Herald & Lantern 23 September 81

31

USINESS & PROFESSION* Hfralfe DIRECTORY —LAirrEBN

CRAFTS BY i JAN A JULE Mi-2733 NOW TV OFFERING CONSIGNMENT KRAFT IRSTVBCT1MS Senior CHinns Dscount Dehinti Ave., Woodbine

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Before any Social Security benefits can be paid, a worker must have enough credit for work covered by Social Security to be insured, Delton Brooks, Social Security manager in Wildwood, said recently. . Social Security credits are measured in units called "quarters of coverage.” Both wage earners and self-employed people earn these credits based on their

Earnings Determine SS Credits

total annual earnings. A WAGE EARNERS earnings are generally covered from the first dollar, earned during the year up to the maximum that counts for Social Security. $29,700 in 1981. A self-employed person’s earnings are covered, however, only if his or her

net earnings amount to $400 or more.If net gamings are at least $400, then total earnings are covered up lo the Social Security maximum. In 1981, a person earns one quarter of coverage for each $310 of covered annual earnings. If 1961 annual earnings amount to $1,240 or more, the person cams

four quarters of coverage. No more than four quarters can lie earned in a year. THE AMOUNT OF covered earnings needed for a quarter of coverage will increase automatically each year to keep pace with increases in average wage

levels.

The general rUlc is that'

to be insured a person needs one quarter of* coverage for each year after 1950, or after the year a person reaches age 22. if later, up to'the year he or she reaches 62, becomes disabled, or dies For Example. a person reaching 62 in 1981 needs 30 quarters of coverage to be insured

for retirement benefits No one evef needs more than 40 quarters to he insured And, a person cannot be insured with fewer than six ? quarter; More information about Social Security credits can he obtained at the Wildwood Social Security Office. A free leaflet, “How you earn Social Security credits." is available there