The subject matter in this communication is educational only and is not endorsed or reviewed by the Social Security Administration, the Centers for Medicare & Medicaid Services, or any other governmental agency. For more information, contact Social Security and/or Medicare directly. Principal® is not rendering legal, accounting, investment or tax advice. You should consult with appropriate counsel, financial professionals, and other advisors on all matters pertaining to legal, tax, investment or accounting obligations and requirements.

Insurance products issued by Principal National Life Insurance Company (except in NY) and Principal Life Insurance Company®. Plan administrative services offered by Principal Life. Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Securities offered through Principal Securities, Inc., member SIPC and/or independent broker/dealers. Referenced companies are members of the Principal Financial Group®, Des Moines, Iowa 50392.

Principal Asset ManagementSM leads global asset management and is a member of the Principal Financial Group®.

Principal®, Principal Financial Group®, Principal Asset Management℠, and Principal and the logomark design are registered trademarks of Principal Financial Services, Inc., a Principal Financial Group company, in the United States and are trademarks and service marks of Principal Financial Services, Inc., in various countries around the world.

© 2024 Principal Financial Services, Inc.

PT1178 | 3872808-102204 | 10/2024