In the United States, this refers to a program started in the New Deal. The program first gave money only to a few old people, but is now used by millions of people and is one of the largest and most costly programs in the government. The "Old-Age, Survivors, and Disability Insurance" program covers 94% of workers. State and local government workers have pension plans at the state or local level. "Retirement Insurance Benefits" are paid to people over the age of 62. The amount is increased if the person delays their claim.