If you paid the SSA premiums - which we all know are required, it's not like can opt out - then you certainly are entitled to the SSA benefits. Expecting to get your SSA payments as agreed is not entitlement, it's business. Trust me, if I had had the choice when I started working to forgo SSA payments and be on my own for retirement, I sure as heck would have done that. Unfortunately social security is just a miss managed pension fund. I like most people my age have paid 10's of thousands of dollars into the system - if that money had been invested in my 401k like my other contributions, I would be much better off. So yes, in that regard, the government owes me a lot of money. Now, if Uncle Sam wants to refund all my contributions and call it square (I'll even forget about the lost investment on those $$) and let me roll those $$'s into my 401k, I would be willing to call us even. Now THAT would be a nice tax plan. Problem is Uncle Sam spent my SSA contributions on other things - he doesn't have the money any more. I think if an insurance or mutual fund company did the same thing, that would be illegal - ask Bernie Madoff.