Generally, your Social Security benefit is a percentage of your average lifetime earnings.
Low-income workers receive a higher percentage of their average lifetime earnings than those in the upper income brackets.
A worker with average earnings can expect a retirement benefit that replaces about 40 percent of his or her average lifetime earnings.
Social Security never was intended to be your only source of income when you retire or become disabled or your family’s only income if you die. It is intended to supplement your savings, investments, pensions and insurance plans.