What Distinguishes a Means-Tested Program from a Social Insurance Program

What distinguishes a means-tested program from a social insurance program?

A) A means-tested program extends benefits based upon age categories, while a social insurance program provides benefits based upon immediate need.
B) A means-tested program only extends to benefits for the elderly, while a social insurance program extends benefits to everybody.
C) A social insurance program extends benefits only to the working poor, while a means-tested program extends benefits to everyone, regardless of social class.
D) A social insurance program provides benefits based upon demonstrated need, while a means-tested program provides benefits based upon lifetime contributions.
E) A social insurance program provides benefits based upon lifetime contributions, while a means tested program provides benefits based upon demonstrated need.