Who is generally covered by Social Security?

Social Security is designed to provide benefits to a broad range of individuals based on their work history and contributions to the Social Security system. Virtually all employed or self-employed Americans are generally covered by Social Security, encompassing workers from various sectors, including private industry and government employees, as long as they meet certain criteria like earning income and paying Social Security taxes.

This inclusive coverage is fundamental to the Social Security program, reflecting its purpose to provide financial assistance to individuals during retirement, disability, or upon the death of a wage earner. The system aims to offer a safety net that supports nearly all workers rather than limiting coverage to specific groups, such as only federal employees or solely self-employed individuals.

The other options suggest limited or conditional coverage, which does not align with the comprehensive nature of Social Security. For example, stating that coverage is exclusive to federal employees, self-employed individuals, or those paying additional fees misunderstands the universal principles and eligibility established under the Social Security Act.