The social security program, that is the main topic of this essay has been the most popular social insurance scheme in the US. Today, many citizens of the US benefit from the program, but only a few of them understand its operation methodology, or the comparison of the social insurance scheme with other retirement investments. A large portion of the American population have the notion that the Social Security system maintains a sort of saving account for each citizen of the country with a amount of money. On the contrary, the system does not connect the amount of money in taxes that people pay to the benefits that they will eventually receive on retirement. A Social Security scheme is a government system that provides monetary assistance to citizens of the country who earn inadequate income, or have no income at all. In the US, Social Security is a comprehensive federal program that provides benefits to workers and their dependants with consistent retirement income and other payments. The main financial sources of Social Security programs are discussed, such as the Social Security tax. In conclusion, the Social Security programs have proved to be very efficient, especially to the elderly members of nation. The only problem that faces the Social Security programs is their durability and self-sustenance. The Social Security funds need to build a substantial surplus to cater for future retirees of the nations. The social security concept has helped nations deal with their income distribution.