(877) 405-0486 (Torrington) or (800) 772-1213

Social Security Retirement Benefits:  Social Security, also called OASDI (Old Age, Survivors and Disability Insurance) is a federal program for retired and disabled, as well as survivors of a deceased wage earner.  A worker may retire at 62 and receive a reduced benefit. Most workers receive a full benefit at 66. Benefit amounts depend on wages earned and the number of quarters of coverage credited to the individual’s Social Security record.  A survivor’s benefits are figured as a percentage of the deceased worker’s primary insurance.  Social Security Disability: provides monthly cash benefits and insurance for disabled workers who are not capable of substantial gainful work, and who have completed a five-month waiting period.  Supplemental Security Income:  A federal income maintenance program for the aged, blind and disabled.  Unlike Social Security, SSI has limits on the amount of money and resources a recipient can have.  Recipients may receive both Social Security and SSI, if eligible for both.