Certified Senior Advisor (CSA) Practice Test

The most likely beneficiary of Social Security in this scenario is Sam, who is age 70 and retired. Social Security benefits primarily serve individuals who have worked and paid into the system, providing them with financial support during retirement, disability, or to surviving family members. At age 70, Sam is at the age where he can begin receiving full retirement benefits. This makes him a prime candidate for Social Security benefits, as the program is designed specifically to support retirees financially, ensuring they have income after leaving the workforce. Individuals like Tom, who is only 15 years old, are not yet eligible for benefits as they have not participated in the workforce. While Rebecca, who is 35 and disabled, may have access to Social Security Disability Insurance (SSDI), her eligibility would depend on her work history and the severity of her disability. Susan, age 50 and a widow, could potentially receive widow's benefits if she meets certain criteria related to her deceased spouse’s work record; however, she is not of retirement age and may have other complexities regarding her eligibility. In summary, Sam's status as a 70-year-old retiree aligns perfectly with the primary purpose of Social Security, making him the most likely beneficiary among the options provided.