By: Vonda VanTil, Social Security Public Affairs Specialist

Summer will be here before we know it. That means millions of high school and college students will be searching for jobs. Whether a new worker is beginning the career of a lifetime or just earning some extra money for the next school year, there is one question that is likely to be on each new worker’s mind when they see their first pay stub: Where’s the rest of my money?

Some of the money that is withheld is referred to as “Social Security taxes” on the employee’s payroll statement. Sometimes the deduction is labeled as “FICA taxes,” which stands for Federal Insurance Contributions Act. So let us tell you how that money is being used, and what’s in it for you.

The taxes paid now translate to a lifetime of protection, when you eventually retire or if you become disabled. In the event that you die young, your dependent children and spouse may be able to receive survivors benefits based on your work.

Another bit of helpful advice for young workers: be wary if you’re offered a job “under the table” or “off the books.” If you work for any employer who pays you only in cash, understand that you’re likely not getting Social Security credit for the work you’re doing.

Want to learn more about Social Security and what it means to young workers? If so, we invite you to enjoy a webcast: Social Security 101: What’s In It For Me? The webcast will fill you in on the details you should know to get the most out of Social Security. Check it out at www.socialsecurity.gov/webinars/social_security_101.html.

If you have questions about Social Security, the best place to go is online — to www.socialsecurity.gov.

Vonda VanTil is the public affairs specialist for West Michigan.  You can write her c/o Social Security Administration, 3045 Knapp St NE, Grand Rapids MI 49525 or via email at vonda.vantil@ssa.gov  

Baby Boomers: apply online for Medicare

By: Vonda VanTil, Social Security Public Affairs Specialist

This January marks a historic moment: our Nation’s first baby boomers are turning 65.
For many baby boomers, it is time to hit the computer.  Even if you have decided to wait until after you are age 65 to apply for retirement benefits, most people should start getting Medicare coverage at age 65.
If you would like to begin your Medicare coverage when you first become eligible, it’s important that you apply within three months of reaching age 65. Don’t worry about the time and effort it will take to apply for Medicare — it’s fast and easy! You can do it online at www.socialsecurity.gov/medicareonly in as little as 10 minutes.
Why apply online for Medicare? Because it’s fast, easy, and secure. You don’t need an appointment and you can avoid waiting in traffic or in line.  As long as you have ten minutes to spare, you have time to complete and submit your online Medicare application.
People who started receiving Social Security retirement or disability benefits before age 65 do not need to apply; they will be automatically enrolled in Medicare.
To learn more about Medicare benefits, visit www.Medicare.gov.
To learn more about Medicare and the online application, visit www.socialsecurity.gov/medicareonly.  While you’re there, take a look at the Patty Duke Show reunion video as they talk about turkey, pie, and Medicare online.
Happy birthday to all the baby boomers turning 65 in 2011!
Vonda VanTil is the public affairs specialist for West Michigan.  You can write her c/o Social Security Administration, 50 College SE, Grand Rapids MI 49503 or via email at vonda.vantil@ssa.gov