New study gives Congress a road map to fix Social Security 

Published in RINewsToday on February 17, 2025

As Social Security celebrates its 90th anniversary on Aug. 14, 2025, this essential retirement program has long been facing a significant long-term financing gap.  According to the 2024 Social Security trustees report, unless Congress acts the trust funds will be depleted by 2035, forcing the program to reduce benefits by 17%.

With over 70 million retirees and individuals with disabilities receiving Social Security benefits, it is time for Congress to get serious about hammering out a viable bipartisan solution to resolving Social Security’s funding gap.  And a recently released report provides the groundwork for a policy that a partisan Congress might just consider.   

Last month, the National Academy of Social Insurance (NASI), AARP, the National Institute on Retirement Security (NIRS), and the U.S. Chamber of Commerce (USCC) released the results of a qualitative analysis study, on Jan. 29, 2025, detailing American views on Social Security, a federal “social safety net” program that provides income to people who are retired, disabled, or have dependents, helping them to plan for retirement and other life events.   

The new, recently released, 72-page report, entitled, Social Security at 90: A Bipartisan Roadmap for the Program’s Future, is a must read for the White House and Congressional lawmakers as they begin to debate specific policies that would make long-term fixes to ensure the long-term solvency of the America’s retirement program.  

The NASI survey, fielded by NORC at the University of Chicago, a nonprofit research organization, surveyed 2,243 Americans ages 21 and over. 

Unlike most public opinion research on Social Security, which asks about each policy option individually, NASI says that this survey, conducted in partnership with the Washington, DC-based Greenwald Research, a firm having extensive experience in public opinion and consumer preference research, features a unique trade-off analysis that examine which combination of product features – or in this case policy changes- that consumers prefer and are willing to pay for.

The study’s findings are also largely consistent with previous NASI 2012 and 2014 studies, Strengthening Social Security: What Do American’s Want? and Americans Make Hard Choices: A Survey with Trade-off Analysis

Sending a clear message to Washington

The NASI study’s findings indicate that Americans (across party lines, generations, income and education), strongly support Social Security and see it as the lynchpin for retirement security.  Only four percent state that they do not consider it to be an important income to draw on during retirement. 

Rather than ensuring the solvency of Social Security through cutting benefits, the survey respondents strongly support strengthening the program’s finances by raising revenues, noting the study’s findings.  Eighty-five percent of the respondents call for benefits not being reduced, even if this means raising taxes on some or all Americans.

According to the survey’s findings, the most strongly favored option is eliminating the cap on payroll tax contributions for those earning more than $400,000 per year and their employers, who would contribute to Social Security via payroll taxes on wages above that amount. Those affected would not receive additional benefits.

Additionally, respondents across all groups, including a majority of Republicans, say they are willing to pay more themselves by gradually increasing the payroll tax rate from 6.2 percent to 7.2 percent, to strengthen the program’s finances.  Workers earning less than $50,000 per year would not take financial hits. They would only contribute an additional $42 per month.

Don’t touch our benefits!

Given a broad set of policy options available to address Social Security’s financing gap, the respondents also reject benefit reductions such as keeping the full retirement age at 67 instead of further raising. Those surveyed also called for adjusting the annual cost-of-living adjustment (COLA) to more accurately reflect inflation and spending habits of older adults.

The NASI study also found that Americans want to strengthen Social Security benefits by adding a caregiver credit for workers who take time out of the workforce to care for young children and a “bridge benefit” to protect from the early claiming reduction of those in physically demanding jobs who may be unable to continue working up to full retirement age.

Finally, the study’s findings indicate that overwhelming majority of Americans (90 percent) see the need and valuable of Social Security’s disability benefits, too.  These respondents say that they will need Social Security’s disability benefits if they become disabled and unable to support themselves through work, and only four percent support cutting disability benefits. The survey also finds strong bipartisan support for updating outdated rules in Supplemental Security Income, including its $2,000 asset limit.

Statements from NASI and core partners

“At a time when our country is deeply divided, Social Security remains a powerful unifying force,” said Rebecca Vallas, NASI’s Chief Executive Officer. “This survey shows there is strong bipartisan agreement on how the American people want to secure the program’s future, and we urge policymakers to listen,” she says.

“It is rare in today’s political climate to see people unite around anything,” adds AARP Chief Public Policy Officer Deb Whitman, noting that all Americans want their Social Security benefits to be preserved. They are willing to do what it takes to ensure the program continues to provide meaningful support for future generations, she says.

“Social Security is the foundation of retirement security in the United States. This report clearly indicates both the important role that Social Security plays as a source of retirement income for older Americans as well as the priority the American people place on resolving the financing gap so that benefits are not cut indiscriminately,” said Tyler Bond, NIRS’s Research Director. “This research continues a long history of finding strong support for Social Security among the public,” he says.

Finally, stated: “These survey results show that Americans value Social Security and their private sector retirement benefits because they were unwilling to cut those benefits to finance Social Security,” says Chantel Sheaks, USCC’s Vice President of Retirement Policy. “Americans think of these together, and policymakers should as well,” he suggests.

Adding their two cents

“This survey shows that Americans — Democrats, Republicans, and independents alike — absolutely do not want to see cuts to Social Security’s modest benefits,” says Nancy Altman, President of the Washington, DC-based Social Security Works.

“Instead, they want the wealthy to finally start contributing their fair share. If necessary, they are even willing to pay more themselves. Any DC politician who supports benefit cuts is wildly out of step with the American people,” she notes.

“While the study’s findings are consistent with other major surveys on Social Security during the previous years, it is remarkable that despite the current tumultuous political environment, American voters have a deep emotional bond with the program and want to ensure that Congress protects and improves their benefits without cutting them,” says Dan Adcock, director of government relations and policy at the Washington, DC-based National Committee to Preserve Social Security and Medicare.

The NASI poll sends a strong signal to members of Congress that they should support legislation, like Rep. John Larson (D-CT) and Sen. Richard Blumenthal’s Social Security 2100 Act, that would extend solvency and improve benefits by having the wealthy pay their fair share of payroll taxes,” says Adcock. 

In one of President Trump’s rolling press conferences, he touched upon Social Security saying there were no cuts being proposed – if anything he would make the program stronger.

Social Security and the Ocean State 

In 2022, there were more than 233,000 Social Security beneficiaries in Rhode Island, including more than 172,000 retirees, 32,000 disabled workers, and almost 14,000 children,” says NIRS’s Tyler Bond, noting that all of these Rhode Islanders face the prospect of an indiscriminate benefit cut in a decade unless Congress acts to shore up Social Security’s financing. 

“This report has one clear takeaway: the American people do not want Social Security benefit cuts, and they are willing to pay more themselves to avoid those potential benefit cuts,” adds Bond.

In conclusion, the NASI report cites 84-year-old Elizabeth R. Virginia, about her personal views on America’s retirement program. “Social Security is one of the most dependable things that we have. You know that it will come again at the same time. Right now, I know the second day of every month, it is there,” she says.

As Virginia knows, she can count on receiving her monthly Social Security check.  The program has never missed a payment in nine decades.  Congress must now work together to ensure that this never will happen.

For a copy of NASI’s Social Security report, go to www.nasi.org/wp-content/uploads/2025/01/NASI_SocialSecurityat90.pdf

For copy of NASI’s issue brief, “America’s View on Social Security,” go to www.nirsonline.org/wp-content/uploads/2024/07/FINAL-Views-on-SS-July-2024.pdf/

For statistics on RI Social Security beneficiaries, go to Source for RI statistics, go to www.ssa.gov/policy/docs/statcomps/oasdi_zip/2022/ri.pdf.

First Senate Aging Committee hearing of new congress looks at wellness

Published in RINewsToday on February 3, 2025

Over a week after the 119th Congress began on Friday, Jan. 3, U.S. Sen. Rick Scott (R-Fla.) took the reins of the U.S. Special Committee on Aging, becoming its 20thchairman. He follows in the footsteps of former Chairman Sen. Bob Casey (D-Pa.), a 3-term Democratic Senator, who lost his reelection bid for a fourth term to Republican Dave McCormick. a West Point graduate, combat veteran and bronze star recipient, a national security, expert, and former hedge fund manager.

On Wednesday afternoon, on Jan. 15 in SD 106, Scott chaired the first Senate Aging Committee hearing of the new Congress, entitled “Improving Wellness Among Seniors: Setting a Standard for the American Dream.” The hearing, lasting two hours and seven minutes, put the spotlight on America’s senior health, personal and community safety and the benefits of socializing and working later in life. 

While established in 1961 as a temporary committee, the Senate Aging Committee became a permanent Senate committee in 1977.  Over the years, aging advocates say that committee has operated in a bipartisan manor.  And the Florida Senator says he will carry on this tradition.

In his opening statement, the Republican Chairman stressed that aging is not a partisan issue. “Whether or not we’d like to admit it or note, we are all aging, and it impacts every single one of us regardless of political party” he said.

“I believe we have a big opportunity in this Committee to work in a bipartisan manner to support and improve the lives of America’s current senior citizens and create change that will improve both the lifespan and health span of future generations, said Chairman Scott, pledging that he and his staff will “work together with all the members here to find common ground and ways we can advance or shared goals.”

As chairman, Scott’s goals are to make sure every senior can say that they are physically healthy, financially secure, live in a safe community and has family and community support. “If you have all four of these things, your senior years can be the best time of your life,” he notes.

Sen. Kristin Gillibrand (D-N.Y.), the ranking member who has served on the Senate Aging Committee since 2009, congratulated Scott for assuming his chairmanship position, “I look forward to working closely with you during this Congress,” she said, in her opening statement.

According to the Democratic Senator, the Senate Aging Committee has a long history of bipartisanship. “I hope we continue that tradition to advance an agenda that makes sure our loved ones can age with the support they need and with dignity and respect,” she said.

Gillibrand reported that she hopes to continue working on lower prescription drug costs, continuing to guard against financial scams, and protecting programs that older adults and people with disabilities rely on, such as Social Security, Medicaid, and Medicare. 

The ranking member noted that this hearing would address how to promote wellness among older adults. “We’ll address issues like accessible housing, financial security, and engagement with the community,” she said, the importance of giving people the tools to live and age well. “Those tools are different for everyone, but include resources like nutrition assistance programs, Area Agencies on Aging, Centers for Independent Living, supportive housing programs, Medicare and Medicaid, and Social Security,” she added.  

 Ways to Improve the Health and Wellness of the Nation’s Seniors

During his testimony, Sheriff Bill Prummell rattled off a list of proactive and effective ways that the Sheriff’s Office serves and protects seniors and disabled adults residing in Charlottee County, Florida.  Prummell shared a number of innovative programs with the Senators that could easily be replicated throughout the nation.  

Here are just a few…

According to Prummell, who serves as President of the Florida Sheriff’s Association, his office utilizes trained volunteers to reach out weekly to isolated age 60 and over seniors and disabled adults. The volunteers get to know these individuals thru their weekly phone calls, by giving them Christmas gifts and mailing birthday cards to these individuals on that special date, too. 

Meanwhile, Prummell noted that efforts like Project Lifesaver (using GPS tracking bracelets to locate wanderers) and DNA Scent Kits (enabling participants to keep a DNA scent article at home to be used by K9 Deputies) to assist his deputies in finding missing wanderers.  

And, Operation Pill Drop, even allows individuals to dispose of expired or unwanted medication in drug receptacle boxes at participating district offices, he says, noting that this keeps family members and others from accessing the senior’s medication cabinet to take old and unused medications. 

While she has seen dramatic improvements in preventative and health promotion programs, “we still have a long way to go,” says Witness Maria Alvarez, Executive Director of New York Statewide Senior Action Council.  She used the Senate Aging Committee hearing as a bully pulpit to call for a 2025 White House Conference on Aging be held to “help the country chart a course for addressing the needs of the growing older population as 20 percent of this country is now over the age of 65.”

“But we cannot ignore the need to recognize that having health care and preventive services available is not sufficient if they are not affordable or if discrimination, actual or perceived persists,” Alvarez says.

According to Alvarez, along with Social Security and Medicare and Medicaid, the Older Americans Act “has had seismic effect on the elderly population. “These programs provide a framework that seniors can rely on to continue to live and thrive and live with dignity, she says.

Witness Dawn Carr, Ph.D., director of the Claude Pepper Center at Florida State University, told the attending Senators that it’s time to reframe aging policy to promote healthy aging, noting that this “will require an expansion of our current aging-related policy goals.” These goals must emphasize supporting healthy aging throughout a person’s lifespan, she said.

“It means expanding healthy aging research, improving health care literacy and access, and incentivizing health behaviors and health interventions based on optimal health function goals,” says Dr. Carr, adding that this means “thinking about viewing older people as a critical resource that improves our society, rather than as a barrier to societal progress.”

Finally, during her testimony, Professor Emerita Dr. Susan Hughes, Ph.D., in the Division of Community Health Sciences and Founding Director of the Center for Research and Health and Aging at the University of Illinois Chicago (UIC) described the imitations of current funding for health promotion programs for older adults, calling for “transformational re-thinking” of a historical focus on post-acute care.  According to Dr. Hughes, this has resulted in  funding gaps in supporting long-term care and preventative programs for older adults, especially for those with chronic conditions like arthritis. 

Increased funding for wellness programs could reduce health care costs and improve out outcomes, she says, citing the success of UIC’s Fit & Strong! Program, a low cost, evidence-based intervention that helps senior’s manage osteoarthritis through physical activity.

But, despite the success of programs like Fit & Strong! lack of funding and reimbursement mechanisms, limit their impact, charges Dr. Hughes. calling for the Older American’s Act (OAA), particularly Title III D (or a new title), to support the funding of physical activity programming. 

“Ultimately, however, we will see much bigger returns if we develop demonstrations and/or regulations or reimbursement mechanisms that support the dissemination of and access to evidence-based health promotion programs as extensively as possible through Medicare, says Dr. Hughes. 

Walking the Talk

“Helping older people is a bipartisan issue — and the Aging Committee has a history of addressing the challenges that seniors face.  The work that the Senate Aging Committee does is especially critical today, with 10,000 Baby Boomers turning 65 every day, and given the uncertainty about the future of critical programs like Medicare, Medicaid, and Social Security,” says Max Richtman, President & CEO, National Committee to Preserve Social Security and Medicare.

Taking the reins of the Senate Aging Committee, Chairman Scott pledges to work with Ranking Member Gillibrand in a “bipartisan manner” to improve the lives of America’s seniors.  Will he walk his talk or are these just empty words?   

Republicans and Democrats on the Senate Aging Committee MUST work together to push the Republican-controlled Senate to allocate increased funding for the AOA and Medicare, or create additional reimbursement mechanisms to promote health and wellness programs.  Research tells us that these programs increase physical activity, brings people together to socialize, and enhances brain health, and even cuts medical costs.  Even with a federal budget deficit, in this case Congress must not be penny wise and pound foolish. 

To watch this Senate Aging Committee hearing go to 

https://www.aging.senate.gov/hearings/improving-wellness-among-seniors-setting-a-standard-for-the-american-dream.

Historic Social Security Legislation Awaits President’s Signature

Published in RINewsToday on Dec. 30, 2024

After 40 years, a polarized Congress actually worked together on behalf of millions of Americans with public pensions to push through bipartisan legislation repealing two Social Security provisions that would benefit these individuals. Just past midnight in the early hours of Saturday, on Dec. 21, 2024, the U.S. Senate took up S. 597, a companion measure to H.R. 82, the Social Security Fairness Act, repealing unpopular WEP (Windfall Elimination Provision) & GPO (Government Pension Offset) provisions titles in the Social Security program.   

The House had overwhelmingly passed H.R. 82, introduced last month introduced by Reps. Garret Graves (R-Louisiana) and Abigail Spanberger (D-VA).

The Senate companion measure, authored by U.S. Senators Susan Collins (R-Maine) and Sherrod Brown (D-OH), overwhelmingly passed without amendment, by a Yea-Nay vote, 76-20 (with Sens. Marco Rubio (R-FL), JD Vance (R-Ohio), Joe Manchin (I-WV) and Adam Schiff (D-CA) not voting) and now goes to President Biden to be signed into law. At press time, H.R. 82 has not been signed and the President has until Dec. 31 to sign or veto the bill.

Before the historic Senate vote, at a Dec. 16 meeting with Patrick Yoes, National President of the Fraternal Order of Police (FOP), and Executive Director Jim Pasco met with President-elect Donald J. Trump at his home in Mar-a-Lago, President elect Donald Trump announced his support for the upper chambers’ passage of the “Social Security Fairness Act”— the “FOP’s top priority.”

Earlier this year, Collins and Brown had called on Senate leadership to immediately bring their legislation, which had 62 Senate co-sponsors—above the margin needed for passage—to the Senate floor for a vote. Collins held the first Senate hearing on this policy in 2003 as Chair of the Senate Government Affairs Committee. She, along with the late Senator Dianne Feinstein, first introduced the Social Security Fairness Act in 2005. 

Their bipartisan efforts pushed the legislative Social Security fix across the goal line, at the end of the second session of the 118th Congress.  For Brown, who lost his bid for re-election in November, passage of S. 597 was a bitter sweet moment for him as he leaves the U.S. Senate after serving as a U.S. senator from Ohio since 2007. 

In a Nutshell… 

According to Graves, WEP reduces the earned Social Security benefits of an individual who also receives a public pension from a job not covered by Social Security.  This financially impacts educators who do not earn Social Security in public schools but who work part-time or during the summer in jobs covered by Social Security, who have reduced benefits, even though they pay into the system just like others, Graves says.

Likewise, the GPO affects the spousal benefits of people who work as federal, state, or local government employees — including police officers, firefighters, and educators — if the job is not covered by Social Security. The GPO reduces by two-thirds the benefit received by surviving spouses who also collect a government pension, added Graves. 

According to the National Education Association (NEA), more than 2.8 million public sector employees in 26 states were impacted by GPO and WEP. Educators were affected in 15 of those states, because they pay into their state pension system, but not into Social Security, says NEA. 

The WEP currently impacts approximately 2 million Social Security beneficiaries, and the GPO impacts nearly 800,000 retirees.

Rally calls for passage of H.R. 82, gets Majority Senate Leader’s attention

Before Congress left Capitol Hill for recess, Graves and Spanberger, the primary sponsors of H.R. 82, had filed a discharge petition for their Social Security Fairness Act — which secured the required 218 signatures needed  to force a floor vote in the U.S. House. On Nov. 12, 2024,  a bipartisan majority voted 327 to 74, under suspension of rules to pass the legislation, sending it to the upper legislative chamber for consideration.

A week before the Senate vote on Dec. 21th, the National Active and Retired Federal Employees Association along with unions representing fire fighters, teachers, police officers and other public service workers rallied at 11:30 a.m., at the Upper Senate Park at the U.S. Capitol, in pouring rain outside the Capitol, calling for passage of H.R. 82. Joining the rally, Majority Senate leader Chuck Schumer.  “I’m here to tell you all today – we are going to call a vote on repealing WEP and GPO,” he said, calling the two Social Security titles “unfair and un-American.”  

 After the rally, Graves quickly issued this statement:  “The Senate Majority Leader has called for a vote on our bill H.R. 82 – provided he gets the necessary 60 votes to get it to the floor. More than 60 Senators support our Social Security Fairness Act. In the House we have led the effort for years to build the winning coalition, resulting in the most cosponsored bill – the most popular bill – in the Congress. We defied the odds and fought back sneak attacks to successfully complete a discharge petition that resulted in the first vote in history to repeal the WEP and GPO. The heavy lifting is done. The path to victory could not be clearer. A WEP-GPO repeal could be in the stockings of millions of public service retirees this Christmas. Pass H.R. 82 now,” he said.   

GOP lawmakers express concerns over financial impact

In response to a request from Chuck Grassley, the Congressional Budget Office (CBO) had provided the Ranking Member of the Senate Budget Committee with its legislative analysis. The findings showed that the elimination of the WEP and GPO, as specified in H.R. 82, would permanently increase outlays for scheduled Social Security benefits—that is, the amounts that the program would pay if it continued to pay benefits as scheduled under current law, regardless of whether the program’s two trust funds had sufficient balances to cover those payments. That increase in Social Security benefits would drive the program’s spending even further above its revenues than it is already projected to be under current law. CBO estimates that the changes will cost nearly $ 200 billion over a 10-year period.

Senators Mike Crapo (R-ID), Grassley (R-IA), Ted Cruz (R-TX), Rand Paul (R-KY) and Thom Tillis (R-NC) and 16 other Republican Senators opposed passage, expressing strong concerns about the bill’s cost. This apprehension reinforced by the recently released CBO analysis.

Citing a CBO analysis of S. 82, the Republican Senators were concerned that the legislative proposal would reduce the Social Security trust fund by an additional $200 billion during the next decade, moving up the insolvency date by six months.

On the Senate floor, North Carolina Republican Sen. Thom Tillis said the bill’s title made it sound like “motherhood and apple pie,” quipping “who could be against Social Security fairness?” But he argued it wasn’t the right approach to address the problem.

However, 29 Republican Senators, including Sen. John Kennedy (R-LA), were not concerned about the CBO analysis, voting for passage of the legislative proposal. 

Following the Senate vote, in a video on X, Kennedy stated: “Social Security is not free. People pay into it. The money we “spent” today in this bill – all we did is give it back to the people who earned it. Today was a good day. It was a good day for fairness, it was a good day for the Social Security system, and a good day for the people of Louisiana – even if you aren’t affected by these two unfair provisions of the Social Security Act, all Louisianians I know believe in fairness. Right is right and wrong is wrong, and I think we did the right thing here, and I’m pleased.” 

With the dust settling after the Senate vote, after 40 years of trying to fix a Social Security benefits issue impacting public sector workers, Democratic and Republican lawmakers put aside political differences and finally fixed the pressing policy issue.

Celebrating the historic passage 

Following the Senate vote for passage of H.R. 82, the National Fraternal Order of Police, International Association of Fire Fighters, National Active and Retired Federal Employees Association, American Federation of Government Employees, American Federation of State, County & Municipal Employees, National Rural Letter Carriers’ Association, National Education Association, and Peace Officers Research Association of California applauded this legislation being sent to the president’s desk to enhance the fairness of Social Security to public workers. 

U.S. Senator Sheldon Whitehouse (D-RI) commended the passage of the Social Security Fairness Act, legislation he cosponsored to eliminate two policies. “Thousands of Rhode Islanders who receive government pensions but also contributed to Social Security through private-sector employment stand to benefit from the legislation,” he says.

“I’ve worked with my colleague Sherrod Brown for years to pass this legislation in order to ensure that millions of teachers, postal workers, firefighters, law enforcement officers, and other dedicated civil servants get the benefits they have earned, says U.S. Senator Jack Reed. “I’m glad we were able to finally deliver this correction for millions of hardworking Americans and I’m committed to protecting and strengthening Social Security to ensure all Americans are able to retire with the dignity and financial security they have earned,” he said.

Max Richman, President and CEO of the National Committee to Preserve Social Security and Medicare (NCPSSM) called for passage of this bill because it because it removes an unfairness in the retirement system by allowing teachers, firefighters, and police officers (among others) and their families to collect Social Security benefits. 

Before the Senate vote, NCPSSM announced its opposition of any amendment that diluted this legislation or cut Social Security benefits in any way — including raising the retirement age.  The Washington, DC-based Social Security advocacy group circulated a letter to all 100 U.S. Senators before the vote on Dec. 21, opposing any efforts to raise the retirement age. 

According to Richtman, nearly 3 million public sector employees are on the verge of being able to receive the Social Security benefits they’ve earned — thanks to the United States Senate. 

“We supported this bill because it removes an unfairness in the system by finally allowing teachers, firefighters, and police officers (among others) and their families to collect full Social Security benefits. Many of our own members and supporters made it clear that they want the WEP & GPO repealed,” says Richtman.

“The Senate vote delivers us to the doorstep of a long-sought goal — to restore fairness to a system that has worked incredibly well for nearly 90 years to provide American workers with basic financial security,” says Richtman. 

According to a statement issued by National Education Association, Martha Karlovetz estimated that these discriminatory laws have cost her more than a hundred thousand dollars since 1995, when she retired from teaching at the Parkway School District outside St. Louis, Missouri. And if her husband had passed away before her, the laws would have meant that Karlovetz would have received only $14 per month in survivor benefits, even though her husband paid Social Security taxes throughout his 40-year career at McDonnell-Douglas/Boeing.

“The repeal of GPO and WEP is truly a historic win for all public employees and their families,” said Karlovetz. “These unfair provisions have taken a great toll. I have lost well over $110,000 in benefits earned in the 15 years I worked and paid into Social Security before becoming a teacher in Missouri, a GPO-WEP state. Now that we have helped achieve this victory, educators like me can breathe easier. For some, this is truly life-changing,” she says.

With the 119th Congress fast approaching, Congressional lawmakers must work together to fix a financially ailing Social Security Program.  Just like they did to pass bipartisan legislation to right a wrong affecting millions of retirees and public sector workers.  

To see Nov. 8 CBO correspondence to Sen. Grassley as to impact of S. 82 on the Social Security program, go to https://www.cbo.gov/system/files/2024-11/60876-HR82.pdf

 To download a CRS report that details Social Security beneficiaries affected by both the Windfall Elimination Provision (WEP) and the Government Pension Offset (GPO), to https://crsreports.congress.gov/product/pdf/R/R45845