Also have a client that did not sign up when he was supposed to... He thought it was some type of welfare program, he was an immigrant from Europe... I told his wife of course that it wasn't a welfare program and that he should sign up because he paid into the system and he is entitled to it... He did and he received the back checks, I can't remember if COLA was included, but I would imagine it would be because the payments were probably automatically generated from the computer system, but I'm not sure...