Explore these lesser-known programs that can help you collect more, retire earlier, or protect your family. Most overlooked Social Security programs that could put more money in your pocket.
💸 1. Spousal Benefits (Even If You're Divorced)
If you were married for at least 10 years and are currently unmarried, you may be able to claim up to 50% of your ex-spouse's benefit, even if they've remarried.
Doesn't reduce their benefit
Works even if you never worked or paid into Social Security
Can be higher than your own benefit in some cases
🧑🦼 2. Disability Benefits (SSDI)
If you've worked and paid into Social Security but now have a disabling medical condition, you may qualify for monthly SSDI payments, even before retirement age.
Includes backpay and potential Medicare eligibility
Many physical and mental health conditions are covered
You can work part-time and still qualify under certain limits
👶 3. Benefits for Children and Dependents
Children of retired, disabled, or deceased workers may be eligible for monthly survivor or dependent benefits, including:
Up to 75% of your full benefit amount
Available for minors, students under 19, and adult disabled children
A powerful resource for single-parent or multi-generational households
💰 4. Lump-Sum Death Benefit
When a worker dies, their surviving spouse or children may receive a $255 lump-sum death benefit from Social Security--but only if claimed.
Must apply within two years of the worker's death
Can help cover final expenses or burial costs
Often overlooked by families during difficult times
🧾 5. Income-Based Supplemental Security Income (SSI)
SSI is a separate, needs-based program that provides monthly payments to low-income seniors, disabled individuals, and children.
Can be collected in addition to Social Security for those who qualify
May unlock access to food assistance, Medicaid, and housing support
Eligibility is based on income and resources, not work history