Which of the following statements accurately describes the relationship between Social Security and SSI beneficiaries?
- Social Security benefits are exclusively for retirees, while SSI benefits are only available to low-income individuals who have never worked.
- Social Security and SSI are two separate programs with different eligibility criteria; Social Security is based on earnings history, whereas SSI is based on financial need.
- Social Security benefits are automatically provided to all SSI beneficiaries regardless of income, as both programs are integrated.
- SSI beneficiaries are automatically entitled to Social Security benefits once they turn 65, regardless of their prior work history.