Benefits are often earned through employment or marriage. This is a challenge for some who have a disability or disabilities: employment gaps and or unmarried. For example, the Social Security benefits earned when one was able to work may have expired before the disability or disabilities become known or they file for SSDI; therefore, they lack work credits. Some people have capacity and other issues that prevent them from marriage. Why can't one who is employed not transfer their benefit to another person, whoever they choose, other than a spouse? For example, if a brother is offered dental through his employer, why can't he give the dental to his sister?