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06/05/2015 - U.S. Social Security Administration





U.S. Social Security Administration


Social Security reaches almost every family, and at some point, touches the lives of nearly all Americans.  

Social Security helps older Americans, workers who become disabled, and families in which a spouse or parent dies. Today, about 167 million people work and pay Social Security taxes and about 59 million people receive monthly Social Security benefits.  

Most of our beneficiaries are retirees and their families—about 42 million people. But Social Security was never meant to be the only source of income for people when they retire. Social Security replaces about 40 percent of an average wage earner’s income after retiring.  While 40 percent is a great place to start, it’s a terrible place to finish. And, that’s why it’s important to plan and save for your retirement.  Most financial advisors say retirees will need 70 -80 percent or more of pre-retirement earnings to live comfortably. To have a comfortable retirement, Americans need more than Social Security. They also need savings, investments, pensions, or a retirement account.  

Social Security is more than retirement

Many people think of Social Security as just a retirement program. Most of the people receiving Social Security do get retirement benefits, but others get Social Security because they’re:

  • Disabled
  • A spouse or child of someone getting Social Security
  • A spouse or child of a worker who died
  • A dependent parent of a worker who died.  

Depending on your circumstances, you may be eligible for Social Security at any age. In fact, Social Security pays more benefits to children than any other government program.  


Social Security Programs

  • Retirement, Survivors and Disability Benefits

Social Security is insurance that pays retirement, disability, and survivors benefits to eligible workers and their families. Workers have taxes taken out of their paychecks to earn Social Security insurance credits. Employers also pay part of this cost.  

What you can do online at www.SocialSecurity.gov  

Get your free personal online my Social Security account today!

my Social Security is a free online account that allows people quick, secure access to their personal Social Security information. Individuals can use my Social Security to access their Social Security Statement to check their earnings and get estimates of future retirement, disability and survivor benefits you and your family may receive.


Social Security: Kids and Families

Here you will find what every kid and parent should know about Social Security.  This site provides materials for children and parents to learn about Social Security and why it is important to them. 


Social Security 101:  What’s In It For Me? video

Are you a college student or young worker getting started on your career? Curious what that FICA tax is that comes out of your paycheck?  Want to know how Social Security can help young people?  Are you looking for tips on savings and planning for your financial future? 


Social Security is Important to Young People and Young Workers

Social Security is important to young people, even before they start working.  When a parent becomes disabled or dies, Social Security benefits help provide the necessities of life for family members.  Social Security also provides benefits to young workers and their families if they become disabled and have worked in covered employment.


Calculators:  Online Calculator

This calculator allows you to estimate your Social Security benefit—retirement, disability and survivors benefit. You need to enter all your past earnings, which are shown on your online Social Security Statement.


Estimate Your Retirement Benefits

Deciding when to retire is one of the most difficult decisions many people face.  The Retirement Estimator provides immediate and personalized benefit estimates based on your earnings record.  And, best of all the Retirement Estimator is an interactive tool that allows you to compare different retirement options.


Apply online for disability, retirement or spouse’s benefits

If you become disabled and unable to work, you can apply online for disability benefits, or, when you are ready to retire, you can apply online for retirement benefits and your spouse can apply online for spouse’s benefits.



  • Our second National my Social Security Week begins on Sunday, July 19th and ends on Saturday, July 25th
  • Our message is “Prepare for your SOMEDAY.  Join the millions and discover your benefits.  Open a my Social Security account.
  • Social Security turns 80 on August 14th.  This year marks the 80th Anniversary of the Social Security Act.  When President Franklin Delano Roosevelt signed this act into law, he was determined to keep older Americans from ending up in poverty after a lifetime of hard work.
  • Congress has vastly expanded the Social Security Act over the years to protect all Americans against falling into dire poverty or avoidable illness due to old age, disability or lack of resources.
  • Who knows what new service options Social Security will be offering our customers 80 years from now, or how new advances in data management could revolutionize the way we keep track of worker’s earnings/
  • What we can say for certain is that Social Security will continue to adapt, to innovate, and to embrace change as we have always done in the past.  And with the help of our dedicated partners, we will keep working to improve the lives of American families as President Roosevelt and Congress intended back in 1935.  


  • We need your help! We hope you will join our efforts to make our second National my Social Security Week a huge success.
  • We ask that go to www.socialsecurity.gov/thirdparty website and click on the my Social Security panel which will take you to the my Social Security Toolkit.

We ask that you support Social Security by:  

  • Posting our web widget to your website and encourage your employees, members and partners to create a my Social Security account  
  • Publishing our my Social Security articles in your newsletter/blog  
  • Using our Facebook and Facebook posts to post to your social media site in support of my Social Security.  


Irene C. Saccoccio
National Public Affairs Specialist
Social Security Administration
Office of Communications
Office of External Affairs
Phone: 410-965-3779
Email: Turn on JavaScript!