If there are current or future covered earnings on a record, in order to accurately account for the ensuing re-computation of benefits, we must have the actual—rather than inferred—past covered earnings.

For this reason, each of these mutually exclusive options disallows the other. If you use your current or estimated retirement benefit, you will not be able to enter future covered earnings. And if you first enter future covered earnings, you will not then be able to use your benefit estimate or current amount.