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The Project Gutenberg eBook of Security in Your Old Age
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Title: Security in Your Old Age
Author: United States. Social Security Board
Release date: August 1, 2005 [eBook #8666]
Most recently updated: April 4, 2014
Language: English
Other information and formats: www.gutenberg.org/ebooks/8666
Credits: Produced by an anonymous Project Gutenberg volunteer.
*** START OF THE PROJECT GUTENBERG EBOOK SECURITY IN
YOUR OLD AGE ***
[Note: According to the Social Security Administration website, this
pamphlet was published in 1936.]
This eBook is for the use of anyone anywhere in the United States and most
other parts of the world at no cost and with almost no restrictions
whatsoever. You may copy it, give it away or re-use it under the terms of
the Project Gutenberg License included with this eBook or online at
www.gutenberg.org. If you are not located in the United States, you will
have to check the laws of the country where you are located before using
this eBook.
Title: Security in Your Old Age
Author: United States. Social Security Board
Release date: August 1, 2005 [eBook #8666]
Most recently updated: April 4, 2014
Language: English
Other information and formats: www.gutenberg.org/ebooks/8666
Credits: Produced by an anonymous Project Gutenberg volunteer.
*** START OF THE PROJECT GUTENBERG EBOOK SECURITY IN
YOUR OLD AGE ***
[Note: According to the Social Security Administration website, this
pamphlet was published in 1936.]
Page 4
Security in Your Old Age
Social Security Board
Washington, D.C.
To Employees of Industrial
and Business Establishments
Social Security Board
Washington, D.C.
To Employees of Industrial
and Business Establishments
Page 5
FACTORIES · SHOPS · MINES · MILLS ·
STORES
OFFICES AND OTHER PLACES OF BUSINESS
Beginning November 24, 1936, the United States Government will set up a
Social Security account for you, if you are eligible. To understand your
obligations, rights, arid benefits you should read the following general
explanation.
There is now a law in this country which will give about 26 million
working people something to live on when they are old and have stopped
working. This law, which gives other benefits, too, was passed last year by
Congress and is called the Social Security Act.
Under this law the United States Government will send checks every month
to retired workers, both men and women, after they have passed their 65th
birthday and have met a few simple requirements of the law.
STORES
OFFICES AND OTHER PLACES OF BUSINESS
Beginning November 24, 1936, the United States Government will set up a
Social Security account for you, if you are eligible. To understand your
obligations, rights, arid benefits you should read the following general
explanation.
There is now a law in this country which will give about 26 million
working people something to live on when they are old and have stopped
working. This law, which gives other benefits, too, was passed last year by
Congress and is called the Social Security Act.
Under this law the United States Government will send checks every month
to retired workers, both men and women, after they have passed their 65th
birthday and have met a few simple requirements of the law.
Page 6
WHAT THIS MEANS TO YOU
This means that if you work in some factory, shop, mine, mill, J. store,
office, or almost any other kind of business or industry, you will be earning
benefits that will come to you later on. From the time you are 65 years old,
or more, and stop working, you will get a Government check every month
of your life, if you have worked some time,(one day or more) in each of any
5 years after 1936, and have earned during that time a total of $2,000 or
more.
The checks will come to you as a right. You will get them regardless of the
amount of property or income you may have. They are what the law calls
"Old-Age Benefits" under the Social Security Act. If you prefer to keep on
working after you are 65, the monthly checks from the Government will
begin coming to you whenever you decide to retire.
The Amount of Your Checks
How much you will get when you are 65 years old will depend entirely on
how much you earn in wages from your industrial or business employment
between January 1, 1937, and your 65th birthday. A man or woman who
gets good wages and has a steady job most of his or her life can get as much
as $85 a month for life after age 65. The least you can get in monthly
benefits, if you come under the law at all, is $10 a month.
IF YOU ARE NOW YOUNG
Suppose you are making $25 a week and are young enough now to go on
working for 40 years. If you make an average of $25 a week for 52 weeks
in each year, your check when you are 65 years old will be $53 a month for
the rest of your life. If you make $50 a week, you will get $74.50 a month
for the rest of you life after age 65.
IF YOU ARE NOW MIDDLE-AGED
This means that if you work in some factory, shop, mine, mill, J. store,
office, or almost any other kind of business or industry, you will be earning
benefits that will come to you later on. From the time you are 65 years old,
or more, and stop working, you will get a Government check every month
of your life, if you have worked some time,(one day or more) in each of any
5 years after 1936, and have earned during that time a total of $2,000 or
more.
The checks will come to you as a right. You will get them regardless of the
amount of property or income you may have. They are what the law calls
"Old-Age Benefits" under the Social Security Act. If you prefer to keep on
working after you are 65, the monthly checks from the Government will
begin coming to you whenever you decide to retire.
The Amount of Your Checks
How much you will get when you are 65 years old will depend entirely on
how much you earn in wages from your industrial or business employment
between January 1, 1937, and your 65th birthday. A man or woman who
gets good wages and has a steady job most of his or her life can get as much
as $85 a month for life after age 65. The least you can get in monthly
benefits, if you come under the law at all, is $10 a month.
IF YOU ARE NOW YOUNG
Suppose you are making $25 a week and are young enough now to go on
working for 40 years. If you make an average of $25 a week for 52 weeks
in each year, your check when you are 65 years old will be $53 a month for
the rest of your life. If you make $50 a week, you will get $74.50 a month
for the rest of you life after age 65.
IF YOU ARE NOW MIDDLE-AGED
Page 7
But suppose you are about 55 years old now and have 10 years to work
before you are 65. Suppose you make only $15 a week on the average.
When you stop work at age 65 you will get a check for $19 each month for
the rest of your life. If you make $25 a week for 10 years, you will get a
little over $23 a month from the Government as long as you live after your
65th birthday.
IF YOU SHOULD DIE BEFORE AGE 65
If you should die before you begin to get your monthly checks, your family
will get a payment in cash, amounting to 3½ cents on every dollar of wages
you have earned after 1936. If, for example, you should die at age 64, and if
you had earned $25 a week for 10 years before that time, your family would
receive $455. On the other hand, if you have not worked enough to get the
regular monthly checks by the time you are 65, you will get a lump sum, or
if you should die your family or estate would get a lump sum. The amount
of this, too, will be 3½ cents on every dollar of wages you earn after 1936.
before you are 65. Suppose you make only $15 a week on the average.
When you stop work at age 65 you will get a check for $19 each month for
the rest of your life. If you make $25 a week for 10 years, you will get a
little over $23 a month from the Government as long as you live after your
65th birthday.
IF YOU SHOULD DIE BEFORE AGE 65
If you should die before you begin to get your monthly checks, your family
will get a payment in cash, amounting to 3½ cents on every dollar of wages
you have earned after 1936. If, for example, you should die at age 64, and if
you had earned $25 a week for 10 years before that time, your family would
receive $455. On the other hand, if you have not worked enough to get the
regular monthly checks by the time you are 65, you will get a lump sum, or
if you should die your family or estate would get a lump sum. The amount
of this, too, will be 3½ cents on every dollar of wages you earn after 1936.
Page 8
Taxes
The same law that provides these old-age benefits for you and other
workers, sets up certain new taxes to be paid to the United States
Government. These taxes are collected by the Bureau of Internal Revenue
of the U. S. Treasury Department, and inquiries concerning them should be
addressed to that bureau. The law also creates an "Old-Age Reserve
Account" in the United States Treasury, and Congress is authorized to put
into this reserve account each year enough money to provide for the
monthly payments you and other workers are to receive when you are 65.
YOUR PART OF THE TAX
The taxes called for in this law will be paid both by your employer and by
you. For the next 3 years you will pay maybe 15 cents a week, maybe 25
cents a week, maybe 30 cents or more, according to what you earn. That is
to say, during the next 3 years, beginning January 1, 1937, you will pay 1
cent for every dollar you earn, and at the same time your employer will pay
1 cent for every dollar you earn, up to $3,000 a year. Twenty-six million
other workers and their employers will be paying at the same time.
After the first 3 years--that is to say, beginning in 1940--you will, pay, and
your employer will pay, 1½ cents for each dollar you earn, up to $3,000 a
year. This will be the tax for 3 years, and then, beginning in 1943, you will
pay 2 cents, and so will your employer, for every dollar you earn for the
next 3 years. After that, you and your employer will each pay half a cent
more for 3 years, and finally, beginning in 1949, twelve years from now,
you and your employer will each pay 3 cents on each dollar you earn, up to
$3,000 a year. That is the most you will ever pay.
YOUR EMPLOYER'S PART OF THE TAX
The Government will collect both of these taxes from your employer. Your
part of the tax will be taken out of your pay. The Government will collect
The same law that provides these old-age benefits for you and other
workers, sets up certain new taxes to be paid to the United States
Government. These taxes are collected by the Bureau of Internal Revenue
of the U. S. Treasury Department, and inquiries concerning them should be
addressed to that bureau. The law also creates an "Old-Age Reserve
Account" in the United States Treasury, and Congress is authorized to put
into this reserve account each year enough money to provide for the
monthly payments you and other workers are to receive when you are 65.
YOUR PART OF THE TAX
The taxes called for in this law will be paid both by your employer and by
you. For the next 3 years you will pay maybe 15 cents a week, maybe 25
cents a week, maybe 30 cents or more, according to what you earn. That is
to say, during the next 3 years, beginning January 1, 1937, you will pay 1
cent for every dollar you earn, and at the same time your employer will pay
1 cent for every dollar you earn, up to $3,000 a year. Twenty-six million
other workers and their employers will be paying at the same time.
After the first 3 years--that is to say, beginning in 1940--you will, pay, and
your employer will pay, 1½ cents for each dollar you earn, up to $3,000 a
year. This will be the tax for 3 years, and then, beginning in 1943, you will
pay 2 cents, and so will your employer, for every dollar you earn for the
next 3 years. After that, you and your employer will each pay half a cent
more for 3 years, and finally, beginning in 1949, twelve years from now,
you and your employer will each pay 3 cents on each dollar you earn, up to
$3,000 a year. That is the most you will ever pay.
YOUR EMPLOYER'S PART OF THE TAX
The Government will collect both of these taxes from your employer. Your
part of the tax will be taken out of your pay. The Government will collect
Page 9
from your employer an equal amount out of his own funds.
This will go on just the same if you go to work for another employer, so
long as you work in a factory, shop, mine, mill, office, store, or other such
place of business. (Wages earned in employment as farm workers, domestic
workers in private homes, Government workers, and on a few other kinds
of jobs are not subject to this tax.)
OLD-AGE RESERVE ACCOUNT
Meanwhile, the Old-Age Reserve fund in the United States Treasury is
drawing interest, and the Government guarantees it will never earn less than
3 percent. This means that 3 cents will be added to every dollar in the fund
each year.
Maybe your employer has an old-age pension plan for his employees. If so,
the Government's old-age benefit plan will not have to interfere with that.
The employer can fit his plan into the Government plan.
What you get from the Government plan will always be more than you have
paid in taxes and usually more than you can get for yourself by putting
away the same amount of money each week in some other way.
Note.--"Wages" and "employment" wherever used in the foregoing mean
wages and employment as defined in the Social Security Act.
This will go on just the same if you go to work for another employer, so
long as you work in a factory, shop, mine, mill, office, store, or other such
place of business. (Wages earned in employment as farm workers, domestic
workers in private homes, Government workers, and on a few other kinds
of jobs are not subject to this tax.)
OLD-AGE RESERVE ACCOUNT
Meanwhile, the Old-Age Reserve fund in the United States Treasury is
drawing interest, and the Government guarantees it will never earn less than
3 percent. This means that 3 cents will be added to every dollar in the fund
each year.
Maybe your employer has an old-age pension plan for his employees. If so,
the Government's old-age benefit plan will not have to interfere with that.
The employer can fit his plan into the Government plan.
What you get from the Government plan will always be more than you have
paid in taxes and usually more than you can get for yourself by putting
away the same amount of money each week in some other way.
Note.--"Wages" and "employment" wherever used in the foregoing mean
wages and employment as defined in the Social Security Act.
Page 10
WHERE TO GET MORE INFORMATION
If you want more information, write to the Social Security Board,
Washington, D.C., or get in touch with one of the following offices:
Region I--Maine, New Hampshire, Vermont, Massachusetts, Rhode Island,
and Connecticut:
Social Security Board
120 Boylston Street
Boston, Mass.
Region II--New York:
Social Security Board
45 Broadway
New York, N.Y.
Region III--New Jersey, Pennsylvania, and Delaware:
Social Security Board
Widener Building
Juniper and Chestnut Streets
Philadelphia, Pa.
Region IV--Virginia, West Virginia, North Carolina, Maryland, and District
of Columbia:
Social Security Board
National Theatre Building
Washington, D. C.
Region V--Kentucky, Ohio, and Michigan:
Social Security Board
Bulkley Building
1501 Euclid Avenue
Cleveland, Ohio
Region VI--Illinois, Indiana, and Wisconsin:
If you want more information, write to the Social Security Board,
Washington, D.C., or get in touch with one of the following offices:
Region I--Maine, New Hampshire, Vermont, Massachusetts, Rhode Island,
and Connecticut:
Social Security Board
120 Boylston Street
Boston, Mass.
Region II--New York:
Social Security Board
45 Broadway
New York, N.Y.
Region III--New Jersey, Pennsylvania, and Delaware:
Social Security Board
Widener Building
Juniper and Chestnut Streets
Philadelphia, Pa.
Region IV--Virginia, West Virginia, North Carolina, Maryland, and District
of Columbia:
Social Security Board
National Theatre Building
Washington, D. C.
Region V--Kentucky, Ohio, and Michigan:
Social Security Board
Bulkley Building
1501 Euclid Avenue
Cleveland, Ohio
Region VI--Illinois, Indiana, and Wisconsin:
Page 11
Social Security Board
211 West Wacker Drive
Chicago, 111.
Region VII--Tennessee, Mississippi, Alabama, Georgia, Florida, and South
Carolina:
Social Security Board
1829 First Avenue North
Birmingham, Ala.
Region VIII--Minnesota, North Dakota, and Nebraska:
Social Security Board
New Post Office Building
Minneapolis, Minn.
Region IX--Missouri, Kansas, Arkansas, and Oklahoma:
Social Security Board
Dierks Building
1006 Grand Avenue
Kansas City, Mo.
Region X--Louisiana, Texas, and New Mexico:
Social Security Board
Smith-Young Tower Building
San Antonio, Tex.
Region XI--Montana, Idaho, Utah, Colorado, Arizona, and Wyoming:
Social Security Board
Patterson Building
1706 Welton Street
Denver, Colo.
Region XII--California, Oregon, Washington, and Nevada:
Social Security Board
Humboldt Bank Building
785 Market Street
San Francisco, Calif.
211 West Wacker Drive
Chicago, 111.
Region VII--Tennessee, Mississippi, Alabama, Georgia, Florida, and South
Carolina:
Social Security Board
1829 First Avenue North
Birmingham, Ala.
Region VIII--Minnesota, North Dakota, and Nebraska:
Social Security Board
New Post Office Building
Minneapolis, Minn.
Region IX--Missouri, Kansas, Arkansas, and Oklahoma:
Social Security Board
Dierks Building
1006 Grand Avenue
Kansas City, Mo.
Region X--Louisiana, Texas, and New Mexico:
Social Security Board
Smith-Young Tower Building
San Antonio, Tex.
Region XI--Montana, Idaho, Utah, Colorado, Arizona, and Wyoming:
Social Security Board
Patterson Building
1706 Welton Street
Denver, Colo.
Region XII--California, Oregon, Washington, and Nevada:
Social Security Board
Humboldt Bank Building
785 Market Street
San Francisco, Calif.
Page 12
INFORMATIONAL. SERVICE CIRCULAR No. 9
U. S. GOVERNMENT PRINTING OFFICE
U. S. GOVERNMENT PRINTING OFFICE
Page 13
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YOUR OLD AGE ***
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