The midland journal. (Rising Sun, Md.) 1885-1947, 1938-10-07
OLD AGE INSURANCE.

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age insurance is intended to provide
an income for working people, after
they reach the age of 65 and want
to quit work. l have been told that
monthly old-age insurance benefits
will not be paid to anyone before
1912. But l learned recently that
some people are getting old-age in
surance payments now, and that sew
eral claims for benefits have already
been paid in this county. Please ex-
plain that point.
Answer: Beginning January 1,
1912, the United States Government
will send checks every month to re-
tired workers, after they have reach
ed IS and have met certain require
ments of the Social Security Act.
But there is also provision for in
dustrial and commercial employees
who were 80 close to their 65th
birthday when the law went into
operation, that they will not have
chance to qualify for monthly old
age insurance before they reach the
age of 65. In other words, lump
sum payment will be made to a
worker who reaches the age of IS
and who has met some but not all
the qualifications for monthly bene-
fits. Another type of old-age insur-
ance payment is the death benefit
which the Federal Government will
pay to relative of worker who
dies after January /, 1887, and
whose wage record entitled him to
benefits. A death payment will be
made to relative Cor estate) of an
insured worker who dies before re-
ceiving old-age insurance benefits.
In either case the amount paid will
equal 8 " percent of the total wages
received by the worker under the
old-age insurance system.
@. If an insured worker, who has
died was less than 65 years old,
could the right heir claim payment
of old-age insurance?
A. Yes, In the case of death, a
relative Cor estate) should file claim
for accrued benefits even though the
deceased worker may have been
much younger than IS.
@. How would go about filing a
claim for the kind of old-age insur-
ance benefit that is payable now,
A. First, obtain a regular social
security claims form upon which to
write the application for lump
sum payment. In order to secure
such blanks call at the Baltimore
Social Security Board Office, or simp-
ly write to that office, and ask for
suitable forms or blanks. State the
kinship of the claimant to the de-
ceased, and give any information
you have about the latter's employ
ment since 1886.
Without cost, assistance in filling
out the forms will be given to claim
ants by someone in the field Office.
After the forms are properly made
out, the claim is then sent to Wash
ington for final adjudication and
settlement. If the claim is approved,
a check will be mailed to the claim
ant.
@. What is meant by lump-sum
payment?
A. A lump-sum payment means
that the whole amount of the benefit
is paid all at one time. The claim
ant receives the money due him in
one check; and he will not receive
any more old-age insurance money
after he gets his one lump-sum pay
ment
@. What about his wage tax?
Does the worker continue to pay
that after he is IS years old?
A. No, He does not.
@. have lost my job, which was
covered by the old-age insurance pro-
vision of the Social Security Act. l
am unable to obtain other employ
ment. Would it be possible for me
to collect old-age insurance benefits
now?
A. Unless you have reached the
age of 65, you are not eligible for a
lump-sum payment under old-age
insurance provisions of the Social
Security Act 1t may be that you are
eligible for unemployment Compen-
sation or Employment Service office.
O. In a beauty shop, where there
is only one employee, is it necessary
for the owner of the shop to make a
wage report to the Government for
that one employee?
A. Yes, Under old-age insurance
provisions of the Social Security
Act, an employer of one or more
employees in a commercial establish
ment, is subject to the law.