Odd thing: Just being the beneficiary of a life insurance policy doesn't mean you'll get the money when the policyholder dies. Turns out, you have to ask for it. And people failing to ask has led to as much as $1 billion going, not to people's heirs, but to the states. Thankfully, that's changing.
The woes Social Security faces have generated plenty of worried talk lately, but even if nothing changes, it'll be solvent until 2036. But Medicare, the other major government program that retirees rely on, is on course for financial disaster years sooner.
That program, of course, is Medicare, and the funding situation for the portion of its benefits that retirees receive looks even scarier than Social Security's prospects right now.