-Social Security

r _ V - . ^ Shore |\^nsing and convalescent center «• CAPE MAY COUNTY'S NEWEST SKILLED NURSING CARE FACILITY HAS... ■ 24-hour skilled nursing care under the supervision of a medical director. ■ Physical, occupational & speech therapies. ■ A full range of social & recreational activities. ■ Licensed by the New Jersey Department of Health. Locted on R». 9, Exit 13 off the Garden State Parkway. S^Se^irsing and convalescent center » Rural Delivery #3, Box 232D Cape May Court House, N.J. 08210 609-465-2260 ^ i# Qra qde \ffi-cWoo ds sgB£aaaaagags Cape May County's Newest Mobile Home Park Rt. 9, Rio Grande, N.J. W7* J:. ' I super SALE ! END OF SEASON SALE ON OUR NEW MOBILE HOMES IN STOCK Sale prices start at $29,900. Savings up to $4,000 on other Sample Homes. GRANDE WOODS MOBILF HOME PARK features the following amenities: ■ All underground utilities-central sewer and water, natural gas, electric, telephone. ■ Cable television. ■ 5 minutes from Wildwood's beaches. ■ Paved streets with rolled curbing ■ 32'x64' Swimming Pool While visiting Grande Woods, be sure to ask Bob Miller about our fine selection of used mobile homes. /' ,

Social Security Questions and Answers

Q. I THINK a wrong decision was made on whether my self-employment income counts for Social Security. Do I have a right to review the guidelines on which the decision was based1 A. Yes. Any Social" Security office has a copy of the law. regulations, claims manuals, and other materials you can look at. Q. If another government | agency asks for my Social Security number, do I have the right to know why it's requested? A. Yes. Any federal, state, or local government agency that asks you for the number must explain whether it is mandatory or voluntary, under what authority the number is being requested, and what uses will be made of it. Q. I'VE JUST started a small business and will soon have to hire my first i employe. What information ' should I get from him? A. Ask to see your new ! employe's Social Security ? card. Record the name and j Social Security number exactly as they are shown on the card. Don't rely merely on the employe's memory. In addition, always recOnThlt Cfjher home address. If youf employe has never hadycard or has lost si it, hrWshe should get in N*o«Ch with any Social Security office to apply for ; one. Q. WHAT should be done with a person's Social Security benefit check after he or she dies? A. Social Security ■J benefits may not be paid for the month death occurs. Thus, for example, if a per- i son dies in July, the check dated August (which is the ! benefit payment for July) should be returned, unless < the check is made out joint- i ly to a husband and wife. i In that case, the survivor « should ask at a Social f Security office whether to cash the check. If the deceased's checks are be- I ing deposited directly in a i financial institution, the I financial institution also 1 should be notified as soon as possible. Q. I employ a gardener one day a week. Do I have to deduct Social Security taxes from his wages? A. If you pay a household worker $50 or more in cash wages during a threemonth calendar quarter, you must dedict Social Security taxes and report the wages. You must count any cash you pay to cover the cost of bus fare, meals, or a room. IF YOU DON'T report

the wages on time you may have to pay a penalty in addition to the overdue taxes. A calendar quarter is a three-month period that ends on March 31, June 30, Sept. 30, or Dec. 31. Remember, even if wages " average only $4 a week, they would add up to at least $50 for the quarter. Q. Are there time limits for submitting Medicare medical insurance claims" A. Yes, there are some time limits for submitting medical insurance claims. For medical insurance to make payment on your claims, you must send in your claims within these time limits, but you always have at least 15 months to submit claims. Q. A BANK refused to open an account for me unless I gave them my Social Security number. Is this legal? A. Yes. Your Social Security number is also used for federal tax purposes. In addition, some nongovernment organizations also use Social Security numbers for recordkeeping purposes. Such use is neither required nor pro' hibited by federal law, and, the organization is not obligated to provide you, service if you do not give your Social Security number. Knowing your number, however, does not mean an organization can get any personal information from your Social Security record. Q. I believe some information in my Social Security record is incorrect and want it changed. How can I go about this? A. Contact any Social Security office. You can review the information in question and correct it if it wrong. If a medical report is involved, there are special procedures to Q. MY VISION is very bad. and I think I may be i able to get SSI benefits on the basis of blindness. is the definition of |

blindness for SSI eligibility? A. The definition of blindness for SSI purposes is: vision no better than 20/200, or limited visual field of 20 degrees or less with the best corrective eyeglasses. Q. 1 would like to take in a foster child, but I get SSI payment. Would the foster care payments count as income to me? A. No. Foster care payments for a child who is not getting SSI do not count in determining the amount of your income. Q. MY WIFE is covered by Medicare. Recently she had a stroke and now has difficulty speaking. „WilI Medicare help pay for outpatient speech therapy once she leaves the hospital? A. Yes, your wife may receive this therapy under Medicare medical insurance. However, certain deductibles apply, and there is a yearly maximum amount payable for this therapy. Q. My doctor has advised me to get a flu shot this year. Will Medicare pay for this vaccine? A. No. Medicare medical insurance cannot pay for immunizations (except penumococcal vaccinations of those required because of an injury or immediate risk of infection). Bloodmobile Visits Set COURT HOUSE - Scheduled bloodmobile visits for the month r of November have been announced by the Cape May County Chapter, American Red Cross. They are: American Legion Post 184, 4200 Atlantic Ave. Wildwood, 2-7 p.m. Monday, Nov. 5; Ocean City Youth Center and Atlantic Avenue, Ocean City, 2-7 p.m. Wednesday, Nov. 14.

— — ^ Lower Township O RESCUE SQUAD EMERGENCY PHONE 886-5102 BUSINESS PHONE 886-2552

fSENIOR CITIZENS.. .we care for you * - -^^^5don't LET 'OLD MAN TIME' TAKE AWAY YOUR EYES \» i)SEE THE EYE DOCTOR DR. MARK PETRELLI 324 town bank rd„ town bank 886-2039 senior citizen specials