It is important to note that the numismatic value of a coin can be influenced by various factors such as its grade, rarity, and condition. This means that depending on the specific condition and grade of your 1960 silver ben Franklin 50 cent piece, its value may differ from the melt value of its silver content. To determine the accurate numismatic value of your coin, it is recommended to consult with a professional numismatist or coin dealer.