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Webster County, Miss. — On the 597th day, the day he hoped everything would change, Joe Stewart woke early. He took 15 pills in a single swallow. He shaved his head. And then he got down to the business of the day, which was the business of every day, and that was waiting. He looked outside, and...

Most people think of Social Security as a retirement benefit, and that's understandable. Among the 61 million Americans receiving Social Security at the end of 2016, 68%--44.3 million people--were retired.

But Social Security's broad aim is to protect against the risk of lost income from...

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