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S. And not as a long-term means to living comfortably.
Social Security Benefits
Social security benefits help many elderly and disabled people to live a reasonable life. In 2010, more than 53 million Americans received social security benefits that amount to a whopping $703 billion. Out of these, 34 million retired workers accounted for $40 billion and $1.7 billion went to 2.9 dependents of retired workers at an average amount of $1,170 per month. The eight million disabled workers and their $1.9 billion dependents received an average of $1,065 per month and this amounted to $8.5 billion and $0.6 billion respectively. The remaining $6.3 billion went to 6.4 million survivors at an average monthly benefit of $1,129. (Social Security Administration USA, 2010).
The Social Security Administration of the U.S. estimates that nine out of ten individuals who are 65 years and older receive social security benefits and this money accounts for about 40% of their income. The retired workers along with their dependents account for 69% of the benefits and this provides them a stable income in their older age. However, the average retirement age has increased to 70 for most people because of economic necessity and choice. (Trumball, 2011). This brings us to the question of social security benefits and medicare for the elderly. Also, for the first time, it is estimated that older people will outnumber children by 2045 and there will be fewer people to support this older population. Currently, 2.6...
Therefore, the Congress has to make some sweeping changes to the way this money is disbursed to the needy elderly.
Disabled workers and their dependents account for 19% of the social security benefits and this is because about 69% of private organizations do not offer long-term disability to their employees. Finally, the survivors of deceased workers account for 12% of the benefits and this is also because the private sector does not offer any kind of security net for the survivors of the deceased. This puts a bigger burden on the Government to provide for disabled workers and their dependents. So, Congress should look at some options that can make it mandatory for the private sector to provide disability benefits to its workers. This will reduce the need for social security benefits by almost one-third.
References
USDA Food and Nutrition Service. (December 2010). State Supplemental Nutrition Assistance Program Participation Rates in 2008. Washington, DC:Author. Retrieved from: http://www.fns.usda.gov/oane/MENU/Published/snap/FILES/Participation/Reaching2008.pdf
DeParle, Jason. (November 28, 2009). Food Stamp Use Soars and Stigma Fades. New York Times.
Social Security Administration USA (2010). Fact Sheets. Washington, DC:Author. Retrieved from: http://www.ssa.gov/pressoffice/factsheets/basicfact-alt.pdf
Trumball, Mark. (2011, January 17). The Retirement Workforce. Christian Science Monitor.
USDA. (2011). Nutrition Assistance Programs. Washington, DC:Author. Retrieved from:http://www.fns.usda.gov/fns/
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