West Virginia State Life Insurance Practice Exam

Which of the following does Social Security NOT provide benefits for?

1. Loss of income due to retirement

2. Dismemberment

3. Disability

4. Death benefits

The correct answer is: Dismemberment

Social Security provides various benefits designed to support individuals in specific circumstances, including loss of income due to retirement, disability, and death benefits for dependents of deceased workers. However, it does not offer benefits for dismemberment. Dismemberment benefits typically fall under private insurance policies, such as accidental death and dismemberment (AD&D) insurance, which specifically cover injuries resulting in the loss of limbs or other body parts. Social Security is primarily focused on broader social welfare goals, aiming to provide basic financial support for retirement, disability, and survivors, rather than addressing specific physical injuries. Therefore, the absence of dismemberment benefits is aligned with the program's structure and intent to broadly assist individuals facing financial hardships rather than covering every possible medical or injury-related scenario.