a/src/ssa-parse.mjs b/src/ssa-parse.mjs
index 5387aed..fcf3464 100644
--- a/src/ssa-parse.mjs
+++ b/src/ssa-parse.mjs
@@ -13,6 +13,10 @@ var dollarStringToNumber = function(dollar_string) {
   // yet been filed. Record this as a -1 sentinel for now.
   if (dollar_string === 'NotYetRecorded')
     return -1;
+  if (dollar_string === 'MedicareBeganIn1966')
+    return 0;
+  if (dollar_string === '')
+    return 0;
   var number_string = dollar_string.replace(/[$,]/g, '');
   return Number(number_string);
 }
@@ -26,7 +30,11 @@ var parseSsaGovTable = function(lines) {
     var record = new EarningRecord();
     record.year = Number.parseInt(columns[0]);
     record.taxedEarnings = dollarStringToNumber(columns[1]);
-    record.taxedMedicareEarnings = dollarStringToNumber(columns[2]);
+    if (columns.length > 2) {
+      record.taxedMedicareEarnings = dollarStringToNumber(columns[2]);
+    } else {
+      record.taxedMedicareEarnings = 0;
+    }
     earningsRecords.push(record);
   }
   return earningsRecords;
@@ -96,6 +104,10 @@ var parsePaste = function(paste) {
   // Some columns will include the string "Not yet recorded" which breaks
   // columns on spaces in the string. We replace these with "NotYetRecorded".
   replacedStr = replacedStr.replace(/not yet recorded+/gi, "NotYetRecorded");
+  // Similarly, for records in 1965, the Medicare column will include the
+  // string "Medicare Began in 1966". We replace this with:
+  // "MedicareBeganIn1966".
+  replacedStr = replacedStr.replace(/medicare began in 1966+/gi, "MedicareBeganIn1966");
 
   // Split based on newlines.
   let lines = replacedStr.split("\n");
diff --git a/tests/specs/ssa-parse_test.mjs b/tests/specs/ssa-parse_test.mjs
index 474966f..709bb45 100644
--- a/tests/specs/ssa-parse_test.mjs
+++ b/tests/specs/ssa-parse_test.mjs
@@ -32,228 +32,245 @@ describe("parsePaste", function() {
   });
 	it("Parses ssa.tools own formatted table", function() {
     let pasteData = (
-    		'Year\tAge\tTaxed Earnings\t\tMultiplier\tIndexed Earnings\t\t\n' +
-        '2016\t21\t$80,000\tx\t1.01\t=\t$80,900\tTop 35 Value\n' +
-        '2017\t22\t$90,000\tx\t1.00\t=\t$90,000\t\n' +
-        '2018\t23\t$100,000\tx\t1.00\t=\t$100,000\t\n');
+      'Year\tAge\tTaxed Earnings\t\tMultiplier\tIndexed Earnings\t\t\n' +
+      '2016\t21\t$80,000\tx\t1.01\t=\t$80,900\tTop 35 Value\n' +
+      '2017\t22\t$90,000\tx\t1.00\t=\t$90,000\t\n' +
+      '2018\t23\t$100,000\tx\t1.00\t=\t$100,000\t\n');
     parsePasteExpect(parsePaste(pasteData));
 	});
   it("Parses ssa.gov format (Chrome, Linux, Full Page)", function() {
     let pasteData = (
-        'KSkip to Content\n' +
-        'my Social Security\n' +
-        'Uncle Sam Sign Out\n' +
-        'My Home  Message Center  Security Settings\n' +
-        'Earnings Record\n' +
-        'Overview\n' +
-        'Estimated Benefits\n' +
-        'Earnings Record\n' +
-        'Replacement Documents\n' +
-        'Social Security Statement\n' +
-        'Your benefits are based on your earnings. If our records are wrong' +
-        'you may not receive all the benefits to which you\'re entitled.\n' +
-        '\n' +
-        'Review your earnings record carefully...\n' +
-        'Limits on taxable earnings for Social Security...\n' +
-        'Contact us about errors...\n' +
-        'Work Year\n' +
-        'Taxed Social Security Earnings\n' +
-        'Taxed Medicare Earnings\n' +
-        '2018\t$100,000\t$100,000\n' +
-        '2017\t$90,000\t$90,000\n' +
-        '2016\t$80,000\t$80,000\n' +
-        'Estimated Total Taxes Paid\n' +
-        'For Social Security\n' +
-        'Paid by you:\n' +
-        '$10,000\n' +
-        'Paid by your employers:\n' +
-        '$10,000\n' +
-        'For Medicare\n' +
-        'Paid by you:\n' +
-        '$10,000\n' +
-        'Paid by your employers:\n' +
-        '$10,000\n' +
-        'Print / Save Your Full Statement\n' +
-        'Get a copy of your Statement information in a convenient, '+
-        'print-friendly format.\n\n' +
-        'Disclaimer\n' +
-        'Download Your Statement Data\n' +
-        'Save your Statement information as an XML file.\n\n' +
-        'How to use this file.\n' +
-        'Privacy PolicyAccessibility Help\n\n');
+      'KSkip to Content\n' +
+      'my Social Security\n' +
+      'Uncle Sam Sign Out\n' +
+      'My Home  Message Center  Security Settings\n' +
+      'Earnings Record\n' +
+      'Overview\n' +
+      'Estimated Benefits\n' +
+      'Earnings Record\n' +
+      'Replacement Documents\n' +
+      'Social Security Statement\n' +
+      'Your benefits are based on your earnings. If our records are wrong' +
+      'you may not receive all the benefits to which you\'re entitled.\n' +
+      '\n' +
+      'Review your earnings record carefully...\n' +
+      'Limits on taxable earnings for Social Security...\n' +
+      'Contact us about errors...\n' +
+      'Work Year\n' +
+      'Taxed Social Security Earnings\n' +
+      'Taxed Medicare Earnings\n' +
+      '2018\t$100,000\t$100,000\n' +
+      '2017\t$90,000\t$90,000\n' +
+      '2016\t$80,000\t$80,000\n' +
+      'Estimated Total Taxes Paid\n' +
+      'For Social Security\n' +
+      'Paid by you:\n' +
+      '$10,000\n' +
+      'Paid by your employers:\n' +
+      '$10,000\n' +
+      'For Medicare\n' +
+      'Paid by you:\n' +
+      '$10,000\n' +
+      'Paid by your employers:\n' +
+      '$10,000\n' +
+      'Print / Save Your Full Statement\n' +
+      'Get a copy of your Statement information in a convenient, ' +
+      'print-friendly format.\n\n' +
+      'Disclaimer\n' +
+      'Download Your Statement Data\n' +
+      'Save your Statement information as an XML file.\n\n' +
+      'How to use this file.\n' +
+      'Privacy PolicyAccessibility Help\n\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Chrome, Linux, Full Table)", function() {
     let pasteData = (
-        'Work Year\n' +
-        'Taxed Social Security Earnings\n' +
-        'Taxed Medicare Earnings\n' +
-        '2018\t$100,000\t$100,000\n' +
-        '2017\t$90,000\t$90,000\n' +
-        '2016\t$80,000\t$80,000\n')
+      'Work Year\n' +
+      'Taxed Social Security Earnings\n' +
+      'Taxed Medicare Earnings\n' +
+      '2018\t$100,000\t$100,000\n' +
+      '2017\t$90,000\t$90,000\n' +
+      '2016\t$80,000\t$80,000\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Chrome, Linux, Table Rows)", function() {
     let pasteData = (
-        '2018\t$100,000\t$100,000\n' +
-        '2017\t$90,000\t$90,000\n' +
-        '2016\t$80,000\t$80,000\n')
+      '2018\t$100,000\t$100,000\n' +
+      '2017\t$90,000\t$90,000\n' +
+      '2016\t$80,000\t$80,000\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Firefox, Linux, Full Page)", function() {
     let pasteData = (
-        '\n' +
-        'K\n' +
-        'Skip to Content\n' +
-        'my Social Security\n\n' +
-        '    Gregory A. Grothaus Sign Out \n\n' +
-        '    My Home Message Center Security Settings \n\n' +
-        'Earnings Record\n' +
-        'Overview\n' +
-        'Estimated Benefits\n' +
-        'Earnings Record\n' +
-        'Replacement Documents\n' +
-        'Social Security Statement\n\n' +
-        'Your benefits are based on your earnings. If our records are wrong ' +
-        'you may not receive all the benefits to which you\'re entitled.\n' +
-        'Review your earnings record carefully...\n' +
-        'Limits on taxable earnings for Social Security...\n' +
-        'Contact us about errors...\n' +
-        'Work Year\n\t\n' +
-        'Taxed Social Security Earnings\n\t\n' +
-        'Taxed Medicare Earnings\n' +
-        '2018 \t$100,000 \t$100,000\n' +
-        '2017 \t$90,000 \t$90,000\n' +
-        '2016 \t$80,000 \t$80,000\n' +
-        'Estimated Total Taxes Paid\n' +
-        'For Social Security\n' +
-        'Paid by you:\n' +
-        '$100,082\n' +
-        'Paid by your employers:\n' +
-        '$104,593\n' +
-        'For Medicare\n' +
-        'Paid by you:\n' +
-        '$104,437\n' +
-        'Paid by your employers:\n' +
-        '$104,437\n' +
-        'Print / Save Your Full Statement\n\n' +
-        'Get a copy of your Statement information in a convenient, ' +
-        'print-friendly format.\n' +
-        'Disclaimer\n' +
-        'Download Your Statement Data\n\n' +
-        'Save your Statement information as an XML file.\n' +
-        'How to use this file.\n\n' +
-        '    Privacy PolicyAccessibility Help\n\n\n')
+      '\n' +
+      'K\n' +
+      'Skip to Content\n' +
+      'my Social Security\n\n' +
+      '    Gregory A. Grothaus Sign Out \n\n' +
+      '    My Home Message Center Security Settings \n\n' +
+      'Earnings Record\n' +
+      'Overview\n' +
+      'Estimated Benefits\n' +
+      'Earnings Record\n' +
+      'Replacement Documents\n' +
+      'Social Security Statement\n\n' +
+      'Your benefits are based on your earnings. If our records are wrong ' +
+      'you may not receive all the benefits to which you\'re entitled.\n' +
+      'Review your earnings record carefully...\n' +
+      'Limits on taxable earnings for Social Security...\n' +
+      'Contact us about errors...\n' +
+      'Work Year\n\t\n' +
+      'Taxed Social Security Earnings\n\t\n' +
+      'Taxed Medicare Earnings\n' +
+      '2018 \t$100,000 \t$100,000\n' +
+      '2017 \t$90,000 \t$90,000\n' +
+      '2016 \t$80,000 \t$80,000\n' +
+      'Estimated Total Taxes Paid\n' +
+      'For Social Security\n' +
+      'Paid by you:\n' +
+      '$100,082\n' +
+      'Paid by your employers:\n' +
+      '$104,593\n' +
+      'For Medicare\n' +
+      'Paid by you:\n' +
+      '$104,437\n' +
+      'Paid by your employers:\n' +
+      '$104,437\n' +
+      'Print / Save Your Full Statement\n\n' +
+      'Get a copy of your Statement information in a convenient, ' +
+      'print-friendly format.\n' +
+      'Disclaimer\n' +
+      'Download Your Statement Data\n\n' +
+      'Save your Statement information as an XML file.\n' +
+      'How to use this file.\n\n' +
+      '    Privacy PolicyAccessibility Help\n\n\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Firefox, Linux, Full Table)", function() {
     let pasteData = (
-        'Work Year\n\t\n' +
-        'Taxed Social Security Earnings\n\t\n' +
-        'Taxed Medicare Earnings\n' +
-        '2018 \t$100,000 \t$100,000\n' +
-        '2017 \t$90,000 \t$90,000\n' +
-        '2016 \t$80,000 \t$80,000\n')
+      'Work Year\n\t\n' +
+      'Taxed Social Security Earnings\n\t\n' +
+      'Taxed Medicare Earnings\n' +
+      '2018 \t$100,000 \t$100,000\n' +
+      '2017 \t$90,000 \t$90,000\n' +
+      '2016 \t$80,000 \t$80,000\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Firefox, Linux, Table Rows)", function() {
     let pasteData = (
-        '2018 \t$100,000 \t$100,000\n' +
-        '2017 \t$90,000 \t$90,000\n' +
-        '2016 \t$80,000 \t$80,000\n')
+      '2018 \t$100,000 \t$100,000\n' +
+      '2017 \t$90,000 \t$90,000\n' +
+      '2016 \t$80,000 \t$80,000\n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format with trailing whitespace", function() {
     // User report here indicates that trailing whitespace breaks parsing:
     // http://www.early-retirement.org/forums/f28/fire-effect-on-ss-benefits-96343-3.html#post2196019
     let pasteData = (
-        'Work Year \n' +
-        'Taxed Social Security Earnings \n' +
-        'Taxed Medicare Earnings \n' +
-        '2018\t$100,000\t$100,000 \n' +
-        '2017\t$90,000\t$90,000 \n' +
-        '2016\t$80,000\t$80,000 \n')
+      'Work Year \n' +
+      'Taxed Social Security Earnings \n' +
+      'Taxed Medicare Earnings \n' +
+      '2018\t$100,000\t$100,000 \n' +
+      '2017\t$90,000\t$90,000 \n' +
+      '2016\t$80,000\t$80,000 \n');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Edge, Windows, Full Page)", function() {
     let pasteData = (
-        'K\n' +
-        'Skip to Content\n' +
-        'my Social Security\n' +
-        'Uncle Sam Sign Out \n' +
-        'My Home Message Center Security Settings \n' +
-        'Earnings Record\n' +
-        'Overview\n' +
-        'Estimated Benefits\n' +
-        'Earnings Record\n' +
-        'Replacement Documents\n' +
-        '\n' +
-        'Social Security Statement\n' +
-        'Your benefits are based on your earnings. If our records are wrong ' +
-        'you may not receive all the benefits to which you\'re entitled. \n' +
-        'Review your earnings record carefully... \n' +
-        'Limits on taxable earnings for Social Security... \n' +
-        'Contact us about errors... \n' +
-        'Work Year \n' +
-        'Taxed Social Security Earnings \n' +
-        'Taxed Medicare Earnings \n' +
-        '2018 \n' +
-        '$100,000 \n' +
-        '$100,000 \n' +
-        '2017 \n' +
-        '$90,000 \n' +
-        '$90,000 \n' +
-        '2016 \n' +
-        '$80,000 \n' +
-        '$80,000 \n' +
-        'Estimated Total Taxes Paid\n' +
-        'For Social Security \n' +
-        'Paid by you: \n' +
-        '$000,000 \n' +
-        'Paid by your employers: \n' +
-        '$000,000 \n' +
-        'For Medicare \n' +
-        'Paid by you: \n' +
-        '$000,000 \n' +
-        'Paid by your employers: \n' +
-        '$000,000 \n' +
-        'Print / Save Your Full Statement \n' +
-        'Get a copy of your Statement information in a convenient, ' +
-        'print-friendly format. \n' +
-        'Disclaimer \n' +
-        'Download Your Statement Data \n' +
-        'Save your Statement information as an XML file. \n' +
-        'How to use this file. \n' +
-        'Privacy PolicyAccessibility Help');
+      'K\n' +
+      'Skip to Content\n' +
+      'my Social Security\n' +
+      'Uncle Sam Sign Out \n' +
+      'My Home Message Center Security Settings \n' +
+      'Earnings Record\n' +
+      'Overview\n' +
+      'Estimated Benefits\n' +
+      'Earnings Record\n' +
+      'Replacement Documents\n' +
+      '\n' +
+      'Social Security Statement\n' +
+      'Your benefits are based on your earnings. If our records are wrong ' +
+      'you may not receive all the benefits to which you\'re entitled. \n' +
+      'Review your earnings record carefully... \n' +
+      'Limits on taxable earnings for Social Security... \n' +
+      'Contact us about errors... \n' +
+      'Work Year \n' +
+      'Taxed Social Security Earnings \n' +
+      'Taxed Medicare Earnings \n' +
+      '2018 \n' +
+      '$100,000 \n' +
+      '$100,000 \n' +
+      '2017 \n' +
+      '$90,000 \n' +
+      '$90,000 \n' +
+      '2016 \n' +
+      '$80,000 \n' +
+      '$80,000 \n' +
+      'Estimated Total Taxes Paid\n' +
+      'For Social Security \n' +
+      'Paid by you: \n' +
+      '$000,000 \n' +
+      'Paid by your employers: \n' +
+      '$000,000 \n' +
+      'For Medicare \n' +
+      'Paid by you: \n' +
+      '$000,000 \n' +
+      'Paid by your employers: \n' +
+      '$000,000 \n' +
+      'Print / Save Your Full Statement \n' +
+      'Get a copy of your Statement information in a convenient, ' +
+      'print-friendly format. \n' +
+      'Disclaimer \n' +
+      'Download Your Statement Data \n' +
+      'Save your Statement information as an XML file. \n' +
+      'How to use this file. \n' +
+      'Privacy PolicyAccessibility Help');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Edge, Windows, Full Table)", function() {
     let pasteData = (
-        'Work Year \n' +
-        'Taxed Social Security Earnings \n' +
-        'Taxed Medicare Earnings \n' +
-        '2018 \n' +
-        '$100,000 \n' +
-        '$100,000 \n' +
-        '2017 \n' +
-        '$90,000 \n' +
-        '$90,000 \n' +
-        '2016 \n' +
-        '$80,000 \n' +
-        '$80,000')
+      'Work Year \n' +
+      'Taxed Social Security Earnings \n' +
+      'Taxed Medicare Earnings \n' +
+      '2018 \n' +
+      '$100,000 \n' +
+      '$100,000 \n' +
+      '2017 \n' +
+      '$90,000 \n' +
+      '$90,000 \n' +
+      '2016 \n' +
+      '$80,000 \n' +
+      '$80,000');
     parsePasteExpect(parsePaste(pasteData));
   });
   it("Parses ssa.gov format (Edge, Windows, Table Rows)", function() {
     let pasteData = (
-        '2018 \n' +
-        '$100,000 \n' +
-        '$100,000 \n' +
-        '2017 \n' +
-        '$90,000 \n' +
-        '$90,000 \n' +
-        '2016 \n' +
-        '$80,000 \n' +
-        '$80,000')
+      '2018 \n' +
+      '$100,000 \n' +
+      '$100,000 \n' +
+      '2017 \n' +
+      '$90,000 \n' +
+      '$90,000 \n' +
+      '2016 \n' +
+      '$80,000 \n' +
+      '$80,000');
     parsePasteExpect(parsePaste(pasteData));
   });
+  it("Parses ssa.gov format before medicare", function() {
+    let pasteData = (
+      '1966\t$2,966\t$2,966\n' +
+      '1965\t$2,965\tMedicare Began in 1966\n' +
+      '1964\t$2,964\n' +
+      '1963\t$2,963');
+    const parsed = parsePaste(pasteData);
+    expect(parsed.length).toBe(4);
+    expect(parsed[0].year).toBe(1963);
+    expect(parsed[0].taxedEarnings).toBe(2963);
+    expect(parsed[1].year).toBe(1964);
+    expect(parsed[1].taxedEarnings).toBe(2964);
+    expect(parsed[2].year).toBe(1965);
+    expect(parsed[2].taxedEarnings).toBe(2965);
+    expect(parsed[3].year).toBe(1966);
+    expect(parsed[3].taxedEarnings).toBe(2966);
+  });
 });