Monthly payment of social security taxes will certainly go a long way. From the small amounts collected by the government from their salary, a worker and some of his family members will be eligible to receive benefits once they retire or when they incur suffer from a disability. These benefits have proven to be of great help even to beneficiaries of demised workers who have paid enough social security taxes.

The benefits received by these workers differ from that given to beneficiaries of Supplemental Security income. Just like the benefits received by the workers, the SSI is also managed by the Social Security Administration. However, the funds for the SSI is taken from the general taxes and so even those who cannot afford to pay the social security taxes can benefit from it.

Generally, there are three insurance programs that a worker can benefit from.

Disability Insurance Program

The Social Security Disability Insurance Program ( or the SSDI) provides benefits to workers who can no longer work because of their disability.

These benefits can also be extended to the worker's children who incurred their disability before the age of 22. It would not matter whether the adult child was able to pay social security taxes while working as his benefits will come from the earning records of his parents.

It is important, however, that the disabled adult child or the worker himself does not have the capacity to earn "substantial" amount of income as this automatically disqualifies an applicant from being granted with disability benefits.

Though many apply for this program, not all of them are able to receive benefits. But, they can appeal their claims with the help of social security disability attorneys in Los Angeles who can present the merits of their claim and prove their eligibility.

Retirement Insurance Program

One of the reasons why a worker pays social security taxes is so that he can secure his future by making sure that he will receive monthly benefits even after reaching his full retirement age.

Workers applying for retirement benefits must keep in mind that they will have higher benefits if they reach their full retirement age before applying as compared to reduced benefits for those who will apply for an early retirement. Full retirement age varies depending on the person's date of birth. It would be best to consult with an SSA personnel to determine the full retirement age.

Survivors Insurance Program

Survivor benefits are received by the parents, widow/widower, and children of the worker who was able to pay enough social security taxes. The widow/widower is eligible to apply for retirement and disability benefits as well as the unmarried and disabled child of the deceased.

Filing an application form will not guarantee the benefits that the applicant is claiming. Once the application has been rejected, they must immediately consult with lawyers who can assist them.