Retirement Read Time: 4 min

Social Security: The Elephant in the Room

For most Americans, 社会保障只不过是一些不可避免的工资扣除,用的是“FICA”和“OASDI”(联邦保险缴款法案和老年)的缩写, Survivors and Disability Insurance). It hinted at a future that seemed both intangible and faraway.

然而,许多美国人现在正处在利用这些付款做出的承诺的边缘.

随着越来越多的公民接近退休,问题和担忧比比皆是. Is Social Security financially healthy? How much will my income benefit be? How do I maximize my benefits for me and my spouse? When should I begin taking Social Security

Questions & Elephants

回答这些问题可以帮助你从你的社会保障福利中获得最大的利益, and potentially enhance your financial security in retirement. 在你回答这些问题之前,你必须承认房间里的大象.

多年来,社会保障体系经历了周期性的恐慌,这不可避免地导致许多人怀疑社会保障体系的财务状况是否足够健全,足以支付他们所欠的福利.

Reasonable Concern

Social Security was created in 1935 during Franklin D. Roosevelt’s first term. 它的目的是为那些几乎没有赡养手段的美国老年人提供收入. 该国陷入经济衰退的泥潭,迫切需要这种支持.1

Since its creation, 有三个基本的发展导致了今天社会保障面临的财政挑战.

  1. 向该体系(支持当前的福利支付)付费的工人数量已经从1955年的每8个工人对应1个退休人员下降到3个.3 in 2005. That ratio is expected to fall to 2.1 to 1 by 2040.2
  2. 一开始是一项专门的退休福利计划,后来演变为为残疾工人和幸存家庭成员提供收入支持. 这些增加的义务并不总是与必要的薪金扣减数额相匹配,以在财政上支持这些额外目标.
  3. Retirees are living longer. As might be expected, 医学技术的进步和我们对健康行为的理解使得人们的退休年龄延长了, potentially placing a greater strain on resources.

从2010年开始,税收和其他非利息收入不再完全覆盖该计划的成本. According to the Social Security Trustees 2014 annual report, this pattern is expected to continue for the next 75 years; the report projects that the trust fund may be exhausted by 2040, absent any changes.3

社会保障的金融危机是真实存在的,但其失败的可能性似乎很遥远. 稳定社会保障体系的方法有很多,包括但不限于:

  • Increase Payroll Taxes: 根据规模增加工资税,可以延长信托基金的寿命.4
  • Raise the Retirement Age: 这在过去的改革中已经做过了,并且通过在以后的年龄向未来的受惠者支付福利来节省资金.
  • Tax Benefits of Higher Earners: 通过提高退休人员的社会保障收入税收等级, 税收收入可以用来延长信托基金的寿命.
  • Modify Inflation Adjustments: 而不是根据消费者价格指数(CPI)提高福利, 政策制定者可能会选择将未来的福利增长与“连锁CPI”挂钩,,该理论假设,面对不断上涨的成本,人们会转向更便宜的替代品. 使用“连锁CPI”可能会使生活成本调整更便宜.

预计改革将是困难的,因为它可能涉及艰难的选择,而许多政策制定者往往会从这些选择中退缩. However, 历史表明,当不作为的后果超过采取行动的后果时,政治领导人往往会采取行动. 

1. Social Security Administration, 2020
2. Social Security Administration, 2020
3. Social Security Administration, 2020
4. Social Security Administration, 2020

这些内容的来源被认为提供了准确的信息. 本材料中的信息不作为税收或法律咨询. 它不能被用于避免任何联邦税务处罚的目的. 有关您个人情况的具体信息,请咨询法律或税务专业人士. 本材料由FMG Suite开发和制作,旨在提供有关可能感兴趣的主题的信息. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. 所表达的意见和所提供的材料仅供一般参考, 不应被视为是对任何证券买卖的邀请. Copyright FMG Suite.

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