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News Update from Social Security
By TROY HOLTZCLAW
Social Security
Field Representative
in Chattooga County
Some people in Summerville
think they must retire com
pletely to get monthly social
security checks. They don’t
realize some or all of their
benefits may be payable even
though they continue to work.
In 1977, beneficiaries under
72 can earn up to $3,000 and
be eligible for all benefits
during the year. Above $3,000,
payments are reduced only $1
for every $2 earned. (If you’re
over 72, forget the limit and
earn as much as you want!)
To see how this works, let’s
take the case of John H. who
retired last year and gets $3lO
a month ($3,720 a year). In
January 1977, John went back
to work and earned S7OO a
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month ($8,400 for the year).
Since he will lose $1 in benefits
for each $2 earned over the
$3,000, John can still collect
$1,020 from social security in
1977.
There’s another rule that
helps people who work and
earn most of their money in a
shorter period of time: For any
month they neither earn over
$250 wages nor perform
“substantial services” in
self-employment, a full benefit
check can be paid, no matter
how much is earned the rest of
the year.
Assume John earned his
$8,400 at a rate of $1,400 a
month for 6 months and did
not work the rest of 1977. In
this situation, social security
would pay him a total of
$1,860 in benefits for those 6
non-work months. This is SB4O
more than if he had worked all
year.
Social security will, of
course, look at both your total
yearly earnings as well as your
monthly earnings if you earn
over $3,000 in 1977.
Whichever method gives you
the most benefits will be used.
Only gross wages as an
employee and net earnings as a
self-employed person count
against benefits. You do not
have to count income from
savings, dividends, pensions,
investments, sale of assets, or
other sources. Rental income
counts only if you’re a real
estate dealer or you materially
participate in the operation or
management of a farm you
rent out.
If you’re self-employed and
earn over $3,000 for the year,
benefits are payable for any
month you don t perform
“substantial services.” In
general, if you work more than
45 hours in a month in your
business, your services are
considered substantial. Work of
between 15 and 45 hours a
month may be “substantial”
depending on the situation.
You can get more information
about rules for the
self-employed at any social
security office.
If you are receiving social
security benefits, there are
several tips to keep in mind:
* If you think you’ll earn
more this year than originally
planned, contact social security
right away so you won’t
receive money that will have to
be paid back.
* If you have dependents
also getting checks, keep in
mind that your earnings may
New Library Books
New books available
through the Chattooga County
Library this week include:
John Muir’s Wild America
by Tom Melham
In 1867, naturalist John
Muir began the first of his long
rambles through America’s
wild lands. Born in Scotland in
1838, Muir emigrated to
America in 1849. At age 29, he
made a monumental decision,
to devote his life to nature and
wilderness. Alone and on foot,
he wandered America’s forests,
mountains, valleys and
affect both your benefits and
theirs. (Earnings of a
dependent or survivor,
however, will affect only that
person’s checks.)
If you have any questions
about how much you can earn
and still get benefits, the
people at any social security
office will be glad to answer
them. They have free leaflets
that provide further details.
meadows, filling his notebooks
with sketches and descriptions
of the plants, animals, and
trees that he loved.
In this book the author, and
photographer Farrell Grehan,
takes you along the paths Muir
traveled. Retrace Muir’s first
long walk, a tramp.through the
dense forests and misty ridges
of the Appalachian Mountains;
then continue south to explore
the shadowy swamplands of
Georgia and the lush wildlife of
Florida.
Practical Flower Arranging
by Jean Taylor
Flower arranging equipment
doesn’t have to be elaborate,
but it must be adequate, and
the author takes you through
the tools, the mechanics, the
containers, and the bases which
are part of the flower ar
ranger’s stock in trade. She
tells you how and when to cut
garden flowers, prepare them
for arrangement, and what are
good and bad buys in florists’
flowers.
The Summerville News, Thurs., Sept. 29, 1977
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Pals Visit The News^^
Greg Espy (top photo, right), plant supervisor at The
Summerville News, looks as though he is having
second thoughts about hugging Mr. Meeko, the
monkey. Mr. Meeko’s trainer and owner. Al Szasz,
looks on. Szasz (bottom photo) later gets a friendly
kiss from Vic the Bruser. Szasz, who operates Al’s
Pals from Gerald, Mo., stopped by The News Friday
afternoon before going to the Summerville Junior
High School where he and his animals entertained the
students. They also appeared at the Lyerly Elemen
tary School on Friday.
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Ride with Stacy and Camille as
they share a new lifestyle... in the most
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Turtle Reteawig presents 3 film by Scott Ottrich FRf F WHf EI IN starring Stacy Pinite and Camille Damn
produced and directed by Scott CMtrch • executive prndui w Oame l B Rosenthal ,/^x
screenplay by George Van Noy •photography by Pal Damn *10(010' Q ((MIM MIMMCES ^•7^
FRIDAY AND SATURDAY
SEPTEMBER 30-OCTOBER 1
TOOGA THEATRE
9-B