Social Security

Social Security is a government program that provides regular benefits to eligible workers and their families after the worker retires, becomes severely disabled or dies. The program is funded by Social Security taxes from employees, employers and self-employed workers.

Suspending Social Security Retirement Benefits and continuing to work past full retirement age is a big decision to make, with many factors to consider. This article discusses important considerations in making this decision, as well as the difference between suspending benefits and withdrawing from receiving benefits.


The Social Security Administration (SSA) pays disability benefits through two programs:  the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program.  This article provides an overview of the SSDI program. 

Many people have questions about how their pension plans or their 401K plan interface with Social Security. With many private pension and 401k plans, the contributors paid Social Security taxes on the funds that went into the plan. When Social Security taxes were paid up front, there is no impact on Social Security retirement benefits.

When a working person or a Social Security recipient dies, certain family members are entitled to apply for the deceased person’s Social Security benefits. These “survivor benefits” are intended to sustain the family when the income provider is lost. 

Those who live long enough, face the big question: “When should I start taking my Social Security Retirement Benefits?”  Like most of the big questions in life, there is no one, simple answer.  Whether you take your retirement benefits at age 62, at 67 or 70 will depend on your own individual work and financial situation.  There are pros and cons to each option, and we will discuss them here.

This website has been prepared for general information purposes only. The information on this website is not legal advice. Legal advice is dependent upon the specific circumstances of each situation. Also, the law may vary from state-to-state or county-to-county, so that some information in this website may not be correct for your situation. Finally, the information contained on this website is not guaranteed to be up to date. Therefore, the information contained in this website cannot replace the advice of competent legal counsel licensed in your jurisdiction.