This is a retirement programme run by the government. It is paid for through federal income tax money. It gives Americans a cheque each month based on the years they have worked and the money they have earned during their life. Age 62 is the earliest age to receive Social Security. Employers decide the age when a person can receive full benefits. If a person has earned more money in their life, money in the Social Security cheque may be higher. If they have earned less, their cheque amount may be lower.