August 8, 2022

All About Social Security

Social Security encompasses a number of valuable financial welfare programs aimed at ensuring income for certain populations of qualified Americans.

The Social Security program was first established by President Roosevelt in 1935 and, in its infancy, was considered a retirement program designed to support older Americans.

Since then the Social Security program, under the Social Security Administration, has undergone a number of major revisions and become much more than just retirement benefits. Today it offers resources and financial support for the following:

  • Income for retired Americans
  • Income for unemployed Americans
  • Supplemental income for qualified disabled adults and children
  • Supplemental income for Americans with severe financial hardship
  • Supplemental income for widows and widowers
  • Medical benefits for retired Americans.

Workers’ Benefits: Earning Social Security

For most Americans, Social Security is known best as the cut of your income that’s deducted from your paycheck to pay into the Social Security program. Throughout most of our working lives, our Social Security payments are a promise that we will have income for our retirement years.

Your annual Social Security statement sent out from the Administration summarizes your earnings to date and shows what you might earn monthly if you were to start receiving benefits at your current income level.

Unemployment Compensation

Despite the fact that Unemployment Compensation benefits are state-mandated, the programs were inspired with the original 1935 Social Security Act, so it’s largely regarded as an adjunct program. As a wage earning American you are entitled to receive income from your state government if you are suddenly unemployed through no fault of your own.


The Social Security Disability program provides additional monthly income for qualified adults and children suffering from severe disabilities and/or medical conditions. For adults especially, qualifying is not easy. The application review process may take up to six months to complete. Applicants are required to earn less than $1,000 per month, have a disability or medical condition that impacts their ability to perform their jobs, possess limited additional education or training, plus much more.

Supplemental Income

Supplemental Security Income (SSI) provides financial support to qualified adults and children suffering from disabilities or severe medical conditions with the additional burden of financial hardship.


Medicare is basically medical insurance for folks in their retirement years or nearing retirement age—working or not. This program ensures that older Americans have adequate medical care during a particularly vulnerable time in their lives. Medicare is comprised of three parts: Medicare Part A (hospital care), Medicare Part B (medical care), Medicare Part C (the Advantage programs), and Medicare Part D, the infamous prescription drug coverage.

Learn more about these and all the Social Security programs, including forms, educational resources, and more, at the official U.S. Social Security Administration website. ( )

All About Your Social Security Number

Your social security number is one piece of personal information that should be protected at all costs. If this falls into the wrong hands then you could be the victim of identity theft. People can use this number to get credit cards and many other things in your name and based on your credit history.

Social Security Number

This government issued number is a must have for many things in life. It is used to determine your eligibility for this such as employment and government benefits. Government benefits include, but are not limited to, social services and even your retirement benefits.

You must have a social security card with your number on it to apply for a driver’s license. This is often required for purposes such as to file your yearly income taxes. If you try to open a bank account or a new line of credit then they will also ask for a copy of your social security card. Virtually anything you do that requires proof of who you are will first require this number.

This number should always be kept in a secure place. Never throw away any mail or papers than have your number printed on them. If it falls into the wrong hands then they could do serious damage to your credit and you could end up being responsible for bills put in your name. Never enter your number online unless you are sure the site you are on is secure.

A new card can be obtained from your local social security office. Proper identification will be required. A driver’s license is preferred but you may also use a pass port or other legal proof of your identity. If you are applying for a copy of your child’s card then you must have school records or documents as well as proof of your identity.

If you need a card with only the name changed then you will usually be required to provide proof of identity along with documentation that your name has legally changed. This may include a copy of your marriage license or divorce papers to return to your maiden name. Adoption papers or a court decree may be required to change a child’s name on their card.

Each number is unique and you can only have one. Every United States born citizen is required to have a social security number and you can apply for one for your child as soon as they are born. This will be how they are identified by the government for the rest of their lives. It should also be noted that there is a limit to the number of free copies you can receive in a lifetime.

This one number is the most important number you will ever have. When you apply for a mortgage, car loan, or any type of government service this is one of the first things you will be asked for. Once they have this number they can literally bring up your life history. If you have questions regarding this then contact your local social security office for information. This information may also be found online through some government websites.

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How To Get A Social Security Card Replacement

Perhaps no document, or piece of identification, is as important in the Unites Sates of America as a social security card. These are necessary in order to procure legal employment, and the ability to earn a paycheck may well depend on it. If yours is lost, ruined, or otherwise misplaced, you will want to know how to social security card replacement.

First and foremost, you will need to locate an office that can take care of this near you. Going online will provide the information you need, and you can locate the nearest physical spot in order to take care of business. This is not something you can complete online, so know that you will have to show up in person in order to do this.

While you are online finding the location of an office, you can download the paperwork that will be necessary while you are at it. This can save and time, and you can be prepared before you even set foot in the necessary building. Be sure that all of the information is accurate, and legible, and make sure you have the appropriate fees, too.

You will need two forms of identification, and will need to present these forms of ID in person. You will be scrutinized as to ascertain that you are indeed who you claim to be. You will need to provide proof of your Unites States citizenship to the clerk. A birth certificate is a good idea, or naturalization papers. Copies and facsimiles are not acceptable, so be sure to bring in original copies.

You will need to also provide a valid photo identification card. This can be in the form of a drivers license, a state issued identification card, or a passport. Again, these also must be in their original state. No copies or facsimiles will be acceptable. Make sure they are all current and up to date. If necessary, go to the local Department of Motor Vehicles for new ones.

When you have all of the proper paperwork and identification, you will take it all to the nearest office of social security. Bring your paperwork, and check it for accuracy yet again. Once there, you will present the paperwork to a clerk, along with the necessary fees, and show that you are a citizen of the country.

The clerk will gather all of this information, and verify your citizenship status. They will make the necessary copies and fill out the necessary forms, and then it is all over but for the waiting. You can get receipts for your records, and a temporary status. Your number will remain the same, however, so you can still use that information for forms.

In a short time a new card will simply arrive in the mail. Be sure to sign it, as this makes the card active, so to speak. And keep the new one in a safe place so you will not have to worry about how to get a social security card replacement in the future. This type of identification does not have to be carried on your person like a drivers license, so keep it put away until you have the need to show it.

For more information about getting a replacement Social Security Card, check out these links:

The History of Social Security

The depression of 1929 brought a great deal of hardship to the American people. Because of the many problems, that were brought about by this depression, in 1934 President Franklin Roosevelt introduced the idea of a program for social security. He appointed a committee to study the country’s economic problems and make recommendations to Congress.

In the fall of 1934 there was a national town-hall meeting regarding the proposed program with a report to the Congress being drafted and presented,aid to dependent children and regarding their proposal. This bill was passed in July and sent to the president for his signature. On August the 4th 1935, President Roosevelt signed the Social Security Act into law.

There were a number of provisions for general welfare as well as a program to pay retired workers, 65 years or older, a continuing income after retirement. Upon signing the law, President Roosevelt made a statement specifying that it would be impossible to ensure all of the population against the problems of life, but an attempt was made to produce a law that would help the average citizen, as well as his family, against the loss of a job or poverty in his or her old age.

This original program included old-age assistance, unemployment insurance,grants to states for various kinds of Medical Care, and aid to dependent children. Disability coverage and medical benefits were not included in the original act. Two major provisions being grants to states for old-age assistance (welfare programs for the aged) and Federal Old-Age benefits.

Federal Old-Age Benefits Program was the original name of what is now called Social Security. Originally these benefits were paid only to a worker when they reached the age of 65. Benefits were based on payroll tax contributions, made by the worker, during their period of employment.

Taxes for this program were collected in 1937 and payments began in 1940. The premise of this program was to provide economic security through a contributory system with the workers paying into a retirement plan. It was believed, at that time that the ‘relief’ portion of the program would eventually be dropped, as more people were employed, with only retirement provisions remaining.

A trust fund was established to hold the contributed funds. These funds are currently under the auspices of the Social Security Administration. It is interesting to note that the first applicant for benefits was a person who retired one day after the program began. Five cents was withheld from his pay for Social security and, when retired he received seventeen cents as a lump sum payment. In 1937 there were 52,238 people collecting benefits with a total paid out of $1,278,000. In 2008, 50,898,224 were collecting benefits with a total paid out of $615,344,000,000. As wages increased, with higher contributions made through payroll deductions, the amount of retirement checks also increased, which accounts for the huge difference between a 1937 and 2008.

There have been a number of changes to the program since its inception. Social security income, for example, is now subject to taxation by the government. In addition, in 1996 a bill was passed that applicants for Social Security or SSI disability would not be eligible if they had drug addiction are alcoholism. The eligible age for a person to collect benefits has been increased to 67, depending on the year of birth, and prisoners may not draw SS checks.

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