Social Security

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: RE-ELECT • * THE GOVERNOR ; iffiTOm KERNS: * ■ 1 _ Republican Team * JoeCHINNICI \ Assembly _ £ I C% Guy mUZIflNI : * ^ Assembly * I PI Jim KILPRTRICK \ * WraB ■ Freeholder J j From Top to Bottom Elect * * REPUBLICANS : * They Get Things Done * * For Cape May County { I m VOTE jS i * Column 2, Nov. 5 * Ordered end oo»d lor by Ihe 1985 Republicon Campaign Committee. J Molt. Treasurer ^

■SMnHL -> "AR,> AT WOKK - "rrr's a peek inside Ihe U ildwood Social Security Office.0"'"

How Divorce Affects SS

If you are divorced, financial matters can lie a major concern. This is especially true if you have dependent children or you are older and have counted on getting benefits on your

former spouse's Social Security record. As a divorced person, you should be aware of what protection Social Security can provide. In this way. you will know what to expect should you or your former spouse have a loss of income due to death, disability. or retirement. UNMARRIED children can get monthly benefits when either parent insured under Social Security dies or receives disability or retirement checks. Their payments continue to age IB 1 19 if in high school > or to any age if disabled before 22. If you are caring for a child under 16 or disabled who is getting benefits on your deceased former spouse's record, you may be eligible for checks also if your earnings are limited If you are under 65-and earn $5,400 or less in 19$5; for example, you are eligible for all benefits. IK YOU KARN over the annual exempt amount (which will increase in 1986». $1 in benefits must be • withheld for each $2 in earnings above that amount If you have no children in your care, you can get benefits on your former spouse's record if your marriage lasted at least 10 years. If he or she is alive, you can receive payments as a divorced spouse at 62 or older; you can get checks even if your former spouse has not yet retired provided you have been divorced at least 2 years. AS A DIVORCED widow or widower, payments generally can start at age 60 However, they can begin as early as 50 if you i become disabled no later than seven years after your former spouse's death or i within seven years after I you received survivors' I benefits because you had i children in your care*. i If you wish to know more I

about Social Security benefits for divorced people, contact any Social Security office. The people there will be glad to help you.

rAi.Sf:ci«Irvj ^ l <1. You have issued me a Social Security number under two different names. One of them shows my middle name and the other shows my middle initial. Which name do I use when I apply for benefits. A. Your situation is not unusual. All people who have changed their names, for example, have had two or more cards issued -to them. As in your case, there is no problem as long as the different cards show the same number Therefore, you may use either version of your name when you apply for benefits <}. I'M 58 flnnrolled in a health maintenance organization (HMO) which I like very much. Is it possible for Medicare to pay for services gotten in an HMO? A. Yes. Medicare beneficiaries may choose to have covered health insurance services furnished through an HMO. provided the HMO satisfies certain requirements The method of reimbursement for services received byMedicare beneficiaries differ from onr^-IMO to another. Therefore, considering enrolling in an HMO should ' check carefully into this feature.

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