The majority of people in the United States link Social Security with retirement. That’s understandable given that it’s the most well-known aspect of the system. But it’s not the only one. Over time, Social Security has expanded to encompass a bigger safety net that extends beyond individuals in their 60s and preparing to retire.
In 2025, the Social Security Administration will continue to provide a variety of benefits based on different life conditions. Disability, financial trouble, or the death of a loved one might all qualify someone for assistance, even if they aren’t considering retirement yet. Unfortunately, many people are unaware that they may be eligible for assistance. Some do not apply at all.
It’s worth taking the time to learn about the many perks available and who is eligible for them. Much relies on your employment history, health, and present income. What you believed didn’t apply to you may in fact do.
What kind of Social Security benefits are available?
Retirement is simply one component. Other rewards are also significant, especially when life does not go as planned. Here’s a summary of what’s available in 2025.
- Retirement advantages. This is the most well-known one. If you’ve worked and contributed to Social Security for at least ten years, you can start receiving monthly payments as early as age 62. The amount you receive is determined by your earnings and the age at which you start collecting.
- Disability benefits (SSDI). If a medical condition prohibits you from working and is likely to last a year or more, you may be eligible for SSDI. You will need to have previous work experience and enough credits. It is not about age; it is about health and professional experience.
- Survivors benefit. When a person who has paid into Social Security dies, their family may receive financial assistance. This includes spouses, children, and, in some situations, dependent parents. The benefit amount is determined by what the deceased person paid into the system.
- The family benefits. Even if you are already receiving retirement or disability benefits, your spouse or children may be eligible for a monthly check as well. Many families are not aware of this. These benefits might help pay daily expenses and provide some financial security for the home.
- Supplemental Security Income (SSI). SSI is different. It is intended for persons with little income and resources, particularly the elderly, disabled, or blind. You do not need an employment history to qualify. The money is derived from regular tax revenues, not Social Security levies.
- Medicare. This is the health insurance section. It begins at age 65 for most people, or sooner if you’ve been on SSDI for at least two years. Medicare does not provide a monetary reward, but it can help you save thousands of dollars on healthcare.
- Each program has its own set of regulations, and not everyone will be eligible for all benefits. However, it is worth examining, especially if your circumstances have altered.
How to know if you qualify—and what to do next
The simplest approach to discover out what you may be qualified for is to create a my Social Security account at ssa.gov. You will be able to view your earnings history, predicted benefit amounts, and whether you are on schedule for retirement or other benefits.
It is a good idea to review your information on a frequent basis, rather than just once. Things change. A health problem, a job loss, or a family death can all have an impact on your entitlements. If you already get one benefit, your family may be eligible for additional benefits.
In the end, Social Security is more than just a retirement program. It’s a complicated system designed to safeguard you from life’s unexpected turns. comprehending it — truly comprehending it — can help you make better decisions and avoid missing out on support that is already available and waiting.