The Old-Age and Survivors Insurance Trust Fund and the Disability Insurance Trust Fund are two separate funds that make up the Social Security Trust Fund. The OASI trust fund is used to pay benefits to retirees and their children, as well as the families of employees who have died. Benefits for disabled workers and their families are covered by the DI trust fund. Otherwise, the two funds operate in a similar manner. When employees and employers contribute more to Social Security than the system requires paying benefits, the overage is invested in special US government securities. This requires the federal government to borrow money from the trust fund for non-Social Security purposes.
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