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Social Problem

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Social Security should not be canceled. It is an essential part to Americans and this program should continue. If the benefits of Social Security were to be cut Americans will feel the drastic effect. Social Security has worked successfully until recent years when strategists predict that the rate of payee is less than the rate of beneficiaries. In another word, the rate of people paying for the program is less when the rate of retires people increases. Therefore, money will not come in fast enough to support the program. This is going to be a major problem when the Baby Boomer reaches their retire age.
Social Security is becoming a major concern to Americans as elderly populations, especially baby-boomers, are approaching old age. The generation that will take its place in the workforce is far smaller in proportion to the number of retirees, raising fears about the sustainability of Social Security. As a result of this decrease in the population there will not be as many citizens to Social Security. By law, the Trustees of the Social Security Trust Fund are required to plan seventy-five years into the future to determine whether, according to the best demographic and economic forecasts available. Social Security will be able to obtain enough money through payroll taxes on current workers to continue to pay benefits to those in retirement. Payroll taxes on current workers will be able to bring in enough revenue to finance Social Security. However, if the forecasts indicate a problem, a solution must be found (Social Security online).
Security is a contributory social insurance program providing benefits to millions of Americans. Workers contribute financially to the system during their careers and earn entitlement to benefits upon retirement, disability, or death. Currently, nearly 44 million Americans receive benefits under the Old Age and Survivors Insurance and Disability Insurance (OASDI) programs that make up Social Security. This group includes some 30 million elderly retirees and their dependents, 6 million disabled workers and their dependents, and more than 7 million survivors of deceased workers (Social Security Act). Social Security Act was to provide for the material needs of individuals and families; to protect aged and disabled persons against the expenses of illnesses that may otherwise use up their savings; to keep families together; and to give children the chance to grow up healthy and secure. Yet, Social Security has worked well for sixty years, and there is no reason to believe that it is on the verge of bankruptcy. The truth is that Social Security has cover for a various programs people need such as Old Age, Survivor and Disability Insurance, or OASDI; Trust Funds are adequately financed for the next twenty to twenty “five years and can continue to pay benefits with any change in the current law through 2030. Privatization, however, should not be part of the debate because it would destroy a system that has worked well for decades and would force older Americans, survivors and disabled persons in future generation to live in poverty (Social Security Act).
Older people work hard to save up their retirement in Social Security. When Social Security became privatize, they would lose all their money that was saved in Social Security. It will have a tremendous impact on the way they live and see the world. Social problems might arise from some elderly as they put forth their anger on the nation and the public. On the other hand, What if we keep it? We will run into a deficit. Therefore, government might find that to lower the deficit, they might tax us more, to finance Social Security. Then all of the working class will be furious, and they will go protest. One social security dependent citizen said, "Have everyone be responsible for their own savings for old age, and then nobody will have to worry.  However, to some people, they are not satisfied with that. Some people only have enough money to support their family and themselves and not enough to put into savings. Well, programs such as Medicaid also help the old people. In general, there is no final solution to Social Security. Our nation might have to face this subject with an open-mind and maybe we will be able to find possible solutions in the future.  (Interview)
Social Security provides a substantial number of worker and their families with insurance against the financial risks associated with the death or disability of a breadwinner. Around 75 percent of worker, aged twenty-one to sixty-four are eligible for benefits when they become disabled. Nearly all child under age eighteen (98 percent are eligible for benefits if a working parent dies (Social Security Act).
While people usually think of retirement benefits when they think of Social Security, the program also protects a worker who becomes severely disabled. Under Social Security, a worker is considered disabled if they cannot do work they did before and we decide that they cannot adjust to other work because of their medical conditions. The disability must be expected to last for at least 12 months or to result in death. Once benefits begin, they continue for as long as the worker is disabled and cannot work. The disabled worker and his or her eligible family members receive checks each month. More than 5 million disabled workers under 65 and 1.6 million dependents including more a million children receive Social Security. The average monthly payment to a disabled worker is $786; for a disabled worker with a spouse and one or more children, the average payment is $1,310. In addition, a worker who received disability payments for two year becomes eligible for Medicare (Social Security Administration).
Some of the social security taxes people pay go toward survivor insurance. In fact, the value of the survivors insurance you have under Social Security is probably more than the value of your individual life insurance. When someone who has worked and paid into Social Security dies, survivor benefits can be paid to certain family members. These include widows, widowers and divorced widows and widowers, children, and dependent parents. Right now 98 out of every 100 child could get the benefits to children than other federal program. When you died, certain members of your family might be eligible for survivor's benefits if you worked, paid Social Security taxes and earned enough "credits.  You can earn a maximum of four credits each year. The number of credit you need depends on your age when you die. The younger a person is, the fewer credits he or she needs to have family members are eligible for survivor's benefits. However, nobody needs more than 40 credits (10 year of work) to be eligible for any Social Security benefits (Social Security Disability Benefits).
The best way to keep Social Security a rock solid guarantee is not a make drastic cut in the benefits, not to raise payroll taxes, not to drain resources from Social Security. The Social Security program is a way of providing a base of economic security in today's society. It allows older Americans to live independently and with dignity, and relieves their families from the financial burden in their retirement years. Moreover, Social Security provides a valuable package of disability, retirement and survivors insurance to workers over their working lifetimes.

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