needs based. If I fall disabled I would be getting 1180 a month. That doesnt cover the house pmt so would need to trailerize real fast. Folks with no dependants that have income of 60k plus annually dont "need" the extra 12k or so. But they consider it an annuity and would stalk washington with guns in order to keep collecting it. This is why all older folks (myself included) need to learn spanish.
thanx,
bill