The United States Social Security Administration (SSA)[2] is an independent agency of the U.S. federal government that administers Social Security, a social insurance program consisting of retirement, disability and survivor benefits. To qualify for most of these benefits, most workers pay Social Security taxes on their earnings; the claimant's benefits are based on the wage earner's contributions. Otherwise benefits such as Supplemental Security Income (SSI) are given based on need.
The Social Security Administration was established by the Social Security Act of 1935 and is codified in 42U.S.C.§901 (49Stat.635). It was created in 1935 as the "Social Security Board", then assumed its present name in 1946. Its current leader is Martin O'Malley.
SSA offers its services to the public through 1,200 field offices, a website, and a national toll-free number. Field offices, which served 43 million individuals in 2019,[3] were reopened on April 7, 2022 after being closed for two years due to the COVID-19 pandemic.[4]
SSA is headquartered in Woodlawn, Maryland, just to the west of Baltimore, at what is known as Central Office. In addition to its 1,200 field offices, the agency includes 10 regional offices, 8 processing centers, and 37 Teleservice Centers. As of 2018[update], about 60,000 people were employed by SSA.[5] Headquarters non-supervisory employees of SSA are represented by American Federation of Government Employees Local 1923.
SSA operates the largest government program in the United States.[6] In fiscal year (FY) 2022, the agency expects to pay out $1.2 trillion in Social Security benefits to 66 million individuals.[1] In addition, SSA expects to pay $61 billion in SSI benefits to 7.5 million low-income individuals in FY 2022.
The first Social Security office opened in Austin, Texas, on October 14, 1936. [10] Social Security taxes were first collected in January 1937, along with the first one-time, lump-sum payments.[8] The first person to receive monthly retirement benefits was Ida May Fuller of Brattleboro, Vermont. Her first check, dated January 31, 1940, was in the amount of US$22.54.[11]
One part of SSA headquarters in Woodlawn, MarylandAnother view of SSA headquarters in Maryland
SSA was one of the first federal agencies to have its national headquarters outside of Washington, D.C., or its adjacent suburbs. It was located in Baltimore initially due to the need for a building that was capable of holding the unprecedented amount of paper records that would be needed. Nothing suitable was available in Washington in 1936, so the Social Security Board selected the Candler Building on Baltimore's harbor as a temporary location. Soon after locating there, construction began on a permanent building for SSA in Washington that would meet their requirements for record storage capacity. However, by the time the new building was completed, World War II had started, and the building was commandeered by the War Department. By the time the war ended, it was judged too disruptive to relocate the agency to Washington. The Agency remained in the Candler Building until 1960, when it relocated to its newly built headquarters in Woodlawn.[16]
The road on which the headquarters is located, built especially for SSA, is named Security Boulevard (Maryland Route 122) and has since become one of the major arteries connecting Baltimore with its western suburbs. Security Boulevard is also the name of SSA's exit from the nearby Baltimore Beltway (Interstate 695). A nearby shopping center has been named Security Square Mall, and Woodlawn is often referred to informally as "Security." Interstate 70, which runs for thousands of miles from Utah to Maryland, terminates in a park and ride lot that adjoins the SSA campus.
Due to space constraints and ongoing renovations, many headquarters employees work in leased space throughout the Woodlawn area. Other SSA components are located elsewhere. For example, the headquarters (also known as Central Office) of SSA's Office of Disability Adjudication and Review is located in Falls Church, Virginia.
Field offices
SSA has a network of more than 1,200 community-based field offices. In fiscal year 2019, 43 million individuals visited these field offices to apply for benefits, get an original or replacement Social Security card, or receive other services.[17] Field offices reopened in April 2022, after being closed for two years due to the COVID-19 pandemic.
SSA provides a field office locator service, where members of the public can find office phone numbers and addresses.[18]
SSA also provides services through a national toll-free number (1-800-772-1213) and a website. Retirement and disability benefits can be applied for online.[19] For survivor benefits, however, members of the public must call or visit SSA in person to apply. In most states, individuals seeking a replacement Social Security card can apply for one online.[20]
Members of the public can also apply for Supplemental Security Income at SSA's field offices. Field office staff will also assist SSI applicants with an application for food assistance through the SNAP program.
Program Service Centers
The two buildings in the center, part of Lefrak City in Rego Park, Queens, housed the Northeastern Program Service Center until ...... it was moved to the Joseph P. Addabbo Federal Building in Jamaica, Queens, in the late 1980s.The Mid-America Program Service Center is housed in the Richard Bolling Federal Building in Kansas City, Missouri.
Much of the actual processing of initial benefits and subsequent adjustments to benefits is done in six large Program Service Centers located around the country.[21]
The two main positions in Program Service Centers have long been Claims Authorizers and Benefits Authorizers.[22][23] Claims Authorizers, now sometimes called claims specialists, establish initial benefits for program recipients.[24] Benefits Authorizers process complicated changes of entitlements to existing beneficiaries, including life events, overpayments, underpayments, and so forth.[24][23] The claims position is the higher-ranking of the two and initially required a college degree whereas the post-entitlement position did not.[23] For decades, post-entitlement actions have been processed through a system known as Manual Adjustment, Credit and Award Processes (MADCAP).[25]
They have been located in these six cities going back to at least the early 1950s.[28] The origins of the payment centers date back to 1942, when they were known as Area Offices.[29] The first one was established in Philadelphia, with ones in New York, Chicago, San Francisco, and New Orleans, Louisiana, soon following.[22]
In addition, there are specialized processing centers for the Office of Earnings and International Operations and the Office of Disability Operations, both located in Baltimore.[21]
Form SSA-101 was the central form used in Program Services Centers for indicating initial entitlement to benefits.Form SSA-2795 was the central form used in Program Services Centers for changing entitlements to benefits.
Before the mid-1970s, the Program Service Centers were called Payment Centers.[30] By the late 1960s, the Payment Centers had acquired a reputation as sources of poor bureaucratic performance that people did not want to work in, and a reorganization under a modules system was undertaken during the 1970s in an effort to improve matters.[22] Each module would be assigned a certain block of social security numbers and it would process all aspects of a claim, from initial entitlement through various changes, notifications to beneficiaries, and so forth.[23] Decades later, the modules system was still seen as one of the great improvements in SSA processing.[23]
The centers have each employed around two thousand people or more, giving them a major local economic impact, and even relocations within the same metropolitan area have created political conflict. When in the early 1970s, SSA and the General Services Administration said it intended to move payment center operations out of San Francisco and across the East Bay to Richmond, the move was opposed by San Francisco-representing Congressman Phillip Burton.[31] Burton's efforts were in vain, however, as construction in a redevelopment area in Richmond commenced and the move was made around 1975.[27]
Similarly, in the late 1970s, SSA, the General Services Administration, and the Carter administration devised a plan to move the program service center from its main location, in two leased buildings on Horace Harding Expressway in Lefrak City in Rego Park, to a new federal building planned for a revitalization zone in the center of the Jamaica area of Queens.[32][33] The move was championed by Congressman Joseph P. Addabbo, who represented Jamaica and whose district would gain the over 2,000 federal workers involved, but was opposed by Congressman Benjamin Rosenthal, whose district would lose them.[34] According to Rosenthal, the potential negative impact of the move affected the Elmhurst and Corona neighborhoods most strongly.[35] The move was also supported by Representative Geraldine Ferraro, another powerful Queens figure, who sat on the House Public Works Committee.[32] The dispute was aired in Congressional hearings and embroiled Senator Daniel Patrick Moynihan and developer Richard Lefrak, supporting and opposing the move respectively, as well.[36] In the event, the move went forward and the new, 11-story building in Jamaica – by then named the Joseph P. Addabbo Federal Building, as the congressman had died in the interim – opened in 1988.[37]
Coverage
The Mid-Atlantic Program Services Center in Philadelphia
Initially, only 56 percent of the jobs in the United States were covered by Social Security. Today, the system is nearly universal, with 94 percent of individuals in paid employment in the United States working in covered employment.[38]
State and local government workers are not required to participate in the Social Security program if they participate in a public retirement system through their employers. However, state and local governments, through agreements known as Section 218 agreements,[39] may elect to participate in the program. Of the 23.2 million state and local workers in the United States, about 6.6 million are not covered by Social Security. Other workers not covered by Social Security include federal employees hired before 1984, railroad workers, some family employees, some students, and some members of the clergy.[38]
If a job is not covered by Social Security, workers and employers do not pay Social Security payroll taxes. Social Security retirement and disability benefits are not payable unless individuals have sufficient work in Social Security covered employment. Individuals who work part of their careers in covered employment and part of their careers in non-covered employment and who receive pensions from non-covered employment may have their Social Security benefits reduced through the Windfall Elimination Provision (WEP)[40] or the Government Pension Offset (GPO).[41]
Railroad workers were covered by the Railroad Retirement Board before Social Security was founded. Today, they still are, though a portion of each railroad pension is designated as "equivalent" to Social Security. Railroad workers also participate in Medicare. All state and local government employees hired since 1986, or whom are covered by Section 218 Agreements, participate in Medicare even if not covered for purposes of Social Security benefits.[42]
Old age, survivors and disability
SSA administers the retirement, survivors, and disabled social insurance programs, which can provide monthly benefits to aged or disabled workers, their spouses and children, and to the survivors of insured workers. In 2010, more than 54 million Americans received approximately $712 billion in Social Security benefits. The programs are primarily financed by taxes which employers, employees, and the self-insured pay annually. These revenues are placed into a special trust fund. These programs are collectively known as Retirement, Survivors, Disability Insurance (RSDI).
SSA administers its disability program partly through its Office of Disability Adjudication and Review (ODAR), which has regional offices and hearing offices across the United States. ODAR publishes a manual, called HALLEX, which contains instructions for its employees regarding how to implement its guiding principles and procedures.
The RSDI program is the primary benefits program administered by the U.S. federal government, and for some beneficiaries is the vital source of income. Increasing access to this benefit program for low-income or homeless individuals is one of SSA's goals. SSA is a member of the United States Interagency Council on Homelessness[43] and works with other municipal, county, state, local and federal partners to increase access and approval for SSI/SSDI benefits who are eligible.
Supplemental Security Income (SSI)
An SSA field office in Ann Arbor, Michigan
SSA also administers the Supplemental Security Income (SSI) program, which is needs-based, for the aged, blind, or disabled. Prior to the 1972 Amendments to the Social Security Act, low-income aged, blind, or disabled persons received benefits from state-run programs called Old-Age Assistance, Aid to the Blind, and Aid to the Permanently and Totally Disabled. These programs received federal funding, but varied in terms of eligibility requirements and benefit payments. The 1972 Amendments replaced these programs with the SSI program. SSA was assigned responsibility for the SSI program and began operations in 1974.[44] Federal benefit payments up to $914 for an SSI individual and $1,371 for an SSI couple are available from the program. SSI benefits are paid out of the general revenue of the United States of America. Some states supplement the federal amount.
Because SSI is needs-based, eligibility is restricted to persons with limited income and resources. In addition, eligibility is generally restricted to U.S. citizens, nationals, and some other groups (such as some refugees) who reside in one of the 50 U.S. states, the District of Columbia, or the Northern Mariana Islands.[45] U.S. citizens and nationals who reside in American Samoa, Guam, Puerto Rico, and the U.S. Virgin Islands are not eligible for SSI.[46] In 2019, 8 million individuals received SSI, including 1.1 million disabled children, 4.6 million disabled adults, and 2.3 million persons 65 or older.[47]
In some cases, individuals may be eligible for Social Security (RSDI) benefits and SSI benefits. For example, a disabled individual who worked in Social Security-covered employment and who has limited income and resources may receive a Social Security disability benefit (due to employment prior to disability) and a partial SSI benefit (due to limited income and resources). SSA refers to these beneficiaries as "concurrent" beneficiaries.
Medicare
The administration of the Medicare program is a responsibility of the Centers for Medicare and Medicaid Services, but SSA offices are used for determining initial eligibility, some processing of premium payments, and for limited public contact information. They also administer a financial needs-based program called Extra Help, which helps beneficiaries pay the premiums, deductibles, and coinsurance associated with prescription drug coverage under Part D of Medicare. Benefits under this program are estimated to be worth about $5,000 per year. Individuals may apply online for the Extra Help program or by calling SSA.[48]
Operations
To ensure consistent and efficient treatment of Social Security beneficiaries across its vast bureaucracy, SSA has compiled a giant book known as the Program Operations Manual System (POMS) which governs practically all aspects of SSA's internal operations. POMS describes, in excruciating detail, a huge variety of situations regularly encountered by SSA personnel, and the exact policies and procedures that apply to each situation.[49]
Automation
IBM tabulating machines in use at SSA circa 1936A few of the hundreds of keypunch operators SSA employed throughout the late 1930s and into the 1950s
While the establishment of Social Security predated the invention of the modern digital computer, punched card data processing was a mature technology, and the Social Security system made extensive use of automated unit record equipment from the program's inception. This allowed the Social Security Administration to achieve a high level of efficiency. SSA expenses have always been a small fraction of benefits paid. As a percentage of assets, the administration costs are 0.39%.[50]
Adjudication
SSA operates its own administrative adjudication system, which has original jurisdiction when claims are denied in part or in full. SSA decisions are issued by Administrative Law Judges and Senior Attorney Adjudicators (supported by about 6,000 staff employees) at locations throughout the United States of the U.S. Office of Hearing Operations, formerly Office of Disability Adjudication and Review (ODAR), who hear and decide challenges to SSA decisions. Dissatisfied claimants can appeal to ODAR's Appeals Council, and if still dissatisfied can appeal to a U.S. District Court.
Over the years, OHO aka ODAR has developed its own procedural system, which is documented in the Hearings and Appeals Litigation Law Manual (HALLEX) (HALLEX). ODAR was formerly known as the Office of Hearings and Appeals (OHA) and, prior to the 1970s, the Bureau of Hearings and Appeals. The name was changed to ODAR in 2007 to reflect the fact that about 75% of the agency's docket consists of disability cases. OHO aka ODAR also adjudicates disputes relating to retirement claims and has jurisdiction when the paternity of a claimant or the validity of a marriage is at issue when a claim is filed for benefits under the earnings record of a spouse or parent. The agency also adjudicates a limited number of Medicare claim issues, which is a residual legacy from when SSA was part of the U.S. Department of Health and Human Services.
Statistical publications
Each year, just before Mother's Day, SSA releases a list of the names most commonly given to newborn babies in the United States in the previous year, based on applications for Social Security cards. The report includes the 1,000 most common names for both genders. The Popular Baby Names page on the SSA website provides the complete list and allows searches for past years and particular names.[51] For privacy reasons, SSA does not publish data for names with fewer than five occurrences in any given year.[52]
In the United States, Social Security is the commonly used term for the federal Old-Age, Survivors, and Disability Insurance (OASDI) program and is administered by the Social Security Administration (SSA). The Social Security Act was passed in 1935, and the existing version of the Act, as amended, encompasses several social welfare and social insurance programs.
In the United States, Medicaid is a government program that provides health insurance for adults and children with limited income and resources. The program is partially funded and primarily managed by state governments, which also have wide latitude in determining eligibility and benefits, but the federal government sets baseline standards for state Medicaid programs and provides a significant portion of their funding.
Medicare is a federal health insurance program in the United States for people age 65 or older and younger people with disabilities, including those with end stage renal disease and amyotrophic lateral sclerosis. It was begun in 1965 under the Social Security Administration (SSA) and is now administered by the Centers for Medicare and Medicaid Services (CMS).
Supplemental Security Income (SSI) is a means-tested program that provides cash payments to disabled children, disabled adults, and individuals aged 65 or older who are citizens or nationals of the United States. SSI was created by the Social Security Amendments of 1972 and is incorporated in Title 16 of the Social Security Act. The program is administered by the Social Security Administration (SSA) and began operations in 1974.
The Federal Old-Age and Survivors Insurance Trust Fund and Federal Disability Insurance Trust Fund are trust funds that provide for payment of Social Security benefits administered by the United States Social Security Administration.
The Centers for Medicare & Medicaid Services (CMS), is a federal agency within the United States Department of Health and Human Services (HHS) that administers the Medicare program and works in partnership with state governments to administer Medicaid, the Children's Health Insurance Program (CHIP), and health insurance portability standards. In addition to these programs, CMS has other responsibilities, including the administrative simplification standards from the Health Insurance Portability and Accountability Act of 1996 (HIPAA), quality standards in long-term care facilities through its survey and certification process, clinical laboratory quality standards under the Clinical Laboratory Improvement Amendments, and oversight of HealthCare.gov. CMS was previously known as the Health Care Financing Administration (HCFA) until 2001.
The Federal Insurance Contributions Act is a United States federal payroll tax payable by both employees and employers to fund Social Security and Medicare—federal programs that provide benefits for retirees, people with disabilities, and children of deceased workers.
The U.S. Railroad Retirement Board (RRB) is an independent agency in the executive branch of the United States government created in 1935 to administer a social insurance program providing retirement benefits to the country's railroad workers.
This article concerns proposals to change the Social Security system in the United States. Social Security is a social insurance program officially called "Old-age, Survivors, and Disability Insurance" (OASDI), in reference to its three components. It is primarily funded through a dedicated payroll tax. During 2015, total benefits of $897 billion were paid out versus $920 billion in income, a $23 billion annual surplus. Excluding interest of $93 billion, the program had a cash deficit of $70 billion. Social Security represents approximately 40% of the income of the elderly, with 53% of married couples and 74% of unmarried persons receiving 50% or more of their income from the program. An estimated 169 million people paid into the program and 60 million received benefits in 2015, roughly 2.82 workers per beneficiary. Reform proposals continue to circulate with some urgency, due to a long-term funding challenge faced by the program as the ratio of workers to beneficiaries falls, driven by the aging of the baby-boom generation, expected continuing low birth rate, and increasing life expectancy. Program payouts began exceeding cash program revenues in 2011; this shortfall is expected to continue indefinitely under current law.
The National Organization of Social Security Claimants' Representatives (NOSSCR), established in 1979, is an association of more than 4,000 attorneys, non-attorney representatives, and paralegals who represent Social Security Disability Insurance and Supplemental Security Income claimants. The organization provides continuing education and training for persons who represent claimants for disability benefits.
Jo Anne Bryant Barnhart was the 14th Commissioner of the Social Security Administration, filling a six-year term of office that ran through January 19, 2007.
Social Security Disability Insurance is a payroll tax-funded federal insurance program of the United States government. It is managed by the Social Security Administration and designed to provide monthly benefits to people who have a medically determinable disability that restricts their ability to be employed. SSDI does not provide partial or temporary benefits but rather pays only full benefits and only pays benefits in cases in which the disability is "expected to last at least one year or result in death." Relative to disability programs in other countries in the Organisation for Economic Co-operation and Development (OECD), the SSDI program in the United States has strict requirements regarding eligibility.
The Office of the Chief Actuary is a government agency that has responsibility for actuarial estimates regarding social welfare programs. In Canada, the Office of the Chief Actuary works with the Canada Pension Plan and the Old Age Security Program. In the United States, the Social Security Administration has an Office of the Chief Actuary that deals with Social Security, and the Centers for Medicare and Medicaid Services have an Office of the Actuary that deals with Medicare and Medicaid. A similar agency in the United Kingdom is called the Government Actuary's Department (GAD).
The Medicare Part D coverage gap was a period of consumer payments for prescription medication costs that lay between the initial coverage limit and the catastrophic coverage threshold when the consumer was a member of a Medicare Part D prescription-drug program administered by the United States federal government. The gap was reached after a shared insurer payment - consumer payment for all covered prescription drugs reached a government-set amount, and was left only after the consumer had paid full, unshared costs of an additional amount for the same prescriptions. Upon entering the gap, the prescription payments to date were re-set to $0 and continued until the maximum amount of the gap was reached or the then current annual period lapses. In calculating whether the maximum amount of gap had been reached, the "True-out-of-pocket" costs (TrOOP) were added together.
Retirement Insurance Benefits or old-age insurance benefits are a form of social insurance payments made by the U.S. Social Security Administration paid based upon the attainment of old age. Benefit payments are made on the 3rd of the month, or the 2nd, 3rd, or 4th Wednesday of the month, based upon the date of birth and entitlement to other benefits.
The United States Social Security Administration's Ticket to Work and Self-Sufficiency Program is the centerpiece of the Ticket to Work and Work Incentives Improvement Act of 1999.
The Foster Care Independence Act of 1999 aims to assist youth aging out of foster care in the United States in obtaining and maintaining independent living skills. Youth aging out of foster care, or transitioning out of the formal foster care system, are one of the most vulnerable and disadvantaged populations. As youth age out of the foster care system at age 18, they are expected to become self-sufficient immediately, even though on average youth in the United States are not expected to reach self-sufficiency until age 26.
The United States spends approximately $2.3 trillion on federal and state social programs include cash assistance, health insurance, food assistance, housing subsidies, energy and utilities subsidies, and education and childcare assistance. Similar benefits are sometimes provided by the private sector either through policy mandates or on a voluntary basis. Employer-sponsored health insurance is an example of this.
Disability benefits are a form of financial assistance designed to support individuals who are unable to work due to a chronic illness, disease or injury. Disability benefits are typically provided through various sources, including government programs, group disability insurance provided by employers or associations or private insurance policies typically purchased through a licensed insurance agent or broker, or directly from an insurance company.
Arthur E. Hess, former acting commissioner of the Social Security Administration, was born in Reading, Pennsylvania. Hess graduated from Princeton University in 1939 and received a law degree from the University of Maryland in 1948. Shortly after graduating from Princeton, he took his first government job as a field representative for the Social Security Administration.
SSA Pub. No 25-1556. Teleservice Representative Basic Training Curriculum Introduction Unit 1 Lessons 01-08 Student. pp.7–15. Social Security Administration. April 2006.
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