Double check the numbers and call the SSA. If you continue to pay into your SSA account every month, you will be entitled to the returns similiar to a retirement age. Knowing that, don't you think it would be better to invest it into stocks, bonds and cash, provided you manage it. 60% stock and 20% of the other two will reap more than SSA will, but additionally involves some risk. Long term, the US markets have always been strong and will continue to do so.