The Press-Dispatch
Issue link: https://www.ifoldsflip.com/i/1196046
A-6 Local Wednesday, December 25, 2019 The Press-Dispatch Social Security Matters How can you change Social Security's earnings limit? MANY MORE STOREWIDE CLOSE-OUTS! La-z-Boy Reclining Sofas All Wood Bedroom Suits CLOSED OUT Twin Headboards End Tables & Cocktail Tables Queen Sets Restonic Bedding Selection of Lamps & Pictures $ 799 La-z-Boy Recliners $ 399 $ 99 $ 99 $ 599 $ 45 each 2 pc. STARTING AT STARTING AT MANY MORE STOREWIDE CLOSE-OUTS! END OF YEAR Take advantage of these Special Deals! "Washington's Hometown Furniture Store Since 1902" 208 E. Main • 812-254-3651 • Washington VISA • Mastercard • Daily's Charge • 90 days Same As Cash • Open Saturday 10am-4pm GET FREE DELIVERY & 1 YEAR FREE FINANCING Give the gift of good vision Schedule an eye exam, or come in and check out our collection of attractive designer frames. Locally Owned and Operated Dr. Clint Shoultz 715 S. 9th Street, Petersburg • (812) 354-9400 Mon. 8am-7pm, Tues. 8am-noon, Wed. 10am-7pm, Thurs-Fri. 8am-5pm LOUIE CAMPBELL Sales Professional lcampbell@patriotonline.com CALL OR TEXT 812-899-6267 @LouieYourCarGuy HWY. 64 W. • PRINCETON "Quite Simply, A Better Experience!" Looking for a Great Deal On Your Next Vehicle? REAL ESTATE TRANSFERS Mary Lou Sturgeon Estate conveys to Michael K. Sturgeon, real estate as re- corded in Pike County. Mary Lou Sturgeon Estate conveys to Mark A. Sturgeon, real estate as record- ed in Pike County. Mary Lou Sturgeon Estate conveys to Michael K. Sturgeon, Mark A. Sturgeon and Cathy J. Miller, real estate as record- ed in Pike County. Mary Lou Sturgeon Estate conveys to Cathy J. Miller, real estate as recorded in Pike County. Solar Sources Underground, LLC con- veys to River Birch Holdings, LLC, real estate as recorded in Pike County. Lonnie D. Hilsmeyer charged with Rex O. Carlisle, real estate as recorded in Pike County. Barry E. Dillon and Rhonda R. Dillon convey to Dalton J. Dillon, real estate as recorded in Pike County. Darrel R. Whitt and Darrel Keith Whitt AIF convey to Cameron J. Willis, real es- tate as recorded in Pike County. United Minerals, Inc. quitclaim to Fred- erick L. Souders Revocable Trust DTD 11/28/95, Frederick L. Souders Co-Trust- ee and Marsha D. Couders Co-Trustee, real estate as recorded in Pike County. U.S. Bank National Association con- veys to Federal National Mortgage As- sociation, real estate as recorded in Pike County. Iona Froman Estate conveys to Michael E. Branam and Kimberly S. Branam, real estate as recorded in Pike County. Jacob W. Branam conveys to Michael E. Branam and Kimberly S. Branam, real es- tate as recorded in Pike County. Andrew J. Hoffman and Sherry A. Hoff- man convey to Fuhrman Properties, LLC, real estate as recorded in Pike County. Calvin B. Wineinger and Christy J. Wineinger convey to Fuhrman Proper- ties, LLC, real estate as recorded in Pike County. Kevin L. Catt conveys to Jeffrey F. Bo- ger, real estate as recorded in Pike Coun- ty. OFS Brands Holdings, LLC conveys to Cool Springs, LLC, real estate as record- ed in Pike County. Jeffrey S. Powers and Tama J. Powers convey to Freedom and Fire Church, Inc., real estate as recorded in Pike County. Sweetwater Leasing, LLC conveys to Freedom and Fire Church, Inc., real es- tate as recorded in Pike County. 2019 Castle, LLC conveys to Tia Lynn Ramirez, real estate as recorded in Pike County. Scott E. Bush conveys to Jayson Sandage and Samantha J. Sandage, real estate as recorded in Pike County. AREA HAPPENINGS Celebrate Recovery–Will meet ev- ery Monday at 6 p.m. at the River of Life Church, 342 E. CR 300 N., Petersburg. For more information, contact Pastor Jim at 812-354-8800. Pike County History Center—Will meet the fourth Monday of each month at the History Center, 1104 Main Street, Pe- tersburg at 6:30 p.m. New members wel- come. For more information, contact Jean- nine Houchins at 812-766 -0463. History Center hours Monday,Thursday, Friday and Saturday from 9 a.m. to 4 p.m. DAR—Local chapter of the Daughters of the American Revolution meet the sec- ond Monday of each month September through June at 6 p.m. at the History Cen- ter in Petersburg. Free Clothing Bank–Oak Grove Church in Oakland City offers a free cloth- ing bank each Tuesday 9 -11 a.m. (Oakland City time) for everyone. They carry new and used clothing. Location is on Morton Street, just past Chuckles. Come to the gymnasium door located at the back of the church. Women's Cancer Support Group – The Lange-Fuhs Cancer Center at Memo- rial Hospital and Health Care Center of- fers a support group for women who have had cancer of any type or are currently un- dergoing cancer treatment. Sessions are the third Tuesday of each month from 6:30 to 8 p.m. in the Lange-Fuhs Cancer Cen- ter Conference Room, located at Memori- al Hospital and Health Care Center's Dor- bett Street entrance. For more information about the "Women's Support Group," visit www.mhhcc.org and click on "Classes & Events," or call The Lange-Fuhs Cancer Center at 812-996 -7488. Winslow Alcoholics Anonymous – will meet every Tuesday at 7:30 p.m. Call 812-789 -8535 for location of the meeting. Al-Anon meeting – Meetings are each Wednesday at 11:30 a.m., located at 424 W. 7th St. in Jasper. For more information, call 812-887-0349. Narcotic Anonymous – Every Wednes- day at 7 p.m. at River of Life Fellowship Church. Gathering Place—Will be open every Thursday from 2-4 p.m. at 207 Lafayette Street, Winslow for the Food and Clothing Pantry. For more information, call 812- 582-5210. Odd Fellows IOOF Pacific Lodge #175 meeting–the second Monday of each month at 7 p.m. All area members are encouraged to attend. Otwell Ruritan–will have its month- ly meetings the second Monday of each month at 7 p.m. Pike Lodge #121 F&AM regular stated meeting–the second Tuesday of each month at 7:30 p.m. All area Masons are invited to attend. Jefferson Township Community Cen- ter of Otwell–will have its monthly meet- ings the first Monday of each month at 6:30 p.m. All members are urged to attend. "Creating Hope" For Cancer Pa- tients–Memorial Hospital and Health Care Center is offering Creating Hope® sessions on the first and second Tuesday of each month from 5:30 – 7:30 p.m. These sessions are designed for cancer patients, their families and caregivers. Art materi- als and an instructional book are available at each session. No previous art experi- ence is needed. Sessions are free and are in the Lange-Fuhs Cancer Center Confer- ence Room located at the Dorbett Street entrance of Memorial Hospital, 800 West 9th Street in Jasper. For more information about this class, visit Memorial Hospital's website at www.mhhcc.org and click on "Classes & Events," or call The Lange-Fuhs Cancer Center at 812-996 -7488. Perinatal Loss Support – Expectant parents who suddenly lose their child of- ten experience a wide range of emotions and grief. Memorial Hospital and Health Care Center offers "Perinatal Loss Sup- port" to assist those who have experi- enced the loss of a child (conception to one month of age) through the grieving process, and provide an atmosphere of confidentiality and comfort. For more information about Perinatal Loss Support, contact Theresa O'Bryan, Pastoral Care, at 812-996 -0219 or tobry- an@mhhcc.org. "Check-In Time"–Memorial Hospital and Health Care Center offers a support group, "Check-In Time" for breastfeeding moms. This "Check-In Time" program al- lows new and experienced breastfeeding moms to have open discussion with Cer- tified Lactation Consultants while also in- cluding weight checks for baby, mom-to- mom support, and mom and baby transi- tions at home such as pumping and return- ing to work as well as adding solids. The next "Check-In Time" will be on Wednesday, January 8, from 5 -6 p.m. in Board Conference Room A, located on the lower level of the LCM Tower, at Memori- al Hospital, 800 West 9th Street in Jasper. Moms are encouraged to bring their baby anytime throughout the hour to get weighed and/or to bring their breast pump to check the pressure. No pre-registration is required. For more information on this group, vis- it Memorial Hospital's website at www.mh- hcc.org call the OB Lactation Service at 812-996 -0383. Dear Rusty: How do we change the Social Se- curity earnings cap amount? Do I need to go through my Con- gressman? Social Se- curity is withholding my benefit because they say I earned too much. The system is very unfair! Signed: Disgruntled Worker Dear Disgruntled: The Social Security earnings test has been a part of Social Se- curity's rules and regula- tions since the original So- cial Security Act of 1935. In fact, benefits were orig- inally paid only if someone was not working at all, and if a beneficiary worked after they started collecting, they lost all benefits. The law has undergone changes over the years to bring it to where it is today, which is to limit the amount of earnings someone can have while collecting So- cial Security prior to their full retirement age before taking back some benefits. If the earnings limit is ex- ceeded, and you have not yet reached your full retirement age, Social Security typical- ly withholds your benefits until they recover what you owe for exceeding the lim- it. The limit is adjusted an- nually based upon changes to the National Wage Index, and the annual limit for 2020 is $18,240, up from $17,640 last year. There is also a "first year rule" which will subject those who haven't yet reached their full retire- ment age and claim bene- fits mid-year to a monthly lim- it (1/12th of the annual limit) for the remain- der of that year. The earnings limit increas- es significant- ly (by about 2.6 times) during the year you reach your full retirement age (FR A), and goes away entirely once your FR A is attained. As you are probably aware, exceeding the lim- it will cause Social Securi- ty to take back $1 for every $2 you are over the limit, or if you're subject to the "first year rule" they will take back your entire benefit for any month you exceed the monthly limit. In the year you reach your FR A (but before your FR A) the "pen- alty" for exceeding the lim- it is less severe– $1 for ev- ery $ 3 over the limit. What you may not be aware of is that when you reach your full retirement age, Social Security will give you time credit for any months you did not receive benefits be- cause you exceeded the earnings limit and receiv- ing that time credit at your FR A will result in your ben- efit being increased. For ex- ample, if, over the years be- fore you reached your FR A, Social Security withheld 12 months of benefits due to you exceeding the earnings limit, when you reach your full retirement age Social Se- curity will recalculate your benefit to account for those 12 months by changing your claim date to 12 months lat- er than when you actually applied. That will increase your benefit somewhat and, as a result, you may be able to eventually recoup some, or all, of the benefits which were withheld (depending upon your longevity). How can we change the earnings cap? Well, the earnings limit already in- creases automatically each year with changes to the Na- tional Wage Index. But if you mean how can we eliminate it, I'm not optimistic that is possible since it would re- quire full Congressional ap- proval as well as Executive Branch approval to do so, and since Congress is now more focused on Social Se- curity's broader issue of the Trust Fund being depleted in about 2035 (which will result in an across-the-board cut in benefits unless Congress acts sooner). Nevertheless, you should certainly feel free to bring your concerns about Social Security's "earnings cap" to the attention of your Congressional Representa- tives. Congressional Repre- sentatives are always will- ing to hear and understand the concerns of their constit- uents, and Social Security is very much a topic of discus- sion in Congress today. MT. PISGAH G.B. CHURCH 6100 S. Augusta Broadway St., Winslow Pastor 812-582-0756 Sunday morning worship at 10 :15 a.m., children's Sun- day school during morn- ing worship; youth on Sun- day evenings at 6 p.m. and Wednesday evening at 6:30 p.m. Everyone is welcome. There will be no Wednes- day night service Dec. 25 and Jan. 1. "How unsearchable are His judgments and His way past finding out" (Romans 11:33). The end of another year is approaching and people are already predicting what the new year holds. A year from now most of them will prob- ably have missed the target. The fact is, no one knows the time and future except God. We even know so little about the world in which we live. No doubt scientists will con- tinue to uncover astonishing facts about the universe. But even then, they will know on- ly a minuscule amount com- pared with the total sum of potential knowledge. But God is infinite. He knows it all because He created it in the first place. We will al- ways be bewildered and con- fused by what we don't know, if we are honest. We don't even know our immediate future; as James said, "you do not know what will hap- pen tomorrow" ( James 4:14). What should this mean? It should give us humility be- fore God, and it should give us trust in the God who does know our futures and who works all things for His glo- ry. You can trust all your to- morrows to Him. If at any time you have no church to attend, feel free to join us for services. I am sure you will receive a blessing from God above. May God bless each and ev- eryone. Jerry "Tuffy" Blackwell, Pastor Sharon Kendall, Reporter Church notes