Reason I ask is when my dad died he had been paying into social security for about 45 years, was forced to retire then only drew social security for 9 months or less, then dead... From about 2005 to 2013 my dad earned near 100,000, so he paid in a lot. No one else can claim his Social security. Since there is a fair chance the exact same thing could happen to me I figure why let the government take it all. Or social security may collapse. With my luck at least one of those will surely happen. I have been paying into it for almost 20 years now. The compensation I would get if I became disabled tomorrow is IMO kind of a lot, probably the reason why the system is broken. Does any one know if I opted out if what I put in so far would vanish, or would it have the same effect if I just stopped working? I ask because I would actually save that money and the investing I have done since 2003 has done pretty well and those years weren't exactly the best for markets and growth. So I think I could do better with my money than the government. My tax situation has become very complicated in 2016 so i will be seeking a CPA this time around. Would they know about this?