No one has to "toil" for 10 minutes! Because anyone younger than 50 who thinks they will ever see a dime of SSI is out of their minds. SSI is NOT part of my retirement planning. If it there when I retire at an age of MY choosing, great. I'll use it for toys or somthing fun.
If you are under 50 and are stupid enough to include SSI in your retirement planning, you DESERVE to "toil" until you are 85.
I'm with you. If my husband and I ever see social security, it will be our "travel" money. I'm not counting on it, and when the time comes I won't be dependent on it.