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Social Security forms an important part of most people's retirement plans , but the program itself does much more than just that. In a nutshell, Social Security is designed to support disabled and retired workers and their families by providing a guaranteed source of lifetime income for those who meet certain criteria. Here's a closer look at how the program works, the different types of Social Security benefits available, and what you can expect when you're ready to claim benefits. Social Security is a government program that collects taxes from working Americans and distributes these funds to qualifying disabled workers, retirees, and their families to help them remain financially secure. A worker typically must earn 40 credits to qualify for Social Security, though if they die or are disabled young, they may qualify with fewer credits. You may claim Social Security based on your own work record, if you've earned enough credits, or you may be eligible to claim spousal benefits based on your current or ex-spouse's work record if this amount is larger than what you're entitled to on your own. Dependent children and other family members may also qualify for family benefits in certain circumstances. When you're ready to apply for Social Security , you must fill out an application online or at your local Social Security Administration office. A government representative will verify the information in your application to determine if you qualify and then you'll begin receiving monthly checks. Social Security retirement benefits are for workers 62 and older who have earned at least 40 credits. The Role Of Total Reward And Motivation
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