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Show : Ut Social Security Board Report ; Visualizes Coverage of Added Millions ; I Outlined ; L Help, ! ics ial security pro-! pro-! nation-wide under-l under-l an eight years ago ! t in its seventh an-i an-i t' the Social Secur-: Secur-: oints out that while ress has been made there are serious he program as it .'millions of people are fthe insurance features security act, other mil-More mil-More than half a mll-Lrly mll-Lrly drawing monthly -eflts amounting in all m million dollars a se are benefits paid un-lje un-lje and survivors insur- I which covers wage and kers on business or In-, In-, xhe benefits go to 's and their families .If qualifies at age 65 or 10 longer at work, or to , case of the worker's ver his age. There are, 1. 20 millions of work- MORE OLDSTERS AT WORK " (AVERAGE ACE OF MALE WORKERS) MARCH A 1940 - ft 37 9 YEARS DECEMBER R, 1942 ' t e . .. 0.5 YEARS toch leclton represent 4 yean JOBS FOR PHYSICALLY HANDICAPPED (PLACEMENTS BY PUBLIC EMPLOYMENT OFFICES) O O 0 O 0 ( . .940 ill) f 194. ISiill 1 MMUU2.0 0000 v 0000 .942 iiliHIil Eoch symbol represent! 5,000 placement Right now more old and physically handicapped people are employed than ever before. But everybody knows It's the war boom. When peace comes, these marginal workers will be dropped. Then, whether supported sup-ported by relatives or private charities, many of these people will be hard pressed to live decently. The social security board proposes to extend ex-tend the benefits of social Insurance to millions who will fall Into the overage over-age or crippled class in a few years. ' Tow excluded from old-I old-I livors insurance. I li true of unemploy-Le. unemploy-Le. Millions of people jbj the state unemploy-Lce unemploy-Lce laws, operated by Jut with administrative ty the federal govern-m govern-m one year when Jobs fc get nearly 5V4 million fwere out of work rein re-in for weeks at a time, the war boom when Jentiful, fewer than 120,-are 120,-are getting unemploy-ls unemploy-ls in any one week. The j go down even further tontinues. the war is over, millions sldlers, sailors and war 1 be looking for jobs, e entitled to unemploy-ace unemploy-ace while they are look-wlll look-wlll also be many who he Insurance payments be eligible as the laws I public assistance pro-he pro-he social security act, n needy people are re-mthly re-mthly cash payments rear amounted to more 0,000. These payments nil who do not have iive on and cannot pro-emselves pro-emselves because they I cannot work, because ad, or because they are o work and have lost a port or care. There are tillion old people and one iiren on the lists. The ier around 55,000. But r people who lack the iials of life cannot be ir the present public as-:pams as-:pams because they are 1 65, nor very young, nor P in Insurance, wis, however, according i lecurity board, are the incomings in the Insur-. Insur-. The purpose of these i to furnish some Income ! to live on when the r cannot earn wages or " wages or salary may ons other than unem-M unem-M ge, or death. If a not work because he Is sick or disabled, not only does his pay check stop but he has the extra expense of his illness. The social security board thinks we should have insurance against disability and the costs of hospital care, along with our present unemployment Insurance Insur-ance and old-age and survivors Insurance. In-surance. About 20 million workers, including includ-ing some of the lowest income groups In the country, are not covered cov-ered by the old-age and survivors insurance provisions of the social security act Most of these do not have the protection of any social insurance in-surance system. Farm workers, domestic do-mestic servants, employees of nonprofit non-profit educational, religious and charitable organizations constitute the largest groups of wage and salary sal-ary workers left out in the cold. The self-employed, such as farmers and storekeepers, are also excluded. More than 600,000 persons already are drawing monthly payments under un-der old-age and survivors insurance. Thousands more have earned rights to benefits and will be able to claim them whenever they stop regular work. The benefits go to insured workers and their families when the worker is 65 or older and is no longer long-er employed, and to the families of insured workers who die either before be-fore or after they are 65. As the law stands today, the old-age old-age and survivors insurance system covers wage and salary workers on business and industrial jobs that is, all kinds of Jobs in factories, shops, mines, mills, stores, offices, banks, hotels, restaurants, laundries, telephone tele-phone and telegraph offices, and other oth-er places of business or industry carried on by private firms, corporations, corpora-tions, or individuals. This leaves, however, a good many who are not covered, merely because of the nature na-ture of their employment. For example, ex-ample, the $10,000 executive employed em-ployed by a corporation comes under un-der the federal insurance system; the man working for himself whose income may fall below $1,000 a year is not Insured, because the present law excludes the self-employed. When a Worker Is Disabled. Every time the clock ticks off a second, five people in this country get hurt or get sick, to such an extent ex-tent that they are unable to carry on their ordinary activities for one day or longer. If the disability is slight, the worker may not lose much, but to a man dependent upon his earnings, every dollar counts. The loss is especially serious if the injury lays him up for life. Yet the big majority of workers disabled off the job have no insurance insur-ance protection nothing to make up, even in part, for the pay they lose and the extra expense they have to meet. Congress has directed the Social Security board to make recommendations for such changes in the present regulations as will provide pro-vide for insurance payments to ease the blow of these calamities. Disability insurance is one ol tne missing girders in the social Insurance Insur-ance structure we have been building build-ing In this country since 1935. Already Al-ready In place are two of the mam supports-unemployment insurance, which pays weekly benefits to in sured workers who lose their Jobs through no fault of their own and cannot get other Jobs within -a short time; and old-age and survivors insurance in-surance which pays monthly benefits to Insured workers and their families fami-lies when the worker is old and retires, re-tires, or to his family when he dies, whatever his age. The social security board believes the next step Is Insurance against disability, temporary or permanent, with provision pro-vision to cover also the costs of hospital care. The need for such a program is pointed up by the fact that of more than 3 million disabled workers between be-tween 16 and 64 years of age, nearly one million have been disabled for more than a year. Around 7 million mil-lion people are 111 on any one day In the year many of them for protracted pro-tracted periods of months and years; many with no prospect of recovery. Six Cents on the Dollar. No new governmental agency would be necessary to administer disability Insurance, and no additional addi-tional reports would be required of employers. The cost of the entire social insurance program. Including disability protection, could probably be met through a total contribution rate of 5 or 6 cents on each dollar of pay roll from employers and 5 or 6 cents on each dollar of wages from employees. The total of 10 or 12 cents on the dollar (the rate would depend on the exact benefits provided) pro-vided) instead of 9 cents which will be the figure in 1949 under the present pres-ent law would provide insurance protection against all the most important im-portant economic risks faced by all workers. American families would be assured of an income when wages of the breadwinner stop because be-cause of unemployment, old age, illness, disability, or death and would also have insurance protec-tion protec-tion against the costs of hospital care. Twenty-eight nations now provide insurance protection to their workers work-ers against temporary disability. With only one exception (Spain), the United States is the only country which provides Insurance against old age without also providing against the risks of chronic or permanent per-manent disability. "When can we best afford the additional ad-ditional cost of an expanded social insurance system?" asks Arthur J. Altmeyer, chairman of the social security se-curity board. "Now, when earnings are high and all the wheels of industry in-dustry are turning, workers and employers em-ployers can set aside the contributions contribu-tions needed to ensure future rights to benefits," he replies. "There is no way in which increased earnings could be better invested, from the standpoint of either the family or the nation. For the family which actually meets with disaster-sickness, unemployment chronic disability, dis-ability, or death-insurance benefits rive a far greater protection than could have been obtained if the worker's insurance contributions had been kept as his individual saving sav-ing In any period of recession Z money now saved would be paid at a time when it is most needed and to those who most need it worker loses his income JM or Injury, he ten-" ten-" to support his fam-"ter fam-"ter he is unemployed. ' must meet heavy 2- his savings are i Z, m wi,e and cWi- Jten srjffer privations. J purity board recom- , "eiaws be amended to 'case,. |