Making a cost-of-living adjustment (COLA) to Social Security benefits might actually be detrimental to retirees, not helpful.
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The unpredictability of Social Security benefits is just as big a problem for retirement planning as stock losses in a 401(k). Here is how policymakers can address it.
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The Case for Cutting the Social Security Tax for Workers near Retirement
One reform to extend working years and enhance income security in retirement would be to reduce or eliminate the payroll tax for individuals above a given age.
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The Retirement Security "Crisis"
While policymakers should work to strengthen Social Security and private pension savings, talk of a crisis in retirement income preparedness appears premature.
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Making Social Security Progressivity Work for Low-Income Retirees
Individuals with lower lifetime earnings receive better treatment on average from Social Security, but lifetime earnings area weak predictor of how any one person will be treated by the program.
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Personal Accounts and the Stock Market Collapse
Even with the stock market collapse of the past two months, retirees under a hypothetical personal-account model wouldhave significantly increased their totalSocial Securitybenefits.
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