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The Crisis In Social Security
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Book Synopsis Report of the National Commission on Social Security Reform by : United States. National Commission on Social Security Reform
Download or read book Report of the National Commission on Social Security Reform written by United States. National Commission on Social Security Reform and published by . This book was released on 1983 with total page 298 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis Social Security Works! by : Nancy Altman
Download or read book Social Security Works! written by Nancy Altman and published by New Press, The. This book was released on 2015-01-21 with total page 321 pages. Available in PDF, EPUB and Kindle. Book excerpt: A growing chorus of prominent voices in Congress and elsewhere are calling for the expansion of our Social Security system—people who know that Social Security will not “go broke” and does not add a penny to the national debt. Social Security Works! will amplify these voices and offer a powerful antidote to the three-decade-long, billionaire-funded campaign to make us believe that this vital institution is destined to collapse. It isn't. From the Silent Generation to Baby Boomers, from Generation X to Millennials and Generation Z, we all have a stake in understanding the real story about Social Security. Critical to addressing the looming retirement crisis that will affect two- thirds of today's workers, Social Security is a powerful program that can help stop the collapse of the middle class, lessen the pressure squeezing families from all directions, and help end the upward redistribution of wealth that has resulted in perilous levels of inequality. All Americans deserve to have dignified retirement years as well as an umbrella to protect them and their families in the event of disability or premature death. Sure to be a game-changer, Social Security Works! cogently presents the issues and sets forth both an agenda and a political strategy that will benefit us all. At stake are our values and the kind of country we want for ourselves and for those that follow.
Book Synopsis Social Security Works For Everyone! by : Nancy J. Altman
Download or read book Social Security Works For Everyone! written by Nancy J. Altman and published by The New Press. This book was released on 2021-04-13 with total page 337 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security expansion is back on the agenda, at a time when Americans need it more than ever—here’s what it should look like (and why it matters to everyday people all over the country) “Altman and Kingson cut through the fog of calculated confusion and outright lies about Social Security.”—David Cay Johnston, Pulitzer Prize–winning journalist and author The COVID-19 crisis has pulled the curtain back on America’s looming retirement income crisis, a fraying of the national community, and ever-worsening income inequality. Never before have so many people’s livelihoods and futures been thrown into flux. Now more than ever, expanding Social Security is essential to addressing these challenges. Social Security Works for Everyone!, an evolution of the argument Nancy J. Altman and Eric R. Kingson made in their acclaimed first book, Social Security Works!, presents the case for expanding Social Security, explaining why monthly benefits need to be increased; why Americans need national paid family leave, sick leave, and long term care protections; and how we can pay for it all. Don’t believe the nearly four-decade, billionaire-funded campaign to convince us that the program is destined to collapse. It isn’t. At a time when growing numbers of Americans are seeing beyond the false choice between financial security for working people and financial security for the federal government, this book eloquently makes the case that universal programs that benefit all Americans (yes, even the rich) make our country stronger and our lives more secure. Social Security works because it embodies the best of American values—the ones that will allow Americans to obtain financial security and weather the next crisis.
Book Synopsis Will America Grow Up Before it Grows Old? by : Peter G. Peterson
Download or read book Will America Grow Up Before it Grows Old? written by Peter G. Peterson and published by Random House (NY). This book was released on 1996 with total page 264 pages. Available in PDF, EPUB and Kindle. Book excerpt: The facts are plain: Social Security is headed for massive, unsustainable deficits in the next century. Politicians talk of a Social security "trust fund" but there are no hard assets in it--only government bonds. The reality is that Social Security is really a "pay as you go" system, with benefits to current retirees paid not out any saved trust funds but out of taxes on the payroll of today; s workforce. But what will happen when these employees retire; when, in less than fifteen years, the 76 million members of the baby boom generation -- the largest in our history -- stop paying in and start taking money out? And what can we as individuals and as citizens do now to prevent these catastrophic deficits. The crises towards which we are careening (by 2025, 1 American in 5 will be 65 or older and it will take an already overloaded 1.6 working Americans to support each retired person) will not only be felt personally by the many millions stranded with no savings and without benefits, but will shiver the country's economy as a whole as well as the world financial system. With courage, clarity and incontrovertible evidence, Peterson spells out this huge -- if politically unmentionable -- problem more clearly than ever before and tells us what we must do now for our personal survival and that of our children. According to recent polls, more young Americans believe in UFOs than think they will ever receive a Social Security check. Yet most Baby Boomers, as they approach retirement age, believe they will continue to live their present lifestyle in retirement -- without a fraction of the personal savings or pensions necessary to pay for the future they expect. This agingpopulation -- double today's load -- will depend on as few as 1.6 working Americans to support each retired person. Who will support this nation of Floridas? In this short, powerful book, Peter G. Peterson, one of American's top investment bankers and a leading critic of our entitlement policy, spells out in the clearest possible language, with unmistakable numbers and easy-to-read charts, the disaster that lies ahead if we continue to ignore our low saving rate, our ballooning federal deficits, and our enormous unfunded and unsustainable commitments to retirees. Peterson reveals what politicians are afraid to admit: trillions of dollars of promised benefits for which no funds have been provided. Shattering the myths surrounding this subject with hard facts and eye-opening views of the future, Peterson gives the most comprehensive and candid plan for a gradual, humane, fair, and realistic answer to the greatest challenge of the next century: transforming our political, economic, cultural, and social assumptions to adapt to the realities of the graying of America.
Book Synopsis Social Insecurity by : James W. Russell
Download or read book Social Insecurity written by James W. Russell and published by Beacon Press. This book was released on 2014-04-29 with total page 225 pages. Available in PDF, EPUB and Kindle. Book excerpt: How 401(k)s have gutted retirement security, from charging exorbitant hidden fees to failing to replace the income of traditional pensions Named one of PW's Top 10 for Business & Economics A retirement crisis is looming. In 2008, as the 401(k) fallout rippled across the country, horrified holders watched 25 percent of their funds evaporate overnight. Average 401(k) balances for those approaching retirement are too small to generate more than $4,000 in annual retirement income, and experts predict that nearly half of middle-class workers will be poor or near poor in retirement. But long before the recession, signs were mounting that few people would ever be able to accumulate enough wealth on their own to ensure financial security later in life. This hasn’t always been the case. Each generation of workers since the nineteenth century has had more retirement security than the previous generation. That is, until 1981, when shaky 401(k) plans began replacing traditional pensions. For the last thirty years, we’ve been advised that the best way to build one’s nest egg is to heavily invest in 401(k)-type programs, even though such plans were originally designed to be a supplement to rather than the basis for retirement. This financial experiment, promoted by neoliberals and aggressively peddled by Wall Street, has now come full circle, with tens of millions of Americans discovering that they would have been better off under traditional pension plans long since replaced. As James W. Russell explains, this do-it-yourself retirement system—in which individuals with modest incomes are expected to invest large sums of capital in order to reap the same rewards as high-end money managers—isn’t working. Social Insecurity tells the story of a massive and international retirement robbery—a substantial transfer of wealth from everyday workers to Wall Street financiers via tremendously costly hidden fees. Russell traces what amounts to a perfect swindle, from its ideological origins at Milton Friedman’s infamous Chicago School to its implementation in Chile under Pinochet’s dictatorship and its adoption in America through Reaganomics. Enraging yet hopeful, Russell offers concrete ideas on how individuals and society can arrest this downward spiral.
Book Synopsis The Gender Impact of Social Security Reform by : Estelle James
Download or read book The Gender Impact of Social Security Reform written by Estelle James and published by University of Chicago Press. This book was released on 2008-09-15 with total page 294 pages. Available in PDF, EPUB and Kindle. Book excerpt: As populations age and revenues diminish, government and private pension funds around the world are facing insolvency. The looming social security crisis is especially dire for women, who live longer than men but have worked less in the formal labor force. This groundbreaking study examines alternative social security systems and their disparate impacts on men and women. Emphasis is placed on the new multi-pillar systems that combine a publicly managed benefit and a mandatory private retirement saving plan. The Gender Impact of Social Security Reform compares the gendered outcomes of social security systems in Chile, Argentina, and Mexico, and presents empirical findings from Eastern and Central European transition economies as well as several OECD countries. Women’s positions have improved relative to men in countries where joint pensions have been required, widows who have worked can keep the joint pension in addition to their own benefit, the public benefit has been targeted toward low earners, and women’s retirement age has been raised to equality with that of men. The Gender Impact of Social Security Reform will force economists and policy makers to reexamine the design features that enable social security systems to achieve desirable gender outcomes.
Download or read book Falling Short written by Charles D. Ellis and published by Oxford University Press. This book was released on 2014-12-01 with total page 169 pages. Available in PDF, EPUB and Kindle. Book excerpt: The United States faces a serious retirement challenge. Many of today's workers will lack the resources to retire at traditional ages and maintain their standard of living in retirement. Solving the problem is a major challenge in today's environment in which risk and responsibility have shifted from government and employers to individuals. For this reason, Charles D. Ellis, Alicia H. Munnell, and Andrew D. Eschtruth have written this concise guide for anyone concerned about their own - and the nation's - retirement security. Falling Short is grounded in sound research yet written in a highly accessible style. The authors provide a vivid picture of the retirement crisis in America. They offer the necessary context for understanding the nature and size of the retirement income shortfall, which is caused by both increasing income needs-due to longer lifespans and rising health costs-and decreasing support from Social Security and employer-sponsored pension plans. The solutions are to work longer and save more by building on the existing retirement system. To work longer, individuals should plan to stay in the labor force until age 70 if possible. To save more, policymakers should shore up Social Security's long-term finances; make all 401(k) plans fully automatic, with workers allowed to opt out; and ensure that everyone has access to a retirement savings plan. Individuals should also recognize that their house is a source of saving, which they can tap in retirement through downsizing or a reverse mortgage.
Book Synopsis Social Security by : Larry W. DeWitt
Download or read book Social Security written by Larry W. DeWitt and published by CQ Press. This book was released on 2008 with total page 584 pages. Available in PDF, EPUB and Kindle. Book excerpt: A Documentary History tells the story of the creation and development of the U.S. Social Security program through primary source documents, from its antecendents and founding in 1935, to the controversial issues of the present. This unique reference presents the complex history of Social Security in an accessible volume that highlights the program's major moments and events.
Book Synopsis Fixing Social Security by : R. Douglas Arnold
Download or read book Fixing Social Security written by R. Douglas Arnold and published by Princeton University Press. This book was released on 2022-04-12 with total page 328 pages. Available in PDF, EPUB and Kindle. Book excerpt: How Social Security has shaped American politics—and why it faces insolvency Since its establishment, Social Security has become the financial linchpin of American retirement. Yet demographic trends—longer lifespans and declining birthrates—mean that this popular program now pays more in benefits than it collects in revenue. Without reforms, 83 million Americans will face an immediate benefit cut of 20 percent in 2034. How did we get here and what is the solution? In Fixing Social Security, R. Douglas Arnold explores the historical role that Social Security has played in American politics, why Congress has done nothing to fix its insolvency problem for three decades, and what legislators can do to save it. What options do legislators have as the program nears the precipice? They can raise taxes, as they did in 1977, cut benefits, as they did in 1983, or reinvent the program, as they attempted in 2005. Unfortunately, every option would impose costs, and legislators are reluctant to act, fearing electoral retribution. Arnold investigates why politicians designed the system as they did and how between 1935 and 1983 they allocated—and reallocated—costs and benefits among workers, employers, and beneficiaries. He also examines public support for the program, and why Democratic and Republican representatives, once political allies in expanding Social Security, have become so deeply polarized about fixing it. As Social Security edges closer to crisis, Fixing Social Security offers a comprehensive analysis of the political fault lines and a fresh look at what can be done—before it is too late.
Book Synopsis Get What's Yours by : Laurence J. Kotlikoff
Download or read book Get What's Yours written by Laurence J. Kotlikoff and published by Simon and Schuster. This book was released on 2015-02-17 with total page 336 pages. Available in PDF, EPUB and Kindle. Book excerpt: Learn the secrets to maximizing your Social Security benefits and earn up to thousands of dollars more each year with expert advice that you can't get anywhere else. Want to know how to navigate the forbidding maze of Social Security and emerge with the highest possible benefits? You could try reading all 2,728 rules of the Social Security system (and the thousands of explanations of these rules), but Kotlikoff, Moeller, and Solman explain Social Security benefits in an easy to understand and user-friendly style. What you don't know can seriously hurt you: wrong decisions about which Social Security benefits to apply for cost some individual retirees tens of thousands of dollars in lost income every year. How many retirees or those nearing retirement know about such Social Security options as file and suspend (apply for benefits and then don't take them)? Or start stop start (start benefits, stop them, then re-start them)? Or-just as important-when and how to use these techniques? Get What's Yours covers the most frequent benefit scenarios faced by married retired couples, by divorced retirees, by widows and widowers, among others. It explains what to do if you're a retired parent of dependent children, disabled, or an eligible beneficiary who continues to work, and how to plan wisely before retirement. It addresses the tax consequences of your choices, as well as the financial implications for other investments. Many personal finance books briefly address Social Security, but none offers the thorough, authoritative, yet conversational analysis found here. You've paid all your working life for these benefits. Now, get what's yours.
Book Synopsis The Plot Against Social Security by : Michael A. Hiltzik
Download or read book The Plot Against Social Security written by Michael A. Hiltzik and published by . This book was released on 2005 with total page 424 pages. Available in PDF, EPUB and Kindle. Book excerpt: Relentless and ominous, the drumbeat echoes across the land: Social Security is on the verge of bankruptcy. The warning has been repeated so often that it has become a dismal article of faith for the millions of Americans who pay Social Security taxes and expect to collect benefits someday. But it is flatly untrue. Social Security today is as financially strong as it has been in decades. Despite its relative good health, however, it is facing the most dangerous political challenge to its existence since its birth 70 years ago. The Plot Against Social Security explains who is really behind the efforts to reform this system and shows that the most frequently proposed fix -- diverting a huge portion of its assets into private investment accounts -- will damage it beyond repair, undermining retirement security for generations of Americans. Award-winning journalist Michael Hiltzik documents the privatization lobby's ties to the brokerage and insurance industries that stand to profit from the proposed changes. He debunks the myths disseminated by Social Security's enemies, repeated by rote even by its friends and now accepted as gospel by many Americans -- including claims that the retirement of baby boomers will plunge the system into bankruptcy; that the $1.7 trillion in government securities held by the Social Security trust fund are worthless pieces of paper; and that workers can earn better returns on their payroll tax contributions by investing them privately than by leaving them in the system. Finally, he offers a clear set of remedies for those few elements of Social Security that do need repair -- proposals that will shore up the most effcient social insurance program inAmerica's history rather than destroying it in the name of reform.
Book Synopsis Social Insurance and Economic Security by : George E. Rejda
Download or read book Social Insurance and Economic Security written by George E. Rejda and published by Routledge. This book was released on 2015-07-17 with total page 670 pages. Available in PDF, EPUB and Kindle. Book excerpt: This classic social insurance work has been updated to cover a decade of policy developments and the impact of the recent economic crisis.The book includes in-depth discussion of all major programs to reduce economic insecurity in the United States, including Social Security, Medicare, workers' compensation, unemployment compensation, and temporary disability insurance. The principles, characteristics, and policy issues associated with social insurance and public assistance programs are discussed in detail. The book examines each major cause of economic insecurity and analyzes the appropriate social insurance program for dealing with the problem.
Book Synopsis Societal Security and Crisis Management by : Per Lægreid
Download or read book Societal Security and Crisis Management written by Per Lægreid and published by Springer. This book was released on 2018-07-25 with total page 398 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book studies governance capacity and governance legitimacy for societal security and crisis management. It highlights the importance of building organizational capacity by focusing on the coordination of public resources and underscores the relevance of legitimacy by emphasizing the importance of public perceptions, attitudes, and trust vis-à-vis government arrangements for crisis management. The authors explore several cases and identify relevant dimensions concerning performance, capacity and legitimacy across different countries. It is an ideal volume for audiences interested in public administration, public policy, crisis management and security studies.
Book Synopsis Social Security by : Peter J. Ferrara
Download or read book Social Security written by Peter J. Ferrara and published by Cato Institute. This book was released on 1980 with total page 508 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis The Power Struggles over the Post-neoliberal Social Security System Reforms in Venezuela and Ecuador by : Ezequiel Luis Bistoletti
Download or read book The Power Struggles over the Post-neoliberal Social Security System Reforms in Venezuela and Ecuador written by Ezequiel Luis Bistoletti and published by Springer. This book was released on 2018-08-25 with total page 293 pages. Available in PDF, EPUB and Kindle. Book excerpt: This book carries out a comparative analysis of the power struggles over the post-neoliberal social security reforms in Venezuela and Ecuador. The research breaks down why the social security system reform initiated by Hugo Chávez’ government in Venezuela has come down since its passing in 2002, whereas the social security system reform initiated by Rafael Correa’s government in Ecuador has come along in spite of the obstacles since 2007. All in all, the analysis determined that the struggles over the social security system reforms in both countries remarkably corresponded to each other with regard to their structural conditions, points of contention, and contending actors. In contrast, the analysis established substantial divergences regarding the ways in which the struggles over both reforms came about, due to the divergent development of the struggles for hegemony between government and opposition. These divergences finally brought about the indefinite stagnation of the reform in Venezuela and the advancement of subsequent partial reforms aimed at the universalization of social security in Ecuador.
Author :International Labour Office. Social Security Department Publisher :International Labor Office ISBN 13 : Total Pages :160 pages Book Rating :4.:/5 (318 download)
Book Synopsis Extending Social Security to All by : International Labour Office. Social Security Department
Download or read book Extending Social Security to All written by International Labour Office. Social Security Department and published by International Labor Office. This book was released on 2010 with total page 160 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social security represents an investment in a country's human infrastructure, which is no less important than its physical infrastructure. This book outlines basic concepts such as the social protection floor and the social security staircase, analyses the affordability of various approaches, and examines the results of practices around the world, especially in low- and middle-income countries. Its second part weighs the pros and cons of conditional cash transfers and, based on a wealth of statistics, argues that effective social transfer programmes not only alleviate poverty, but also improve labour market participation, productivity, nutrition, health care, education, consumption and social inclusion. The overall message is that such investment can benefit poorer countries as well as richer ones, and that even in times of tightened budgets and global economic crisis , the dividends are well worth the expenditure.
Book Synopsis Social Security Pension Reform in Europe by : Martin Feldstein
Download or read book Social Security Pension Reform in Europe written by Martin Feldstein and published by University of Chicago Press. This book was released on 2002-01-01 with total page 514 pages. Available in PDF, EPUB and Kindle. Book excerpt: Social Security in the United States and in Europe is at a critical juncture. Through the essays assembled in Social Security Pension Reform in Europe, Martin Feldstein and Horst Siebert, along with a number of distinguished contributors, discuss the challenges facing Social Security reform in the aging societies of Europe. A remarkable range of European nations—Germany, France, Finland, the Netherlands, Poland, Romania, Italy, Sweden, the United Kingdom, and Hungary—have implemented or are about to implement mixed Social Security systems that combine a traditional defined benefit of the pay-as-you-go system with an individual retirement account defined contribution of a capital-funded system. The essays here highlight the problems that the European pension reform process faces and how it differs from that of the United States. This timely volume will significantly enrich the debate on pension reform worldwide.
