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SS is not an individual pension fund. It is an insurance scheme. You could pay into SS for 45 years and die the day before you are eligible to collect benefits. Your estate would get nothing save a small burial allowance. Yes, if you had a surviving spouse, she would be eligible for some benefits.

The government can change the benefits and eligibility requirements any time it wants to. You lose all claim to any contributions you have made. Calculating your contributions over a lifetime and trying to figure out how much you would have gotten in a private pension fund is just an exercise in futility and fantasy. If pigs had wings, they could fly.

SS is Ponzi scheme and for those of us at the top of the pyramid, it has worked out very well. For those entering the workforce today, it will not. Sorry to hear about your physical aliment. Good luck and hope that medical advancements will change the prognosis. We need every conservative we have in this fight against tyranny.