Social Security is a series of connected programs, each with its own set of rules and payment schedules. All programs have one thing in common, and that is benefits are paid to a retired or disabled worker, or to the workers dependent or surviving family which is based on the workers average wages, salary, or self employment.

This article is intended for educating the eligibility requirements of the Social Security system.

Retirement Benefits

A person may choose to begin receiving retirement benefits as early as age 62. However, the amount of benefits permanently increases for each year you wait, until the age of 70. The amount of you retirement benefits will be between 20% of your average income if compensation was high and 50% if compensated low. For a 66 year old single person first claiming retirement benefits in 2009, the average monthly benefit is about $1,150.00 and $1,900.00 for a couple. The highest earners first claiming their benefits in 2009 would receive about $2,300.00 per month and $3,400.00 for a couple. These benefits increase yearly with the cost of living.

Disability Benefits

If you are younger than full retirement age but have met the work requirements and are considered disabled under the Social Security programs medical guidelines, you can receive disability benefits. The amount of such benefits will be determined to be equal to what retirement benefits would be.
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