Social Security in the United States
Social Security in the United States is a federal program that provides retirement, disability, and survivor benefits to eligible individuals and families.
Overview
Established in 1935, Social Security is funded through payroll taxes collected under the Federal Insurance Contributions Act (FICA).
Types of Benefits
- Retirement benefits – based on lifetime earnings and age of retirement.
- Disability benefits – for those unable to work due to medical conditions.
- Survivors benefits – paid to family members of deceased workers.
Funding
- Workers and employers each contribute 6.2% of wages (up to a wage cap).
- Self-employed individuals pay the full 12.4%.
Average Benefits in 2025
| Benefit Type | Monthly Average |
|---|---|
| Retirement | $1,850 |
| Disability | $1,500 |
| Survivors | $1,300 |
Government Resources
FAQs
Q: At what age can you claim Social Security retirement? A: Full retirement age is between 66–67 depending on birth year. Early retirement begins at 62.
Q: Is Social Security running out of money? A: The trust fund faces long-term funding challenges, but benefits continue to be paid.
Q: Are non-citizens eligible? A: Only certain non-citizens who have worked and paid into the system.