1965-1970 Kennedy Halves are clad. The outer layers are 80% silver and 20% copper and the core is 20.9% silver and 79.1% copper.
Let me rephrase that. They are not generally referred to as just clad. If they arent called 40% then it is silver clad. At least IME.
I have heard them referred to as "silver clad" many times, which in fact is the most accurate way to describe them.