Which of the following accurately describes the importance of paying into Social Security?

Paying into Social Security is crucial because it directly impacts the amount of benefits a worker or their dependents will receive upon retirement or in the event of disability or death. Social Security operates under a system where the benefits are determined based on the worker's earnings over their lifetime. The more a worker contributes through payroll taxes, the higher their average indexed monthly earnings will be, which is a primary factor in calculating their benefits.

Additionally, this system provides vital support not only to the workers but also extends benefits to their family members, including spouses and children, in certain circumstances. Thus, consistent and higher contributions result in greater financial security in retirement and protection for dependents, making the connection between contributions and benefits clear and significant.