Let's set the ambitious plans aside. Can a modest change to Social Security provide a meaningful improvement at effectively no cost?
of the Social Security Policy Innovations Challenge it sponsored along with the AARP. I’m happy to say that among the four winning proposals is one with my name on it, so I have been waiting impatiently for this press release so I could share this proposal with my readers.
It’s a hack, not unlike the “life hacks” promoted in YouTube videos and Facebook posts: a simple change that’s not earth-shattering but has the potential to provide meaningful improvements to workers, by ending the one-size-fits-all aspect of Social Security benefit commencement. I therefore proposed that, to mitigate the impact of these reductions, workers be able to choose to partially begin benefits at a given point in time, then switch to full benefits later on. Straightforwardly enough, this would mean that only the portion of the benefit begun early would be reduced, and the rest would be available “in full” later.
It should also go without saying that the existing penalties for working while collecting Social Security would be removed. Actuarially, however, this would not add to the cost, since these reductions are “repaid” to recipients in the future.
France Dernières Nouvelles, France Actualités
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