Social Security is the common name for the United States federal government’s Old-Age, Survivors, and Disability Insurance (OASDI). The program guarantees the nation’s most vulnerable citizens can depend on a minimum sustenance and care support. Taxpayers fund Social Security through payroll taxes, self-employment contributions, and IRS investment of these funds into special government trusts. The Social Security Cost of Living Act (COLA) guarantees increases in benefits amounts to account for inflation but in recent years the official inflation rate has been low enough that they have not given Cost of Living increases. Americans become eligible to draw Social Security benefits when they reach age 62 but depending on the year you were born you may not get full benefits until you are 67 (or older). To ensure you will receive your full Social Security benefits when the time comes, you need to begin planning for your future now. The following measures can help you plan for and protect your benefits.