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People planning ahead for theii retirement should be aware that social security was never intended to offer a complete retirement income, Bruce A. Hundley social security manager in Culpeper said recently.
Social security benefits provide a partial replacementof earned income lost or reduced because of the retirment. disability, or death of a worker. Some pension experts estimate that retirement income should be 60 to 70 per cent of pre-retirement earnings in order for a retiree to maintain a standard of living similar to that before retirement.
Social security benfits generally provide 25 to 60 per cent of pre-retirement earnings, depending on the individual’s earnings over the years. With an eligible husband /or wife, benefits would be 37'/i to 90 per cent of the worker’s previous earnings.
People can supplement social security retirement benfits with income from company pensions, insurance annuities, savings, stocks and bonds, individual retirement plans, or other investments.
The important thing for a worker to remember. Hundley said, is that social security is not the total answer. It is a base upon which each worker should build his or her retirement plans.
More information about social security retirement benfits. as well as about disability and survivor benefits, can be obtained at '«the Culpeper social security office. There are many free publications describing social security benefits and copies can be obtained at the office, located at 522 Culpeper Shopping Center. The telephone number is 8253500.
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