There are four basic types of social benefits: retirement, disability, survivors and supplemental benefits.
- Retirement Benefits
You can start collecting retirement benefits as early as 62 with more than 10 years of work experience. The amount of benefits vary based on your pre-retirement salary as well as the age at which you begin collecting benefits. Your spouse who are not qualified for retirement benefits may also be eligible for this according to your work record.
- Disability Benefits
Disability benefits could support people who cannot work because of disabilities. However, just like retirement benefits, you have to worked a certain number of years to be eligible for Social Security Disability Insurance (SSDI) benefits. The amount of work you need depends on your age. Your monthly benefit amount depends on your pre-disability salary.
Besides, this benefits could be available for your spouse or divorced spouse as well.
- Survivors Benefits
This benefits are designed for widows and widowers, divorced spouses and children.
According to the 2015 U.S. Supreme Court decision (Obergefell v. Hodges), the same-sex couples could get access to Social Security benefits such as Survivors Benefits.
How much money one can receive depends on several factors, such as the worker’s age at death, the salary, the survivor’s age and etc.
- Supplemental Security Income Benefits (SSI)
SSI helps people who are unable to earn enough wages on their own, for example, adults with disabilities, children with disabilities and elder people who are 65 or older.