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THE YANCEY RECORD,
JANUARY 13, 1972
MITCHELL LEDGER
PAGE 7
Social
Security
Answers
By Jack Britt
Field Representative
Q. How doe* one file a
claim for a hospital stay
under Medicare?
A. At the time of your
hospital admittance, you
will be asked to show your
Medicare card and sign the
hospital claim form. The
hospital will then file the
claim for you.
Q. I receive a widow %
pension horn civil service.
I have worked for many
years and plan to retire next
February when I am 62. Will
my widow's pension have
any effect on my Social Se
curity?
A. None at all. Non
work income from savings,
investments, pensions, and
insurance do not count
allowable earnings. How
ever, total wages from work
as an employee and all net
earnings from self-employ -
meat must be added together
in figuring your earnings for
the year.
Q. I started getting So
cial Securfty when I was 65.
My wife will soon be 62.
Pve been told that her check
will be one-half as much as
mine. Is that true?
A. No. A wife who ap
plied before age 65 gets less
than one-half the amount
of her husband’s benefit.
If, for example, her hus
band s benefit was sloo,she
would get SSO if she applied
for her payment at age 65;
but if she applied by age 62,
her benefit would be reduced
by 2596 to $37.50.
Q. I am receiving dis -
ability benefits. My wife
and 7 children also receive
monthly checks. A friend,
also disabled, is getting as
much for himself, wife,and
two children as I get. Why
aren't my payments more
due to the larger family?
A. The law provides
total monthly payments not
to exceed a family maxi -
mum. This maximum dif
fers in each family accor -
ding to the amount of money
the worker had eamed.Since
the maximum amount can
not be exceeded no matter
how large the family, it is
possible for a situation to
exist such as you describe.
Q. Next year I'll be 62.
If I retire then, how much
will I collect horn social
security?
A. Talk to the people
at the social security office
to get an approximation of
the dollar amount of your
monthly benefits. The ear
lier you retire, fee less you
get. Your basic retirement
benefit is figured on your
average earnings covered by
social security up to age 65.
If you elect to retire as soon
as you are 62, your bene
fits would be 20 percent less
than the amount you could
expect at 65. The benefits
are reduced 5/9 of one per
cent for each month before
you're 65.
By fee way, if you de
cide next year—or anytime
before age 65—to retire,
don't drop any prSvate
health insurance you may
have. Medicare health
insurance is not tied to re
tirement benefits. You must
be 65 or over to be eligible
for Medicare.
Q. I never married, and
I support my parents because
they have no income of their
own. I have worked under
social security since I was
18. If I died, could my
parents collect monthly
social security benefits on
my work record?
A. Yes, they would be
eligible for monthly cash
benefits at age 62 or later,
if, at fee time of yourdeafe,
you still provide at least
half their support. But,
they must apply for benefits
and be able to prove the i r
dependency on you within
two years of your death.
In addition to survivors
benefits, your parents also
would be eligible for Medi
care health insurance at age
65.