Advantages And Disadvantages Of Social Security 

Social Security is a pay-as-you-go program in the United States. The goal of the program is to provide benefits to retired and unemployed people. The current benefit for retired workers is $1,400 per month, and disabled workers get an additional $1000. A widow with two children qualifies for over $2600 per month. 

There are various advantages of the Social Security program. It can be a safety net for people who want to live a stress-free retired life and a lifesaver for disabled people. However, there are some downsides too. It is important to understand the pros and cons before deciding. Contact a Springdale social security disability attorney to understand the laws and your rights. 

Advantages and disadvantages of social security 


  • You can get an income even after your retirement. 

Most people have no clue or plans about how to pay for expenses once they hit the age of retirement. Perhaps the main advantage of the Social Security program in Springdale is that it lets you receive a monthly income without working. Moreover, if you have a disease that may limit your lifespan, you can start collecting the benefits at an early age. 

  • You can collect your spouse’s benefits. 

Although Social Security was originally established to assist people in their retirement days or when they suffer from disabilities, unemployed spouses are also eligible to collect the benefits. According to the rules, a non-working spouse can collect as much as 50% of the benefits. However, the couple must be married for at least 12 months to be eligible. 

  • It is a lifetime income. 

The more you work, the more money you put into your Social Security benefits. When you reach the age of retirement, you can claim these benefits and enjoy a monthly amount for the rest of your life. You can have a definite income whether or not you go to work. You can utilize this money in whichever way you want. 


  • There are limits on eligibility. 

Unfortunately, Social Security benefits are not for everyone. To be eligible, you need to earn a total of 40 credits, with a maximum of four credits each year. Even if you have worked for a long time but do not have 40 credits, you won’t receive your earned benefits. Also, people who have immigrated to the US late in life and those with an unsteady work history are not likely to receive benefits as well. 

  • It rewards high-income earners. 

Social Security benefits are based on the number of credits you earn, which are based on your income per year. If you do not have enough credits, you cannot draw the benefits. 

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