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JOE BIDEN HAS CALLED FOR THE CONSUMER PRICE INDEX

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For most Americans, Social Security is, or will become, a vital source of income
during retirement. According to surveys conducted by national pollster Gallup,
nearly 90% of current retirees lean on their Social Security income to make ends
meet. Additionally, 84% of nonretirees expect to rely on Social Security as a
"major" or "minor" source of income during their golden years.

But even though it's been our nation's most successful retirement program for
more than eight decades, Social Security finds itself in some pretty serious
financial trouble. According to the 2022 Social Security Board of Trustees
Report, the program is facing a jaw-dropping $20.4 trillion cash shortfall over
the next 75 years. While this doesn't mean Social Security is insolvent -- the
program, thankfully, can't go bankrupt as long as Americans continue working --
it does portend the growing likelihood of steep benefit cuts on the
not-too-distant horizon if nothing changes.

Joe Biden Has Called for Social Security Benefit Cuts 2 Times

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Social Security needs to be "fixed" so it can thrive for many more generations,
and that means making the hard decision to collect more revenue, cut benefits,
or enact some combination of the two.

While most lawmakers have shied away from directly calling for Social Security
benefits to be cut, President Joe Biden has previously done so on two separate
occasions.

1. Biden leaves the door open to raise the full retirement age
Speaking in a very broad sense, Biden's political party (Democrat) prefers to
raise additional revenue for Social Security by increasing the payroll tax paid
by high-earning workers. But every once in a while, we see prominent lawmakers
break with their party on key issues, which is exactly what happened when Joe
Biden was a presidential candidate for the 2008 ticket.

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In September 2007, Biden released a plan that was, among other things, designed
to shore up Social Security. Keep in mind that lawmakers have known since the
1985 Board of Trustees Report that Social Security wasn't on track to bring in
enough revenue over the next 75 years to cover its projected payouts. Although
this plan called for an increase to the maximum taxable earnings cap on high
earners, Biden was also open to discussing bipartisan options, such as raising
the full retirement age.

The full retirement age is the age at which a beneficiary becomes eligible to
receive 100% of their retired worker benefit. For roughly six decades after the
first Social Security check went out in 1940, the full retirement age stood pat
at 65. But following two rounds of gradual increases, everyone born in 1960 and
later has a full retirement age of 67.

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Raising the full retirement age, which is a core solution touted by Republicans,
would require eligible beneficiaries to wait longer to receive their full
monthly payout. Regardless of whether retired workers choose to take their
payout early -- therefore accepting a permanently reduced monthly benefit -- or
wait until full retirement age, increasing the full retirement age would lower
the lifetime benefits paid to a retired worker.

2. Joe Biden calls for means-testing
The second time President Biden called for Social Security benefit cuts happened
more recently.

In May 2018, nearly a full year before declaring his candidacy for president,
Biden advocated for benefits means-testing while speaking at a Brookings
Institution event. Said Biden:

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Paul Ryan [the former Republican speaker of the house] was correct when he did
the tax code. What's the first thing he decided we had to go after? Social
Security and Medicare. Now, we need to do something about Social Security and
Medicare. That's the only way you can find room to pay for it. Now, I don't know
a whole lot of people in the top one-tenth of 1% or top 1% [who] are relying on
Social Security when they retire.

While Biden's remarks primarily emphasize the need to progressively increase
payroll taxation on high earners, they also alluded to the idea of means-testing
for benefits.

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Means-testing would involve partially or fully removing Social Security payouts
to eligible recipients based on predefined annual income thresholds. In other
words, it would ensure that individuals and couples who don't need Social
Security benefits to live comfortably would receive a reduced payout, or perhaps
none at all. Even though this would only affect a small percentage of
beneficiaries, it's nevertheless a call for benefits to be cut.

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President Biden's four-point Social Security plan is a long shot to pass
The thing about our elected officials is that their views on policy tend to
change over time. That's the case with President Biden, whose four-point plan to
strengthen Social Security -- this plan was laid out during his campaign --
makes no mention of reducing or cutting Social Security benefits.

In no particular order, here are the four Social Security changes Biden now
advocates:

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Increase payroll taxation on high earners: In 2022, all earned income between
$0.01 and $147,000 is subject to Social Security's 12.4% payroll tax. However,
well over $1 trillion in wages and salary above $147,000 is exempted from this
tax. Biden has proposed creating a doughnut hole between the current payroll tax
cap and $400,000 where earned income would remain exempt. Meanwhile, the payroll
tax would be reinstated on all wages and salary above $400,000 to generate more
revenue for Social Security.

Boost the special minimum benefit: Biden advocates increasing the minimum
monthly payout to lifetime low-earners to 125% of the federal poverty level. If
this proposal were law in 2022, it would mean a special minimum benefit of
$1,416/month instead of $951 for a lifetime low-earner with 30 years of
coverage.

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paste2.org/e8eWpw9P
pst.klgrth.io/paste/g9ran
paste.jp/2b213fbe/
pastelink.net/1c7g8j29
wowace.com/paste/971003e5
textbin.net/ghjh2szpct
coliru.stacked-crooked.com/a/8a9db729108fa177
th.cpp.sh/3v2m3
dotnetfiddle.net/K1WueL
paiza.io/projects/jah_FxfI9P6S2diRbtjaTQ?language=php
p.teknik.io/To5kU
geany.org/p/p7YkT/
ide.geeksforgeeks.org/afdc7744-9141-4641-b6d0-3c35e81f0d69
pastebin.com/xQTEGGpy
jsitor.com/WXT4YK8Yj
jsfiddle.net/mybkdexq/
th.cpp.sh/663qc
dotnetfiddle.net/9IGsYV
paiza.io/projects/TfCJNLOBvDum8hoUoeLdRw?language=php
p.teknik.io/LFzYk
geany.org/p/ZFfAO/
geany.org/p/eZKsM/
ide.geeksforgeeks.org/b82a0c72-1547-4494-8b45-c70d6330fb92
pastebin.com/qMW44W9R
jsitor.com/sIfdtv0fl
jsfiddle.net/t2eka8sm/
coliru.stacked-crooked.com/a/8e512698401156bd

Lift benefits for long-lived Social Security recipients: Biden's plan calls for
the primary insurance amount (PIA) to be increased by 1% annually from ages 78
through 82, which would equate to a 5% aggregate lift to the PIA. This proposed
benefit increase is designed to help aged beneficiaries cover higher expenses as
they age, such as medical transportation costs.

Switch the inflationary tether to the CPI-E from CPI-W: Lastly, Biden has called
for the Consumer Price Index for the Elderly (CPI-E) to become Social Security's
new inflationary measure. Though the Consumer Price Index for Urban Wage Earners
and Clerical Workers (CPI-W) has been the program's inflationary tether since
1975, it doesn't do a particularly good job of tracking the expenditures that
matter most to seniors.
While these proposals have the potential to strengthen Social Security, Biden's
plan doesn't have anywhere near the number of votes (60) that would be needed to
amend Social Security in the Senate.

mymediads.com/articles/152043
westseattleblog.com/forums-2/users/biden-called-social-security/
active.popsugar.com/@biden-says-a-vital-source/profile
loop.frontiersin.org/people/2013433/bio
demilked.com/author/joe-biden-says-source-of-income-during-their-golde/
teachers.net/jobs/author/biden-says-serious-financial-trouble/
madinamerica.com/author/bidensocialsecurity/
noteflight.com/profile/675277830d96968b8cf3ca58a1bb1de92e8f94a5
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elouise.cookpad-blog.jp/articles/745420
dyana.hashnode.dev/joe-biden-has-previously-done-so-on-two-separate-occasions
zenodo.org/communities/biden-leaves-the-door-open-to-raise/?page=1&size=20
deviantart.com/yofajpikca/journal/Biden-said-Security-by-increasing-the-payroll-tax-929957083

The conundrum of Social Security reform is that both of America's political
parties have a working solution, which means neither is willing to cede an inch
and find common ground with their opposition. Without cooperation on Capitol
Hill and from the Oval Office, Social Security appears destined to spiral toward
what could be a sizable benefit cut in as little as 12 years.

demo.evolutionscript.com/forum/topic/142705-Joe-BIden-said-The-full-retirement-age-is-the-age-at-which-a-beneficiary
ogloszenia.zycie.pl/ogloszenie/50586,joe-biden-released-a-plan-that-was-among-other-things/6
medium.com/@dyanahansen48/joe-biden-advocated-for-benefits-means-testing-c6c928091f98
graphql-ra-dev.roboticsacademy.fiu.edu/d/23290-joe-biden-says-means-testing-would-involve-partially
kukooo.com/joe-biden-calls-for-means-testing/
open.firstory.me/story/cl87notpv04bn01wf6s401ekb
bearstore-testsite.smartbear.com/boards/topic/320496/president-biden-s-four-point-social-security-plan-is-a-long-shot-to-pass
click4r.com/posts/g/6028577/biden-says-the-conundrum-of-social-security-reform
theprose.com/post/515102/joe-biden-said-elected-officials-is-that-their-views-on-policy
techplanet.today/post/while-joe-bidens-remarks-primarily-emphasize
theamberpost.com/post/joe-biden-statment-raising-the-full-retirement-age
vingle.net/posts/4767576
secure.avaaz.org/community_petitions/en/joe_biden_said_earned_income_between_0_01_and_147000_is_subject/
jpost.us/news/joe-biden-promise-boost-the-special-minimum-benefit/
wafi-lounge.co.uk/joe-biden-says-to-switch-the-inflationary-tether-to-the-cpi-e/

The $18,984 Social Security bonus most retirees completely overlook

If you're like most Americans, you're a few years (or more) behind on your
retirement savings. But a handful of little-known "Social Security secrets"
could help ensure a boost in your retirement income. For example: one easy trick
could pay you as much as $18,984 more... each year! Once you learn how to
maximize your Social Security benefits, we think you could retire confidently
with the peace of mind we're all after. Simply click here to discover how to
learn more about these strategies.

  

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