Evening star., 1939-10-31
Full Security
Insurance. Follows
40 Quarters Of Work
Illustrations Clarity
Employment Provisions
Of Social Act

Epery one Dho has a social
security account number should
kno,D hoW the changes made By
the last Congress In the old-age
insurance provisions OF the So
cial Security Act apply to him.
For the benefit of the readers OF
The Star, the District field Office
OF the Social Security Board has
prepared a series of brief articles.
each explaining one point OF the
ne1D provisions. FOLLOWING is the
fourteenth OF this series.
A "fully insured" worker under
old-age insurance provisions of the
amended Social Security Act is,
generally speaking, one who has
worked in covered employment not
less than half the time after 1896
Cor after his 21st birthday If that
is later, and before he reaches IS
or dies. After a worker has 40
quarters of coverage he is fully
insured" regardless of his employ
ment or lack of employment there
after. The. minimum period neces-
sary to be fully insured is six
quarters in covered employment.
For example: Miss Fair, who be-
gan working in store at the age of
20 In 1887, continues to hold her job
in the store until she Is 81, then she
marries and never works in covered
employment again. She Is fully in
Sured because over a period of 10
years or more she worked in covered
employment for at least 40 calendar
quarters.
Here is another illustration: Tom
Jones, who is now 63 years old, has
worked in a mill off and on for
several years. He continues to work
part time in the mill until August,
1941, at which time he dies. Accord
ing to the amended law, in order to
be fully insured he must have
worked in covered employment for
a period approximately half the
time after 1896 and before he dies.
Counting four calendar quarters in
1887, four quarters in 1898, four
quarters in 1899, four quarters in
1910, and two quarters in 1941, gives
total of 18 quarters in which he
could have been covered by the act.
II his wage record shows that Tom
Wa employed in q mill after 1886
during any nine calendar quarters
(half of l8), he will be considered
fully insured"
A currently insured" person is
one who has worked In covered en-
ployment for at least half the
quarters during the three years prior
to his death. For example: Sup
pose Joe Black works in covered
employment for six calendar quar-
ters during 1889, 1910 and l941: then
he dies early in 1912 He would be
considered currently insured because
he worked 6 Of the last IL quarters
Immediately preceding the quarter
in which he died. But Joe would
not be fully insured" not having
worked in covered employment
during half of the quarters that
elapsed after 1896 and before his
death. If Joe leaves q widow with
little children, they will be paid
monthly benefits, or il he leaves
young children who are motherless
they will receive monthly benefits
A currently insured worker Is one who
dies before becoming fully insured
The only person who can receive
monthly benefits following the death
Of d currently insured worker is the
widow with dependent children in
her care, or a dependent child under
age Is (18 if in school.
Any Of the benefits available
under old-age and survivors insur-
ance system may be payable (be-
ginning January l, 1940) with
respect to fully insured worker
The workers own monthly retire.
ment benefit with supplementary
monthly benefits for his aged wife
or dependent children will be pay
able to a fully insured worker.
Monthly benefits will be payable to
the following survivors of fully
insured worker: An aged widow, q
younger widow with dependent chill
dren in her care, and the dependent
children themselves; or If there is
no widow or children entitled to
benefits, aged dependent parents.
A lump-sum death benefit, If there
is no survivor entitled to monthly
benefits, will be payable with respect
to either the fullv insured worker or
the currently insured worker.
For further information, call
or write Victor Sadd, manager,
Washington Field Office, Bureau
of Old Age and SurDiDor I71sur-
ance, Room COZ, Bond Building.
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