Social Security —

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Waiting To Apply Can Cost

People who delay applying for Social Security retirement or survivor benefits for some time after they become eligible may miss out on some cbeikii^a Social — 'Social Security Questions and Answers / Q. JUST HOW much can *" I earn a year without losing all of my Social Security checks? A. It depends on the amount of your^ check and your age. If you' are 65 and get a monthly check of $400. for example, you cqpld earn $16,560 before all your benefits are withheld. Q. I have heard that Social Security taxes have been used to pay for military expenses It this true? A. No. Social Security funds can be used only to pay benefits and administrative expenses directly related to the Social Security program. Q. When you speak about administration expenses, to what does this amount? A. Expenses for the administration of the retirement, survivor, and disability programs, amount to about 1 .3 percent of expenditures. Q. Am I required to answer all questions on my application for Social Security checks? A. No, but refusal to answer certain questions could affect your right to or the amount of your benefit. t 1

Security representative said recently. This is because the number of months for . which back payments can be made is limited. IN GENERAL, people who apply for retirement or survivor benefits after they reach 65 can get back benefits for up to six months before the month they apply, but not before the month of their 65th birthday. People who apply for reduced benefits before 65 generally cannot get benefits for any month before the month they apply. People who apply for benefits because they are disabled Workers, .adult children, widows, and widowers can get benefits for up to 12 months before the month they apply if they are eligible in all other ways. PEOPLE CAN save time when they do apply for benefits if they have the necessary documents ready, the spokesperson said. - This includes the pierson's Social Security card or record of the number, birth or baptismal certificate, W-2 forms or selfemployment tax returns for the past two years and mar-

riage and death certificates, if appropriate. More information about applying for benefits can be obtained at any Social Security office. The people there can suggest other documents if those listed are not available. The phone number of the Wildwood office is-800-272-1111.

Doru Word CLEANING UP — Ellen Wagner of Wildwood Crest dressed up like this for a Halloween party held last week by the Cape May Seniors' Club at Victorian Towers in Cape May.

'• 1 . . attention! Social Security Recipients HERE'S HOW YOU CAN HELP SAVE THE SOCIAL SECURITY FUND MILUONS OF - DOLLARS A YEAR!

Just by joining other Social Security Recipients in the use of DIRECT DEPOSIT, will save the Social Security Fund millions of dollars a year And those savings would remain available for future payments. DIRECT DESPOSIT at Cape May County Savings & Loan eliminates the danger of someone stealing your check rt delivered by mail. It's certainly more convenient for you. .

because your money goes straight in to your account, automatically. And it's one thing you can do to help insure continuing Social Security payments Come to Cape May County Savings & Loan and ask for DIRECT DEPOSIT. / / ■four security is our security,',

EZ5S I u Cape May County Savings & Loan Association * WelnOmce: Z2S N St Cw Couff House 44S-S400 MS-M00 V Open.ng soon R» S and 47 R« G'koOe City -