Social Security and You

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Social Security and You

Fri, 07/03/2020 - 14:06
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My wife and I have been doing a little downsizing lately. One thing we decided we can live without is the rather large collection of books we’ve accumulated over the past 46 years. We are donating most of them to our local library. But as I looked through the old books, I reread one of them, and it struck a chord with me. It’s an autobiography by former New York Times columnist Russell Baker called “Growing Up.”

In it, Baker tells the story of what it was like to grow up in the 1920s and 1930s. For most of us, the Great Depression is the stuff of history books and hard luck stories revealed in an occasional documentary about the era. But Baker lived one of those stories and writes eloquently about his life and those times.

His book brings the era into focus for people whose vision of history has been blurred by the good life. For me, it also illustrates the reason why we have and need a Social Security system in this country.

Many people have attempted to explain to me that America would be better off without Social Security. They point out that this nation was founded on the principles of personal freedom and that our pioneer spirit encourages people to make it on their own without government interference. As one recent letter writer told me, “If people could make it on their own in the good old days before we had Social Security, they ought to be able to make it on their own now without the government’s help!”

The problem with that argument, of course, is that many people were not “making it” before Social Security came into existence. And those “good old days” were very bad for very many people.

In his book, Baker describes the period just after his father’s death. His father left a widow and three small children, including Russell, who was then about 10. Russell’s youngest sister, Audrey, was 18 months old.

His newly widowed mother decided to leave their home in Virginia to move in with relatives in New Jersey. Immediately following the funeral, she had many tough decisions to make. One of them was giving up Audrey!

“The giving up of Audrey was done in a time of shock and depression for my mother,” Baker writes. “When the undertaker was paid, she was left with a few dollars of insurance money, a worthless Model T, several chairs, a table to eat from, a couple of mail-order beds, a crib, three small children, no way to earn a living, and no prospects for the future.”

A few days later, Baker’s Uncle Tom and Aunt Goldie arrived to pick up his little sister. “My mother helped them carry out the crib and boxes packed with baby clothes. When the car was loaded, my mother bundled Audrey into blankets, carried her outside, handed her to Aunt Goldie, and kissed her goodbye forever!”

That scene struck a nerve with me because my father also died when I was young. Like Baker’s father, he left a widow and small children. Also like Baker’s family, my mother was left with a little insurance, a few pieces of furniture and an old car.

But unlike the Bakers, we had brighter prospects for the future because my father left behind something else: Social Security survivors insurance.

My mother, brothers, sister and me each received a monthly check from Social Security based on my father’s earnings. My siblings and I were able to receive benefits up to the age of 22 if we stayed in school. And my mother received checks until my youngest brother turned 18. (The laws have changed slightly since I was a beneficiary. Today, benefits to children are generally cut off at age 18, and a widowed mother’s checks stop when the youngest child turns 16.)

Survivors benefits are a very important part of Social Security. They have been paid since 1940. Yet even today, many young workers are not aware of this protection they are guaranteed through their Social Security tax deductions.

Most young people complain about the amount of Social Security taxes they pay. But I think if they really consider why our society provides a comprehensive Social Security program, they might be more inclined to accept Social Security taxes so that no other young widowed mother has to give up her little Audrey and “kiss her goodbye forever.”

And here are a couple of postscripts to what I just wrote. I emailed a draft copy of this column to one of the Social Security bashers — the guy who said that if people could make it on their own before Social Security came along, they should be able to do the same today. I thought it might touch a nerve. Gosh, was I mistaken. It struck a nerve all right, but it was his anti-government/anti-Social Security nerve. He just doubled down on his arguments. Here is what he wrote — in part. (His rant went on for more than a page!)

“It’s the namby-pamby liberals like Baker (and all other NY Times columnists) and you who have ruined this country. Russell’s father should have provided for his family, and your father should have provided for you. We don’t need the government to make up for slackers like your fathers. And don’t even get my started on widow’s benefits. These women should work and take care of themselves and not expect the government to show up each month with a widow’s dole!”

My goodness! I sure am glad I don’t live in that guy’s world.

What a cold and uncaring and empathy-starved place it must be! Maybe I should have pointed out to him that Russell Baker’s mom spent many years cleaning floors in tenement houses to help take care of her family. And my mom worked all her life to help pay the rent and put food on our table. Oh, well!

I also wanted to point out that someone reading this column might conclude that Social Security is unique to the United States. Just the opposite is true.

The idea of Social Security is a worldwide phenomenon. Almost every country on the planet has a Social Security system in place for its citizens. And almost every one of those programs provides survivors benefits to widows, widowers and minor children. It’s just too bad our program came along too late to help Russell Baker’s mother and her children.

If you have a Social Security question, Tom Margenau has the answer. Contact him at thomas.margenau@comcast.net.

To find out more about Tom Margenau and to read past columns and see features from other Creators Syndicate writers and cartoonists, visit the Creators Syndicate website at www.creators.com.