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Abraham Epstein actuarial adequate administration adopted age pension laws age pension system age relief almshouses altho American Labor Legislation amount ance annuities average benefits bill burden cent citizens compulsory Congress Congressional Record contributions contributory cost dole dollars effect employees enactment established experience fact federal I. M. Rubinow income increase indigent individual industrial pensions institutions J. E. Johnsen Labor Legislation Review less means ment millions month Monthly Labor Review Murray Webb National Civic Federation non-contributory number of persons old age dependency old age insurance old age pensions old age security operation paid payments Pennsylvania pension plans poor relief poorhouse population present proposals public old age result retirement savings scheme sions sixty-five social insurance social security society system of old taxation thrift thru tion Townsend plan unemployed United wage earners workers York