SUPPORT BULLETIN 1969

• Document Type: CREST
• Collection: General CIA Records
• Document Number (FOIA) /ESDN (CREST): CIA-RDP78-04724A000800080001-9
• Release Decision: RIPPUB
• Original Classification: S
• Document Page Count: 31
• Document Creation Date: November 11, 2016
• Document Release Date: March 29, 1999
• Sequence Number: 1
• Publication Date: April 1, 1969
• Content Type: BULL

se : CIA-RDP78-04724A0008000?666%
ROI. COPY
RM
ROD
LLC &e4-
BLR
support
bulletin 1969
APRIL SB-38
",'OR INFORMATION OF HEADQUARTERS AND FIELD PERSONNEL
SECRET
G1201.11,1
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PURPOSE
The Support Bulletin, published periodically, is designed to keep head-
quarters and field personnel informed on administrative, personnel, and
support matters. The Support Bulletin is not directive in nature but
rather attempts to present items which, in general, are of interest to all
personnel and, in particular, of interest to those employees occupying
various support positions. Suggestions and constructive criticism from
both headquarters and field personnel are encouraged.
NOTE: ? This bulletin is for information only. It does not con-
stitute authority for action and is in no way a substitute
for regulatory material.
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TABLE OF CONTENTS
DOES IT PAY TO RETIRE EARLY?
1
QUESTION BOX
4
THE MANY BENEFITS OF A HOBBY
6
ESTIMATING YOUR CIVIL SERVICE AND RESERVE ANNUITIES . .
7
A LOOK AT LEGISLATION
9
WHAT TO DO ABOUT A PLACE TO LIVE
15
IS JOINT OWNERSHIP FOR YOU?
17
MORE INFORMATION ON PERSONAL PROPERTY CLAIMS
18
FINANCE FACTS AND FIGURES
20
PROGRESS IN MISSION SAFETY-70 PROGRAM
22
EXECUTIVE ANNUAL PHYSICAL EXAMINATION
24
HAPPINESS IS A PAID HEALTH INSURANCE CLAIM
25
HOW TO SUGGEST
28
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The answer to the above question depends on
what you mean by "pay." From the standpoint of
health and longevity, the need for a new challenge
or for being your own boss, and other subjective
factors, it might pay many people to retire early
regardless of the financial aspects. This article em-
phasizes factors involved in considering a second
salaried career under Social Security versus con-
tinuing under the Civil Service Retirement System.
CPYRGHT
The Obvious Advantage
If the time is not too far off when you will be
eligible for a Civil Service annuity, the idea of a
second career in private industry has probably
occurred to you. But if you are a typical employee,
you probably have had some trouble figuring
whether or not it would be worthwhile financially
to retire early. It is obvious that if you can obtain
a job in private industry at your present salary, your
increase in income will be at least the amount of
your annuity. Or to look at it another way, con-
tinuing to work for $7,000 a year at a government
job when you are entitled to a $4,000 annuity is
like working for $3,000.
CPYRGHT
The Big Question
But the big question is?how about the long run?
To answer this question, we have worked up the
chart at the end of the article comparing the five
years' income of a 55-year old retiree with his
income if he had waited to retire at age 60.
For ease in computing the comparison, we have
assumed in both situations that he is an unmarried
employee with the same Government salary over
the years 50 to 60. We also have assumed that a
retiree continuing to receive the same salary in
private industry could save practically all of his
Civil Service annuity, particularly since he would
pay no income taxes on it until he received the
equivalent of his own contributions. He could
readily invest his savings at the end of each year
in 5 per cent certificates of deposit.
You may be surprised to see that the charts show
that the increased income for the early retiree ( age
55 with 30 years' service) ranges from $21,256 for
the $7,000 per annum employee to $61,536 for the
$20,000 per annum employee. In addition, the
"early" retiree will receive more income each year
beginning with age 60.
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How Comparisons Were Figured
Here are the details of how one of the compari-
sons was figured.
Let us assume that you have been working for
$10,000 a year, have 30 years service and will reach
age 55 in December 1968. If you retire on 1 January
1969, you will receive an annuity of $5,628 per year,
based on a "high-five" average of $10,000. If at the
same time you start a job in private industry at
$10,000 per year, your annual income for that year
will be $15,628. By investing $5,000 of the $5,628
in a certificate of deposit at 5 per cent on 1 January
1970, you will receive $250 interest in 1970. By
allowing your interest to accumulate and continu-
ing to invest $5,000 each year for four more years,
you will receive $1,304 in interest per annum in
your 60th year and each year thereafter.
Now lets us assume that instead of retiring on
1 January 1969, you continue to work in your pres-
ent job at the same salary until age 60. Your retire-
ment annuity at age 60 would be $6,624. Your total
earnings for the five-year period up to age 60 will
be $50,000 which would be $30,767 less than if you
had retired at age 55 and worked as indicated
above. And, in addition, your annual income after
age 60 would be less?over $1,000 less when the
retiree ( early) gets his Social Security pension.
CPYRGHT
Other Advantages of Early Retirement
The advantages of retiring early and continuing
to work in private industry under the Social Security
System in addition to the increased total earnings
and higher annual income include the following:
If you need to work for additional income after
age 60, it is easier to find a job at 55 and continue
working to age 65 than to find one after 60.
The 61/2 percent deduction for Civil Service
Retirement is no longer taken from your govern-
ment income. This is partially offset by Social
Security deductions of 4.4 percent-5.7 percent
on the first $7,800 of annual salary.
You continue to be insured under FEGLI life
insurance at no cost.
You have income tax advantages under the
Federal and most of the States' income tax laws.
In addition to receiving a pension under the
Social Security System, you will also qualify for
death and survivor benefits, and at age 65 for
the Hospital Plan under Medicare.
You may be entitled to benefits from your
employer in private industry under his pension
and insurance plans.
Disadvantages in ar y ? etirement
CPYRGHT
The disadvantages in retiring early include the
loss in general Government increases, in-grade pro-
motions, increased length of service, and the higher
"high-5" annual rate of pay used for the computa-
tion of your Civil Service retirement annuity.
Nevertheless, it is quite probable that you would
receive salary increases for work in private industry
which might overcome the disadvantages.
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Advantages for employee 55 years old with 30 years of government service
who retires and works outside government for 5 years instead of continuing same
job to age 60.
FIVE YEAR INCOME BEGINNk
For Early Retiree (at age 55)
Civil Service Annuity
Under Social Security System
Savings Deposited ( projected)
Interest Received on Savings @ 5%
Cumulated Annually
TOTAL
For Late Retiree (at age 60)
Government Salary
Advantage For Early Retiree
AT AGO
T ANNUAL
610,000
'627
000
76
ANNUAL INCOME BEGINNING AT A
For Early Retiree
Civil Service Annuity
Interest on Savings Or 5%
Social Security Pension at Age 62*
TOTAL
For Late Retiree
Civil Service Annuity
Advantage For Early Retiree**
AT ANNUAL SALARY
67,000 610000
56,280
100,000
(50,000)
.100,000
61,536
20,
* After earning a minimum of $50 each calendar quatter two yeq
60 and 61).
** In addition, early retiree has sizable sa
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CPYRGHT
RETIREMENT?
CREDIT UNION BALANCES
Q. I am retiring in June 1989, at which time I will
have a balance still owing on my Credit Union loan
and also some shares earning dividends. Will I have
to borrow from another source to pay off my loan?
Must I withdraw my shares and lose the interest?
A. With respect to the share balance, "a member
who ceases to be within the field of membership
shall terminate his membership or shall have his
membership terminated no later than the close of
the dividend period in which he leaves the field of
membership." As to the outstanding loan balance,
"a member who leaves the field of membership
while obligated to the Credit Union as a borrower,
endorser, co-maker, or guarantor shall be continued
as a member until the close of the dividend period
in which the obligation is satisfied."
HEALTH INSURANCE FOR RETIREES
Q. I understand that there are definite limita-
tions on when I can change my health insurance
enrollment while I am an employee. Do these rules
still apply to me after I retire? If I cancel my Fed-
eral health insurance now, may I pick it up again
later as a retired annuitant?
A. The Civil Service Commission establishes the
regulations governing enrollment and changes in
enrollment under the Federal Employees Health
Benefits Program. They have established a "Table
of Events" which indicates when an employee may
enroll, change plans, change from single to family
coverage, and change options within a plan. A copy
of this table may be found on the reverse side of
the second copy of the Health Benefits Registration
Form ( SF 2809). A similar but slightly different
table applies to retired employees, but retired an-
nuitants are prohibited from changing from not
enrolled to enrolled under the Federal Employees
Health Benefits Program. Therefore, if you cancel
your Federal health insurance now, you will not
be able to pick it up again later as a retired an-
nuitant.
The Civil Service Commission has announced
that the next "Open Season" for health insurance
changes will be November 10 to 28, 1969. However,
they have stipulated that this "Open Season" will
apply to employees only?not to retired annuitants.
Q. As a military retiree, I am entitled to free
health insurance under the Civilian Health and
Medical Program of the Uniformed Services
(CHAMPUS). Should I continue coverage with my
present plan under the Federal Employees Health
Benefits Program in addition to the free coverage
that I have as a military retiree?
A. This question can be answered only by you,
based on the needs of you and your family. How-
ever, in making the decision, you should be aware
of one important fact. In the event you incur medi-
cal expenses which are covered by both plans of
insurance, the total benefits from both plans will
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not be more than your total covered expenses. That
is, there will be no duplication of coverage. In such
?a case, it is usually necessary to file duplicate claims
with both plans, informing each that you are insured
by the other. The two insurance plans will then
determine which is to pay what part of your claim.
Rules for determining which plan pays its full bene-
fits have been worked out between the Executive
Director of CHAMPUS and these other insurance
plans.
In making your decision to continue or cancel
your present plan under the Federal Employees
Health Benefits Program, you should also be aware
of the fact that benefits from civilian sources under
the CHAMPUS program will terminate if you
reach age 65 and are then eligible for hospital in-
surance benefits under the Social Security Health
Insurance Program for the Aged (popularly known
as Medicare). Under such circumstances, and since
you cannot, as an annuitant, change from not en-
rolled to enrolled in the Federal Employees Health
Benefits Program, you could be left with only the
Social Security Medicare coverage at age 65.
AIR TRAVEL INSURANCE
Q. I am going on a trip which will involve air
travel. What insurance coverage is available to me
through the insurance office?
A. The insurance office offers three plans with
coverage varying from that which is applicable
solely to scheduled commercial aircraft, to coverage
while traveling as a passenger on military aircraft
and chartered private flights. Before purchasing
any of these coverages, you should consult a repre-
sentative of the insurance office to determine which
of the available plans is appropriate for the cir-
cumstances of your particular flight. Two of the
plans are trip insurance. That is, they cover you for
a single specified trip. The other provides annual
coverage without regard to the number of trips or
flights you make.
EDUCATIONAL ALLOWANCE
Q. I am planning on an overseas assignment and
have a five-year-old child. Do the Standardized
Regulations provide for the payment of an educa-
tion allowance on behalf of children attending
kindergarten?
A. No. Education allowances are granted only at
those posts where the costs of adequate schooling
in grades 1 through 12 are in excess of the costs that
would be incurred for a child in a United States
public school.
CPYRGHT
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The many benefits
of a HOBBY
A Chance to Unwind
The pleasures one obtains from a hobby are
well known to those who have developed such
avocational interests early in life. But seldom con-
sidered are the equally important fringe benefits
which accrue to the individual in pursuit of a hobby.
For those involved in crisis management, perhaps
the most important benefit of a hobby is relaxa-
tion, a chance to "unwind." Time spent in reading,
sorting coins and stamps, building models, con-
structing intricate electrical circuits, and the like,
allow the individual a chance to slow down. His
thoughts are momentarily distracted from vital mat-
ters of the day, and his hands and mind are allowed
CPYRGHT to dwell on other matters, shifting the day's burdens
to a lesser position for a time. When recalled the
following day, these burdens and decision-making
can be viewed with a refreshed mind.
Physical and Financial Benefits
Other hobbies provide much needed physical
therapy. Be it on the golf course or tennis court,
assisting in youth activities such as scouting and
Little League, or a pastime pursuit at home, many
hobbies not only refresh the mind, but also aid the
regularly chair-borne individual to secure a degree
of physical rehabilitation. Consider, for example,
the many hobby interests which are used in Vet-
erans Administration hospitals for physical therapy,
if not mental reconditioning.
Also beneficial are those pastime interests which
accrue financially. Hobby collections ranging from
coins to stamps to rare books, by their nature, in-
crease in value over the years and add to one's
financial worth. The estate value or tax deductible
value of such hobbies should not be ignored.
For Isolated Assignments or Retirement
Perhaps a portion of your career will be spent
in areas where there are few recreational facilities.
The value of the hobby for enjoyment of off-duty
hours during such an assignment cannot be under-
estimated.
In one's retirement years, a hobby acquired early
in life serves to increase the enjoyment and occupy
newly gained hours of free time. If one has devel-
oped his hobby sufficiently by that time, the hours
spent in crafts, collecting, etc. may be those of
total enjoyment, the necessary expertise having been
obtained much earlier.
Consider the values of the many hobbies which
might be of interest to you. Be it lapidary, book-
binding, printing, cabinet making, or any of the
scores of interesting fields awaiting your pleasure,
you will find equally as many books to whet your
interest.
Join or Start a Club
Among your co-workers, you will find many who
have already acquired and developed hobbies which
might be of interest to you. Most hobbyists have an
almost missionary-type zeal and will be eager to
assist you in getting started. Many of them have
formed clubs, which are always on the look-out
for new members. If you need information on club
activities or want help in starting a club, contact
the employee activities officer in the Personnel
Office.
Explore the many pastime interests which can be
fitted into your free hours, learn the pleasure and
satisfaction which can be your reward, note the
several fringe benefits of the hobby of your interest,
and begin. Time can be "awasting."
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ESTIMATING YOUR CIVIL SERVICE
AND RESERVE ANNUITIES
Previous issues of the Bulletin have furnished prospective retirees with
formulas for computing their Civil Service and Military Reserve retirement
annuities. However, for those persons who want a quick and easy method of
estimating their annuities for planning purposes, we believe that the two charts
below will prove useful.
? POINT VALUE CHART FOR RESERVE RETIREMENT
This simple one-step system gives you an estimate of the amount in your
monthly paycheck. Multiply your point value by the approximate number of
points you will earn and the result is the dollar value of your retirement check.
HIGHEST
GRADE HELD
OVER 20 YRS.
POINT VALUE
OVER 22 YRS.
POINT VALUE
OVER 26 YRS.
POINT VALUE
Maj. General
12000
.12483
.12483
Brig. General
10854
.10854
.10854
Colonel
08308
.08790
.09535
Lt. Colonel
07515
.07779
.07779
Major
06506
.06506
.06506
*Captain
05713
.05713
.05713
Captain
05625
.05625
.05625
*1st Lt.
04835
.04835
.04835
1st Lt.
04173
.04173
.04173
*2nd Lt.
04088
.04088
.04088
2nd Lt.
03294
.03294
.03294
WO (W-4)
05404
.05583
.06017
WO (W-3)
04748
.04921
.05098
WO (W-2)
04260
.04435
.04435
WO (W-1)
03956
.03956
.03956
CMSgt.
04463
.04698
.05154
SMSgt.
03913
.04144
.04604
MSgt.
03452
.03683
-
.04144
TSgt.
03038
.03038
.03038
SSgt.
.02577
.02577
.02577
*With over four years active enlisted service.
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YEARS OF $2,501-3,333
SERVICE ( A)
$3,334-4,999
(B)
$5,000 OR MORE
(C)
10
0.10
0.1375
0.1625
11
.12
.1575
.1825
12
.14
.1775
.2025
13
.16
.1975
.2225
14
.18
.2175
.2425
15
.20
.2375
.2625
16
.22
.2575
.2825
17
.24
.2775
.3025
18
.26
.2975
.3225
19
.28
.3175
.3425
20
.30
.3375
.3625
21
.32
.3575
.3825
22
.34
.3775
.4025
23
.36
.3975
.4225
24
.38
.4175
.4425
25
.40
.4375
.4625
26
.42
.4575
.4825
27
.44
.4775
.5025
28
.46
.4975
.5225
29
.48
.5175
.5425
30
.50
.5375
.5625
31
.52
.5575
.5825
32
.54.5775
.6025
33
.56
.5975
.6225
34
.58
.6175
35
.60
.6375
:56664225
36
.62
.6575
.6825
37
.64
.6775
.7025
38
.66.6975
.7225
39
.68
.7175
.7425
1. If high-five average salary is between $2,501 and $3,333, inclusive, multiply
it by the factor in Column A opposite the applicable years of service. Add
$250 to the product obtained. The sum of the two is the basic annuity.
2. If high-five average salary is between $3,334 and 4,999, inclusive, multiply
it by the factor in Column B opposite the applicable years of service. Add
$125 to the product obtained. The sum of the two is the basic annuity.
3. If high five average salary is $5,000 or more, multiply it by the factor in
Column C opposite the applicable years of service. The product is the
basic annuity.
4. If the high-five average salary is $2,500 or less, do not use the table. To
obtain the basic annuity, take 1% of the high-five salary, add $25.00 and
multiply the result by years of service. (Check for 80% limitation on
maximum annuity.)
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New Laws Benefit Special Groups
Although a number of bills affecting large num-
bers of employees failed to pass the second session
of the 90th Congress, such as retirement liberali-
zation, sick leave compensation, and increased per
diem rates, there were some passed and signed
by the President that will benefit smaller groups
of employees. Among these was a bill providing
up to 22 days additional leave for members of the
National Guard and reserve units activated by
either a governor or the President. It also provides
up to three days administrative leave for civil
servants whose immediate relatives have been killed
in armed conflict in military service.
Further Benefits from the Federal Salary Act
Under the Federal Salary Act of 1967, most
Government employees can expect a substantial
raise this year. This act was designed to make
Government salaries comparable to private industry
in three steps, with the final step effective 1 July
1969.
CPYRGHT
Except for some of the lower grades, the July
1968 raise was designed to close half the com-
parability gap that existed as of 30 June 1967. This
raise averaged 4.5 per cent. The new Bureau of
Labor Statistics survey revealed that private in-
dustry pay for comparable GS positions increased
an average of 5.2 per cent between 30 June 1967
and 30 June 1968. As a result, it is estimated that
the next raise should average around 9 per cent.
The chart below shows the lag in comparability
for GS grades 1 through 15. It must be pointed
out that the pay raises will not necessarily be the
same size as the last column indicates because
these are rough figures which still must be refined
by BLS and CSC, and the raises will have to be
adjusted to keep the grades and within grade steps
in balance with each other. Even after the next
raise, Federal employees will still be a year be-
hind private pay rates if they are paid fully com-
parable salaries as of June 1968. However, during
his campaign, President Nixon promised federal
employees that he would speed up the compilation
of statistics on comparability to eliminate the delay
in pay raises.
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PERCENTAGE LAG IN FEDERAL PAY
Lag After
GS 7/68 Raise
Grade (As of 7/67)
Additional
Lag Created
7/67- 7/68
Approximate
Total Lag
As of 7/68
1
(+8.6)
7.1
...
2
(+4.1)
5.6
1.5
3
0.0
4.8
4.8
4
0.7
4.9
5.6
5
1.3
5.6
6.9
6
2.7
*
*
7
3.5
5.8
9.3
8
4.1
*
*
9
4.8
5.2
10.0
10
5.1
*
*
11
5.3
5.7
11.0
12
5.9
6.2
12.3
13
6.3
4.4
10.7
14
6.5
2.8
9.3
15
7.0
4.5
11.5
*BLS data was insufficient to compute the lag.
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sEuittal
A PLACE TO LIVE
This is the beginning of a series of articles recom-
mended by a number of Bulletin readers. They are
intended to suggest some of the factors to be con-
sidered before taking action or seeking professional
advice on buying, selling, renting, or leasing a
house or an apartment.
Questions to be Answered
Before deciding whether you should be a house-
holder or apartment dweller, there are a number
of questions to which you should have the answer.
Here are some of the more important ones:
? Am I looking for an investment, a place to
live, or both?
? Do I have the time and temperament to keep
up a house and yard?
? Will I be living long enough in one place to
make the purchase of a house pay out, or
should I rent?
? Can I finance the purchase of the kind of
house I want?
? Do I know what to look for in sizing up a
house?
? Considering such factors as distances, taxes,
house prices, schools, etc., where is the best
place for me to look for a house?
Why People Buy Houses
People buy houses for various reasons. According
to a recent survey by the United States Savings and
Loan League, the majority of people buy houses
for noneconomic reasons. Sixty-two percent of those
surveyed gave these as their chief reasons:
A Provide a better environment for the children.
A Privacy.
A Need for more space.
Freedom to improve the property.
A Wives wanted home.
Of the 38% who said they bought for economic
reasons, 22% did so to build up an equity in real
estate. Another 10% commented that when you
rent, you end up with only a batch of receipts from
a landlord. And 6% felt that owning was cheaper
than renting.
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A House as an Investment
If you are one of those who are thinking of buying
a house for economic reasons or a combination of
economic and personal reasons, you should make
some realistic comparisons. Some studies have at-
tempted to show that buying is cheaper than renting.
This may or may not be true for a particular case,
but it certainly is less true for a short-term purchase.
Consider the purchase of a $20,000 house with
a $4,000 down payment and a 20-year, six percent
mortgage of $16,000. ( Although the figures in this
example may not exactly fit today's conditions, they
will illustrate a point that you can apply to a real
situation.) Closing costs come to say $400 on top
of the purchase price. Mortgage payments are $115
a month and about $50 a month goes for property
taxes and insurance, plus an estimated $30 a month
for upkeep and repairs. That's $195 a month in
ownership costs or $2,340 a year.
If you're transferred after three years and sell
the house for $19,000, $1,000 is lost on your invest-
ment. You'll probably need a real estate broker
to sell the house, so deduct five percent of the selling
price, or $950, for his fee. You therefore net $18,050
on the sale.
In three years, you built up a $1,366 equity in
the house out of your monthly mortgage payments;
the balance of the mortgage money went for in-
terest. Thus the house has cost you a total of
$8,004?$7,020 in regular monthly expenses, plus
$400 closing costs, $950 commission for resale, and
$1,000 house depreciation, less your $1,366 of equity.
You may receive an income tax benefit, depend-
ing on your bracket, because mortgage interest
and property taxes are tax deductible. In the above
example, they average about $1,500 a year. For a
typical family of four earning $10,000 a year, that
deduction produces an income tax savings of about
$385 a year, or $1,155. Total net cost to own the
house for three years comes to $6,849 ( $8,004 less
$1,155).
Suppose you had rented a comparable house for
$200 a month, figuring rent at one per cent of house
value per month. That would cost you $2,400 a year,
or $7,200 in three years. A down payment isn't
required, so your $4,000 could be earning five
percent compound interest a year. Net cost renting
therefore falls to $6,570 ($7,200 less $630 for three
years interest). Under these conditions renting
would have saved you $279.
After 40 months, the pendulum begins swinging
back in favor of buying. That's when your growing
equity in the house over-balances ownership costs.
However, home ownership costs are going up over
twice as fast as rents. The Washington Post points
out that last year home ownership costs rose 5.2%,
rents only 2.4%. In the past four years home
ownership costs rose 12.2%, rents only 5.2%.
Of course there are other possibilities to con-
sider. There are developers who will rent you a
house and then if you decide later to buy the home,
part of the rental money is credited toward the pur-
chase. Or you may decide to lease your house when
you are transferred.
CPYRGHT
If you lease your home, it becomes a business
and you can deduct the costs of running the property
as a business from the rent to determine the net
income. Among the expenses that can be .charged
off are the interest on the mortgage, maintenance
and repairs, agents' fees, advertising, property and
liability insurance premiums, and annual deprecia-
tion on the house and the improvements. To protect
yourself from excessive depreciation of the property,
first be sure you get good tenants. Next, use a lease
that requires the occupant to keep the premises
neat and clean and the furnishings ( stove, refrig-
erator, etc.) to be returned in as good a condition
as received, less reasonable wear and tear.
What Price House and Mortgage?
Certain rules of thumb for buying a house have
been around for years, such as two and a half times
your salary. Perhaps there are some to whom it
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CPYRGHT
might apply but certainly not to everyone. The same
applies to the formula of one week's salary per
month should cover your housing costs. Estimates
based on Federal Housing Administration data in-
dicate that homeowners spend about 24% of their
after-tax monthly income on the basic housing ex-
penses?the mortgage payment, house insurance,
maintenance, repairs, heating, utilities, and real
estate taxes. Of course people with larger incomes
buy larger homes and have larger monthly expenses
but spend a smaller percentage of their earnings on
housing. Figures range from 28.8% of after-tax
income for $400 to $500 a month incomes to 16.9%
for those making $1,200 and over. Although these
figures may interest you, they can't solve your
personal problem. The only way this can be done
is by working out a housing budget and using it
as a guide in shopping for a house. Take your
monthly income and subtract your monthly ex-
penses and the amount you want to save. The
balance will be your monthly housing budget. Now
you are ready to use a shopping guide like the one
below.
Price
Maximum down payment you
are prepared to make
Mortgage needed
Monthly housing expenses
Mortgage payment
Maintenance, repairs
Heating, utilities
Home insurance
Real estate taxes
Additional commuting cost,
if any
Total
House 1 House 2
By comparing the total expenses with your
housing budget, you will be able to determine
which house you can afford. If you are having
trouble getting exact figures, you might use a ratio
based on FHA-insured homes bought on 5% down
payments and 30-year mortgages. Take the cost of
the house, subtract 5% and then take 1% of the
remainder. On a $20,000 house this would give you
a $190 estimate for all housing-expense items. Credit
Union literature suggests a simpler formula-10%
of the home's market value ( or $2,000 in the above
case) gives you the approximate annual housing
cost.
Be Sure To Look Ahead
When deciding between differently priced houses,
both of which you can afford, it is wise to look to
the future. You might choose a larger and more
expensive house if you plan to have more children
and want to avoid moving into. a larger house
later?particularly with the upward trend in the
prices of houses and mortgages. Or you may feel
certain that you will be getting promotions in the
future with a steady increase in money available
for housing. In that case you might want to tighten
up on other budget items now or cut back on
savings temporarily until your raise comes through.
One thing is sure?it will pay you to take time
to do some careful figuring, because the purchase
of a house is probably the largest financial trans-
action your family will ever make.
16
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hURET
Some of the Advantages
According to the Kiplinger Service, the advan-
tages of joint ownership of property has lead mil-
lions of married couples to hold homes in their
joint names with the right of survivorship, along
with uncounted billions of dollars' worth of savings
bonds, bank accounts, securities, and other prop-
erty. Joint ownership of the family home and a joint
bank account contribute to a sense of family to-
getherness and equal sharing. Further, joint sav-
ings and checking accounts are found to be more
convenient. Credit Union literature points out that
a husband and wife often find the joint account a
convenient device to assure that the survivor may
withdraw the balance of the account without the
expense and inconvenience of estate administration.
Families of modest means normally find dual owner-
ship to be most advantageous, but there are some
disadvantages that you might want to consider.
A Possible Problem
One of the disadvantages of joint checking and
some savings accounts is the fact that one of the
joint owners may draw on the account for all or
part of the funds without the knowledge of the
other. In some cases this can lead to embarrassing
overdrafts or disagreements when done inadvert-
ently; and if there is a rift in the relationship be-
tween the parties, the joint account can easily be
used purposely to the unfair advantage of the
other party.
Other Disadvantages
There are other possible drawbacks to joint
ownership that you may not have considered. The
survivor may be unable to manage the estate prop-
erly. Suppose a wife is left with a large amount of
stock she held jointly with her husband, but she
3001-9
knows nothing about the stock market. Her mis-
handling of the stock could be financially disastrous.
Such a potential disaster can be avoided if the
husband is the sole owner of the stock and passes
it on by a carefully prepared estate plan.
The chances for flexibility in your planning and
allowing for unforeseen contingencies are reduced
by joint ownership. Property in joint ownership
generally cannot be disposed of by will, distributed
among several heirs, put in a trust, or go anywhere
else except to the surviving co-owner, outright.
You could unintentionally disinherit children and
other relatives by depending on joint ownership.
In some states jointly held property can be seized
to satisfy a legal claim against either owner. Joint
ownership of a car may be particularly hazardous.
In case of an accident, both owners could become
defendants and all the property of both might then
be subject to judgment.
Joint ownership can also cause problems in sev-
eral tax areas; for example, the total value of
jointly held property may be taxed a second time
when the survivor dies. With the property only in
his name, a husband may be able to set up tax
savings trusts for half his estate.
No Do-It-Yourself Project
Of course you are the only one who can judge
certain personal factors involved in joint ownership
with right of survivorship, but you will probably
need help in assessing the hazards in beginning,
continuing, or dissolving a joint ownership. The
problems are too involved to solve on a do-it-your-
self basis, and your best protection is to get legal
advice?preferably before accumulating much prop-
erty in joint names.
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tot iitiomatioit oit
Protecting Your Interest
Recent issues of the Support Bulletin have pointed
out certain limitations under the Military Personnel
and Civilian Employees Claim Act of 1964, as
amended, and implementing this
authority. Employees were informed that the Gov-
ernment does not undertake to repay any and all
loss or damage to household goods and personal
property and that the maximum amount payable
under this act is $6,500, even though the loss or
damage may be greater than $6,500. Furthermore,
within this maximum, compensation may only be
paid for types, quantities or amounts determined to
be reasonable, useful, or proper under the attendant
circumstances. You should, therefore, consider
whether you possess items of substantial value or
items in quantities larger than an average family
of your size and economic circumstances probably
possesses.
A Guide To Help You
Maximum amounts allowable have been estab-
lished for specific kinds or categories of property.
These amounts per claim, together with deprecia-
tion rates, are given in the chart below for your
further guidance in assessing the risks involved
against the type and amount of insurance coverage
you are carrying.
(Th
CPYRGHT
/
CPYRGHT
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DEPRECIATION RATES AND MAXIMUM ALLOWANCES
BOOKS?less 25-50% flat rate
CHINA AND CRYSTAL?less 10% flat rate
ELECTRICAL, GAS AND OTHER APPLIANCES-10% per year
FOODSTUFFS (In Shipment)-10% flat rate
FURS (Coats, Stoles, Capes, Hats, Collars, etc. )?less 10% per year
HOBBIES AND COLLECTIONS (Depreciation varies)
Of the Claimant
For Others in Claimant's Household
Of Both Above
JEWELRY
Other than Costume?less 10% flat rate
Costume?less 10% per year
Watches?less 10% per year
MUSICAL INSTRUMENTS?less 5-20% per year
Pianos and Organs
All Other Instruments, Equipment and Supplies
PAINTINGS AND PICTURES (Including Frames )?less 10% flat rate
PERSONAL MEMORABILIA (Snapshots, Photo Albums, Trophies, Souvenirs, etc.
RUGS?less 2-10% per year
SILVERWARE, Sterling and Plated-10% flat rate
TOOLS (When Shipped in Automobiles)
TOYS?less 50% flat rate
WEDDING GOWN
50 per item
7.50 per claim
101) per claim
100 per item
i50.0;',;per,,etaitt
$1,001) per claim
,000 per claim.
250 per item
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0
CPYRGHT
20 SECRET
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CPYRGHT
_v /-\
o L-11
D
-V-
r:\
_ J
A Long Way From the Goal
In February 1965 a new, practical safety effort
called Mission Safety-70 Program was initiated by
the President to reduce Federal work injuries and
costs year by year until a total of 30 percent reduc-
tion is achieved by 1970.
Although we've made some progress toward the
goal, we still have a long way to go. Using 1965
as a base year, lost time accidents by Organization
employees increased 8 percent in 1966, then de-
creased 10 percent in 1967. This means another
28 percent reduction is necessary to meet our goal
by 1970.
Above Average on Slips and Falls
During 1967, 22 percent of the injuries incurred
by Organization employees were the result of slips
and falls. This is far above the 16 percent average
for persons in the Federal Service. We could take
an important stride toward reaching the goal of
Mission Safety-70 if injuries due to slips and falls
were eliminated or greatly reduced. Given below
are some of the causes of slips and falls and ways
to prevent them.
Although many people might think that hazards
that cause tripping, slipping, and stumbling are
confined to industrial-type areas, it just isn't so.
Many of the accidents happen in office areas, par-
ticularly during moving time. Here are a few hints
that will help reduce accidents in both places.
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Tripping, Slipping, and Stumbling Hazards
Plan and arrange machines, equipment, and
walk areas to eliminate possible hazards.
Provide placement and storage areas for tools
and equipment. Never leave these articles in
areas used for walkways.
Maintain good housekeeping.
Clean up spills, drips, or leaks immediately;
correct causes of spills or leaks; provide nec-
essary drains, pans, and splash guards.
Use only slip-resistant waxes and polishes.
Roughen plates, grills, and concretes.
Use nonslip paint, mats, treads, or abrasive
surfacing.
Provide signs or barriers where uncontrollable
or temporary slipping hazards exist.
Unsafe and Improperly Used Ladders
Bad luck and bad injuries can happen for other
reasons than just walking under a ladder. Here are
some suggestions on how to avoid a ladder accident.
Be sure ladders are solid with no cracked
rungs or side rails.
Have effective bases, spreaders, or other hard-
ware.
Properly attach cleats or steps. If surface is
extra-slippery, tie ladder at base or have some-
one hold it. Place ladder at proper angle on
solid level footing and anchored at top. An
angle of about 75 degrees with footing is
recommended.
Do not place ladder over doorways or travel-
ways. If necessary to do this, then lock the
door or have someone guard it and place
barrier against traffic.
Face the ladder when climbing up or down
and hold on with both hands. Do not stand
on top rung of ladder. Be sure a stepladder
is fully extended before climbing it. Do not
climb with muddy or otherwise slippery shoes.
Unsafe Stairs and Other Hazards
Stairs can be dangerous?and particularly so
under certain conditions. Follow these hints to
reduce stairway and miscellaneous hazards.
Risers should be the same height and not too
high or too low.
Treads should not be slippery, worn, or broken.
Have secure solid railings and use them.
Do not run or walk too fast. Watch where you
are walking.
Do not climb on machines, boxes, or chairs.
Always have proper lighting; eliminate shad-
ows and glare.
Don't obstruct vision by load, machines, etc.
A-T-T-E-N-T-I-O-N
Proper appraisal of a Safety Program depends
on good reporting. Your attention is invited
to the fact that Regulations require that Form
2652a be submitted for each Organization
motor vehicle accident, fire, on-the-job injury,
or accident involving Organization equipment.
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An Expanding Goal
For several years, the medical staff has performed
annual physical examinations at headquarters on
officials in the higher grades. Time and resources
have always been limiting factors in this essentially
optional program, although the continuing goal is
to offer these examinations to ever-larger groups of
employees.
A Normal Disease Distribution
What follows are some observations of the results
of this program over a recent twelve-month period.
Age distribution of those examined ranged from
32 to 62 years with the preponderance of examinees
falling between the ages 41 and 55 years. In re-
viewing the findings in these examinations, it is
apparent that there is essentially the same distribu-
tion of disease conditions and abnormalities as is
found in the general national population.
High Rate of Obesity and Enlarged Liver
Metabolic disease, gastrointestinal disorders, and
cardiovascular conditions account for most of the
physical abnormalities among Organization execu-
tives examined. Diabetes, gout, abnormalities of the
liver, and elevation of the serum cholesterol levels
are revealed as the major metabolic disorders.
Obesity, however classified, is significantly high and
involves approximately 30 per cent of those ex-
amined. Gastrointestinal disorders are manifested
predominantly by peptic ulcer, hiatal hernia, gas-
tritis, and rectal or lower bowel conditions. The
major cardiovascular disorder is clearly hyperten-
sion with a surprising number showing electro-
cardiographic changes in some degree. Respiratory
disorders, musculoskeletal disorders, and genitouri-
nary conditions are apparently significant but not
major problems statistically.
Neoplasms, benign tumors and/or malignancies,
were found in relatively few, with a diagnosis of
malignancy, new or old, being made in only 1
per cent of those examined. The findings of 7.1
per cent incidence of rectal polyps would tend
to support the recommendation that protoscopy gen-
erally be included as an integral part of a complete
examination since it is usually advisable that these
growths be removed.
The frequency of enlarged liver ( 7.7 per cent)
is surprisingly high as compared to other execu-
tive groups nationwide. Glaucoma ( 1.1 per cent),
on the other hand, is found to be below the national
average.
Major Problems Can Be Controlled
In sum, the major physical problems among
those examined were obesity, hypertension, choles-
terol elevation, gastritis and peptic ulcer, diabetes
and gout, and liver disorder. Fortunately, all of
these conditions can usually be controlled by ade-
quate treatment.
The value of an annual examination program is
of course that it surfaces abnormalities in time to
correct them. The problem, however, is only par-
tially resolved when the new information is brought
to light. Conservation of manpower through utili-
zation of this information in followup action with
personal physicians is the ultimate justification of
the program.
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HAPPINESS IS
-u-
IL
L -1
L NUMED
Each year the health insurance industry pays out
billions of dollars in bbnefits. If you are one of the
many who filed claims for part of them, you know
that insurance companies require proof of incurred
expenses in the form of itemized bills before they
will release a payment. Under most plans you can
have the hospital file the claim for you for their
CPYRGHT
charges, but you usually have to file the claims
yourself for doctor bills, nurses' charges, drugs and
medicines, and other covered non-hospital expenses.
You can simplify this task by making sure that the
bills you submit always indicate the following in-
formation which is required by all health insurance
carriers.
REQUIRED INFORMATION
Name of the Patient. This information is impor-
tant because the insurance company has to make
sure the expense was incurred by a person cov-
ered by the policy. It is also important when a
deductible is involved because a separate deductible
is applicable to each individual person insured
under a family policy. The next time your doctor
bills you for treatment of one of your children,
make sure the bill indicates "for treatment of son,
John" or some similar wording.
Date on which Expense was Incurred. Many
benefits have limitations on a "dollars per period of
time" basis such as "the first $75 per calendar
year." Deductibles are also cumulative over a spe-
cific time period, e.g. "calendar year." Therefore, the
exact date on which an expense is incurred is es-
sential. (An expense is incurred on the date a
service or supply is rendered?not the date on
which it is paid.) The exact date is also necessary
to prevent duplicate payment for the same expense.
The Plan may also need the exact date to estab-
lish that an expense was incurred while the policy
was in effect.
Specific Service or Supply Provided?And by
Whom. This is particularly important on claims for
surgery, since most plans pay benefits for such ex-
penses on a "fee schedule" or "regular and cus-
tomary charge" basis. Claims processors have a list
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of benefit allowances for literally hundred f'
surgi-
cal procedures. If your claim does not identify the
exact surgical procedure involved, they cannot de-
termine the proper allowance and usually have to
return the claim for you to obtain this information
from your doctor. You may realize how many
bones there are in the human body, butmight
be surprised t you
a ow many different types of frac-
tures can happen to them and how many ways in
which they can be treated, All of this has a bearing
on the appropriate charge and benefit to be paid.
Don't be a do-it-yourselfer in Providing this infor-
mation. Let your surgeon supply the exact medical
description of the surgical procedurerf ed
pe onn
CPYRGHT
0800080001-9
Charge for EACH Item. Emphasis is on the word
"each." The reason for this is best illustrated by
example. Suppose your plan pays basic benefits for
the first $75 of diagnostic X-rays and laboratory
work each year, but pays for doctor's services only
after a deductible has been met. If you submit a
bill from your doctor which indicates a charge of
"$35 for office visit, lab work, and X-ray," your
claim cannot be computed because the claims proc-
essor does not have the individual charge for each
item. He does not know haw much of the $35
charge was for laboratory work and X-ray and pay-
able immediately, as opposed to how much was for
the office visit and chargeable toward the deduct-
Those strange polysyllabic medical words are a help
rather than a hindrance to the person who settles
your claim.
Since all health insurance companies define who
is a "doctor" for purposes of their plan, it is also
important that your claims indicate who performed
the service for which you are seeking reimburse-
ment. The letterhead on which a doctor bills his
services indicates he is a medical doctor, osteopath,
dental surgeon, podiatrist, chiropractor, psycholo-
gist, or other practitioner. Claims personnel look
for this information because it has a bearing on
whether or not the service is covered by the plan.
ible. Many doctors routinely break down their
charges by item. If yours does not, ask his nurse or
receptionist to provide this information on the bill.
Prescription Number of Drugs and Medicines.
Typically, health insurance plans reimburse only
for the expenses of drugs or medicines obtainable
only on the written prescription of a licensed doc-
tor. This rules out all patent and over-the-counter
medicines such as aspirin, nosedrops, vitamins,
antacids, etc., even if recommended by your doctor.
When you get a prescription filled, ask your drug-
gist for a regular prescription receipt which indi-
cates the name of the patient, the date of purchase,
and the prescription number.
26
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Nature of the Illness or Diagnosis Related to Each
Expense. As a general rule, health insurance com-
panies insure against only those expenses which
are related to the treatment of illness, injury, and
pregnancy. They usually exclude preventive care
and routine check-ups and immunizations. There-
fore, you should, insofar as possible, clearly indicate
the nature of the illness or injury for the expenses
for which you are submitting your claim. Insurance
companies believe that annual physicals and routine
immunizations involve expenses which can be antici-
pated and should be budgeted for, rather than in-
sured against.
Other Ways to Save Effort and Time
There are two other ways in which you can
save yourself some effort in the job of submitting
claims. First, be familiar with the provisions under
which your plan pays benefits. By so doing, you
will avoid the wasted effort of submitting claims
for non-covered expenses and you might be able
to answer a lot of your own questions that arise
when you get back less payment for a claim than
you thought you should. Second, keep a record
of all medical expenses that you and your family
incur. If your plan does not already supply you
with such forms, it is easy to make your own?
preferably a separate form for each family mem-
ber. Allow for the following headings: Date Cost
Incurred, Amount of Cost, Paid To, Paid For, and
Amount Reimbursed by Insurance. Such a record
will help you keep track of what your have and
have not submitted to your insurance plan. And,
if you include all medical expenses on your per-
sonal record, both those which are not covered
by your insurance as well as those which are, you
will find this a very helpful record at income tax
time.
By taking a little extra time to make sure all
necessary information is included in your claim,
you can save time both for yourself and your in-
surance plan. Generally speaking, it costs almost
as much time and administrative expense to review
and reject a claim as it does to pay it. Since ad-
ministrative expense is paid for with your premium
dollars, you benefit as well as the insurance plan
when you submit a carefully prepared claim which
does not have to be handled twice.
CPYRGHT
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HOW TO SUGGEST
If you read in the newspaper about the report
Chairman John W. Macy, Jr., of the Civil Service
Commission presented to the President, you may
have wondered why you couldn't think up an
acceptable idea if 145,623 suggestions were adopted
by the Government last fiscal year with an average
award of $44. The changes are good that you can
with the right approach and presentation.
Presented below is a "check list" that the Sug-
gestion Awards Committee feels should prove help-
ful to you in stimulating your ideas and in giving
them the best possible presentation.
Look Closely At What We Do Know
Suggestions can concern your job or any other
job in your unit. Suggestions can relate to:
Forms
Equipment
Procedures
Safety
Service
Installation
Question The Rightness of Everything
Why do we do this?
Why does it take this long?
Why this form?
Why this step?
Why this equipment?
How can this item be improved?
How could the design be changed?
Could it be made of different material?
How can we reduce service problems?
Present Your Idea
State the problem clearly.
State the benefits from the change.
Explain exactly how the change should be
made.
Give all the facts:
Name and number of items or forms.
Where the suggestion applies.
Who is concerned.
CPYRGHT
Hints For Success
One improvement on a form.
Think it over from every angle.
Be specific.
Use sketches.
Present your ideas step by step.
Talk it over with your boss.
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N
634 WV C 6 AN
SECRET
Sanitized - Approved For Release : CIA-RDP78-04724A000800080001-9