A friend has a brother in law who lives in a nice luxury condo in KL, drives a comfortable Volvo, invests in the top range audio equipment for his home and doesn't need to work a single day for all these! How is that possible, you wonder? Well, I don't know if you would consider it lucky or unlucky but he got into some industrial accident while working in the oil and gas sector and was given a big social security disability payout as a result. Hence, his retirement is pretty much covered for life! That's the benefit of buying social security to protect you at your workplace.