US2673035A - Social-security calculator - Google Patents

Description

March 23, 1954 J. M- M TEER 73,035

SOCIAL-SECURITY CALCULATOR Filed April 30. 1951 ADVERTBE/WENT 1 @Average Monflnly Income lOO-OO 9 Primary Insurance Amounf (refiremeni Age 65) I 9 V @Waqe Earner Dectascd(wido w's Beneflf'gf one Child's Benefifl 8 @Waqc Earner Living (Wife's Benefir "5* one child's Benefiib 1 Maximum Income per Family 7 J F 2 u 14 g I r=L- T @E Jack M. ME'Teen A T IURNEY INVEN TOR:

Patented Mar. 23, 1954 UNITED STATES PATENT OFFICE 7 Claims. 1

My invention relates to a social-security calculator, and more specifically to such a calculator constructed to operate like a slide rule.

Social-security calculators of the prior art have utilized the broad principle of employing two relatively movable parts, but have proven unsatisfactory in ease and understandability of operation and more importantly in completeness of data.

My calculator, which is about the size of a flat checkbook, presents in clear and easily understandable form detailed data of the social-security benefits payable to a retired worker and his dependents for families of from zero to six children and for the contingencies of mother and/or father deceased. It further presents the primary insurance amount and the maximum income per family for average monthly incomes from $100 to $300 in ten dollar steps, to pro duce a total of 714 pre-computed answers. This is made possible by the efiicient organization of the data and by the almost complete utilization of the printable surface of both sides of the slide member of my slide-rulc-like calculator.

Objects of the invention It is an object of my invention to provide a social-security calculator which is of a size and shape for convenient carrying in a pocket or a hand bag.

It is a further object to provide a social-security calculator which, while comp-act, nevertheless presents in easily understandable manner detailed data for many of the more common contingencies and for average monthly income steps as small as ten dollars.

It is another object to provide a slide-rule-like calculator which is simple of design, easy to operate, durable and economical to manufacture.

These and other objects and advantages will become apparent as the description proceeds.

Detailed description In the drawing:

Fig. l is a View in elevation of the face with slide 6 partially extended to the third setting.

Fig. 2 is an elevational View of the back of the calculator with the slide in the same setting as in Fig. 1.

Fig. 3 is a detailed perspective view of the left end of the showing of Fig. 2.

With reference now to the drawing, the calculator comprises a flat envelope I open at at least one end and formed of sheet material, such as paper, plastic or thin sheet metal and preferably surfaces capable of carrying printed matter thereon, The envelope may be conveniently formed by folding a single piece of heavy paper, as shown in Fig. 3, to provide an over-,-

ger-receiving cut-out notches l, 5 to facilitate ejection of the slide 6.

The face panel I of the envelope is provided with a row of windows s through which the figures 9 on slide face it may be read. These windows are deliberatel arranged so as not to be alined across the envelope, in order to provide better spacing of the windows and the numerals to register therewith.

The face panel 7 of the envelope carries an advertisement A, the indices opposite the five windows (as shown in Fig. 1) and two block 13 and C of explanatory matter. Block B reads as follows: Cash Settlement. All widows and widowers get cash settlement, in addition to monthly benefits, of 3 times the Primary Insurance Amount, if living together at deathor any one paying burial expenses can claim reimbursement if no widow or widower survives. Block C reads: When Maximum Exceeded by mother and one child: Benefits of wife plus one child are the same as: two children, if wage earner is living. (See back of rule.)

The face of the slide panel 6 is provided with 5 columns of figures, arranged in 21 diagonal ures are as follows:

27. 56. 00 104. O0 42. 00 150. 00 28. 00 57. 50 112. 00 43.20 160. 00 28. 8O 59. 00 120. 00 44.30 170. 00 29. 50 60. 50 128. 00 45. 180. 00 30. 30 62. 00 136. O0 46. 190. 00 31. 00 63. 50 144. 00 47. 200. 00 31. 65. 00 150. 00 48. 80 210. O0 32. 50 66. 50 150. O0 49. 220. 00 33. 30 68. 00 150. 00 51. 00 230. 00 34. O0 69. 50 150. 00 52. 20 240. O0 34. 80 71.00 150. 00 53. 30 250. 00

35. 50 '72. 50 150. 00 54. 40 260. 00 36. 30 74. 00 150. 00 55. 50 270. O0 37. 00 75. 50 150. 00 56. 70 280. 0D 37. 8D 77. 00 150. 00 57. 80 290. 00 38. 50 78. 50 150. 00 58. 90 300. 00 39. 30 80. 00 150. 00 60. O0

The back H of the slide 6 carries 21 columns l2 extending transversely of the slide, one column for each of the settings readable through the windows 9 on the face of the calculator. The figures of the drawing all show the slide in the third of the 21 setting positions provided by the calculator. The windows present the third transverse row of figures on the side I!) of slide 6 and the third transverse column of table E is exposed opposite the arrows of the index blocks D on the back 13 of envelope l. The table E reads as follows:

Table E (Fig. 2) is formed of 21 columns l2, each separated vertically into blocks of 6 numbers each alined with the 6 arrows from the 6 index legends of each Block D on back panel [3. Each Block D reads as follows:

Opposite each Block D is a further explanatory block, F, G, H, I, J. Block F (opposite the uppermost of Blocks D) reads as follows: When 2 Children Qualify for Benefits. Blocks G, H, I and J read the same but with 3, 4, 5 and 6 substituted for the numeral 2, respectively.

Block K reads as follows: W/E Wage Earner D/W Dependent Wife D/C Unmarried Dependent Child W/E can retire at age 65, and his D/W gets benefits if-or whenshe is age 65; however, if D/W is under 65, she gets benefits if she has a D/C under her care. W/Es aged and dependent parent can qualify as a D/C.

If wife is W/E and husband is dependent, then reverse all slide-rule references to husband or wife. If husband and wife are both W/Es, figure D/C as belonging to W/E with the largest retirement benefit. Natural, step, or legally adopted D/ C of W/E gets benefits.

W/E (age 65-75) and his dependents get no benefits if W/E earns more than $50 monthly in covered employment. No dependent or survivors can earn more than said $50 and draw benefits, even though W/Es widow forfeits hers.

w I: C50 007,? Mm ggggog 8.322800 cco'goo W/Es divorced wife gets benefits if she has his D/C in her care, provided W/E has contributed to her support within the past 12 months, pursuant to a court order. 7

Block L reads: *If both parents were wage earners, special calculation is made.

Block M reads: Social Security now is figured to the next 10 even though the maximum may be exceeded.

The (third-position) setting shown in the three figures of the drawing illustrate the operat1on of the calculator. The reading in the upper window 9 (Fig. 1) is $120.00, Average Monthly Income for the wage-earner (W/E). For such an average the Primary Insurance Amount (retirement age 65) is $53.00, as appears in the second window. Reading downwardly in the next three windows, we find: $39.80, $26.50, and $96.00, respectively, for Wage Earner Deceased (Widows and/or One Child's Benefit), Wage Earner Living (Wifes and/or One Childs Benefit), and "Maximum Income per Family. For this same setting, on the back of the calculator can be read the bulk of the computations obtainable from the device. The top arrow M (Fig. 3) indicates that $21.50 will be paid to each child of retired wage earner (if widower) When 2 Children Qualify for Benefits (as Block F specifies) While I have disclosed a preferred embodiment of my invention, it is to be understood that numerous changes can be made in the size, shape and arrangement of the parts and of the printed matter without departing from the spirit of the invention, as defined by the appended claims.

Having thu described my invention, what I claim as new and desire to secure by Letters Patent of the United States, is:

l. A social-security calculator, comprising: a flat pocket-size envelope having front and rear panels of sheet-material fixedly connected together along at least two opposite edges and being open at at least one end; a slide panel rectilinearly guidedly slidable thru said open end into and out of said envelope; the face of said front panel of said envelope being provided with indices spaced transversely of the direction of motion of said slide panel for indicating average monthly income and primary insurance amounts;

the face of said slide panel having thereon'col- 0f computed-answer figures in registry with said indices; the face of said rear panel having a plurality of identical sets of indices, also transversely arranged, each set indicating the amounts payable to each child and to the spouse, when the wage-earner is living, each set of indices and their corresponding columns of figures being for a different number of qualifying dependents; the rear face of said slide panel being substantially fully covered with columns of computed-answer figures registering with said indices of said rear panel, whereby for each average-monthly-income setting various computed answers may be read from the slide figures in registry with the several indices on both faces of said envelope.

2. A social-security calculator according to claim 1 and in which the corresponding faces of said envelope and said slide panel have, respectively, an additional index and a column of answer figures giving maximum income per family for each average-monthly-income setting.

3. A social-security calculator according to claim 1 and in which corresponding faces of said envelope and said slide panel have additional indices and columns of answer-figures for indicating benefits a wife or one child of a retired wage-earner and to a widow or one child of a deceased wage-earner.

4. A social-security calculator according to claim 1 and in which each set of indices addi- 6 tionally comprises legends for amounts payable to each child and also to a surviving spouse when the wage-earner is dead.

5. A social-security calculator according to claim 4 and in which each set of indices additionally comprises legends for amounts payable to each child of a retired wage-earner if the other parent is dead, and also to each child if both parents are dead.

6. A social-security calculator according to claim 5 and in which there are at least thre sets of indices on the face of said rear panel for cases, respectively, where there are two, three and more children qualified for benefits.

'7. A social-security calculator according to claim 1 and in which each set of indices additionally comprises legends for amounts payable to each child of a retired wage-earner if the other parent is dead, and also to each child if both parents are dead.

JACK M. McTEER.

References Cited in the file of this patent UNITED STATES PATENTS Number Name Date 798,206 Paradis Aug. 29, 1905 1,330,138 Rowan-Legg Feb. 10, 1920 1,360,726 Crook Nov. 30, 1920 2,152,604 Perry Mar. 28, 1939

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