Dear Rusty: My coffee conversations among a group of friends have resulted in several questions about Social Security:

1. What happens to the Social Security account of someone who dies before retirement age. What happens to that money and where does it end up?

2. How does the decreased birth rate of the USA affect future Social Security benefits?

3. Is a person who has never contributed to the Social Security System entitled to any benefits from the Social Security Administration?

4. Is there a central location online that a person can access that explains the history and current status of the Social Security System, that explains all of it in simple terms. I would like to be able to give this location to people I talk with about Social Security.

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