Silver Wave of Older Voters Important in Midterm Elections

Published in RINewsToday on October 19, 2026

Over the last four months, AARP has released polling results from nine battleground states to gauge candidate preferences, voter motivation, and the aging issues and policies that voters age 50 and older consider important when deciding who to vote for in the upcoming midterm elections.

AARP conducted the 2026 polls in Ohio (June), Georgia (July), Arizona and Michigan (August), Alaska, Maine, North Carolina and Texas (September), and New Hampshire (October).

Now, just weeks before the November midterms, AARP has released its final report, “Targeted Congressional District (TCD) Voter Survey,” highlighting the outsized role older American voters could play in deciding key congressional races. As with its previous nine state polls, AARP commissioned the bipartisan polling team of Fabrizio Ward (R) and Impact Research (D) to conduct the survey.

The 21-page report examines voters in 43 congressional districts rated Toss Up, Lean Republican or Lean Democrat by the Cook Political Report. Its findings show that older voters are particularly concerned about rising prices, especially the cost of groceries and gasoline, as Election Day approaches.

The poll covering 43 competitive congressional districts, found these leading issues among voters age 50 and older:

  1. Rising prices and affordability
  2. Threats to democracy
  3. Immigration

Among persuadable voters 50-plus (21%), the priorities were different:

  1. Rising prices and affordability
  2. Social Security and Medicare
  3. Taxes

“Older voters are the nation’s most reliable voters. They decide elections, so candidates can’t afford to overlook them,” said Nancy LeaMond, AARP Executive Vice President and Chief Advocacy Officer, in an Oct. 15, 2026 statement announcing the report’s findings. “Older voters want leaders who will protect Social Security and Medicare, support family caregivers, and ensure everyone can age with financial independence and dignity,” she said.

Research over time has shown that older voters make up a large part of the electorate and have a major impact on election results nationwide. Exit polls found that voters age 50 and older cast 55% of all ballots in 2024 and 59% in 2022. In the last midterm election, more than six out of ten older voters went to the polls, compared to about three out of ten voters under 30.

Latest findings suggest that older voters will continue showing up at the polls. Eighty-three percent of voters age 50 and older said they were extremely motivated to vote in November, compared to 66% of voters under 50. About 21% of older voters are considered “persuadable,” meaning they are not firmly committed to either party’s congressional candidate.

The pollsters also looked at the country’s mood and voters’ financial situations. The findings were not encouraging. Sixty-two percent believe the country is headed in the wrong direction, while 59% are worried about their personal finances.

The report shows Democrats holding a slim 3-point lead (49% to 46%) on the generic congressional ballot in the 43 competitive districts, with 5% undecided. President Trump carried these districts by 6 points in 2016.

But these findings show a clear generational divide:

* Republicans lead by 10 points (53% to 43%) among voters age 50 and older – while…

* Democrats lead by 26 points (60% to 34%) among voters under 50.

Looking at race:

* Republicans hold a 4-point advantage among white voters, while

* Democrats lead among Hispanic voters by 15 points and Black voters by 43 points.

Education also plays a role:

* Democrats are doing better among college graduates than among voters without four-year degrees.

The pollsters found that persuadable voters remain closely divided.

* Democrats lead by 6 points (42% to 36%) among persuadable voters overall, while…

* Republicans hold just a 1-point advantage (39% to 38%) among persuadable voters age 50 and older.

* Another 23% of these older voters remain undecided.

Top Issues of Concern

Not surprisingly, rising prices and affordability top the list of concerns for older voters in these competitive congressional districts, followed by threats to democracy and immigration.

For persuadable voters age 50 and older, the top three issues influencing their vote are rising prices and affordability, Social Security and Medicare, and taxes.

Looking more closely at Social Security, 58% of older voters say the program is or will be a major source of household income. An overwhelming 94% say they would be more likely to support a candidate who ensures they receive the Social Security benefits they earned through a lifetime of work.

On health care, 85% say they would be more likely to support a candidate who expands Medicare’s ability to negotiate prescription drug prices.

Caregiving is another important issue. Half of older voters surveyed say they are or have been family caregivers. At the same time, 77% would be more likely to support a candidate who provides a tax credit to help cover the costs of unpaid family caregiving.

Affordability. And when it comes to rising prices, groceries and gasoline remain the two biggest concerns.

Taking a Look at Gray Power at the Polls

Darrell West, a senior fellow at the Brookings Institution and former Brown University professor, agrees with the findings of AARP’s latest survey. Older voters have become a crucial swing group that could shape this year’s election, he says.

West explains that seniors don’t vote as a monolith. They regularly shift their votes between Republicans and Democrats. Ultimately, their choices in November may come down to how well candidates protect the programs they rely on most, particularly Social Security and Medicare.

“This invaluable poll illustrates that seniors and older adults matter,” says Max Richtman, President and CEO of the National Committee to Preserve Social Security and Medicare (NCPSSM). “Seniors will be the largest block of voters, and politicians ignore them at their own peril,” he warns.

“Seniors, who are more likely to live on a fixed income, have been especially hurt by Trump’s affordability crisis. This underlines the importance of Social Security in this election. This is why we say ‘Social Security is on the Ballot!’” stresses Richtman.

Richtman estimates that voters age 65 and older will account for more than 30% of the electorate. While Republicans have historically enjoyed an advantage among these voters, Democrats have narrowed that gap in recent elections, he says.

“Supporting Social Security is both good policy and good politics,” Richtman claims, pointing to the poll’s finding that 94% of older voters are more likely to support candidates who protect their Social Security benefits.

While AARP is a nonpartisan nonprofit organization that does not endorse political candidates, NCPSSM’s political action committee does.

According to Richtman, NCPSSM-PAC has endorsed and supported more than 50 candidates nationwide, including Josh Turek (Iowa), Dan Osborne (Nebraska), Abdul El-Sayed (Michigan), Roy Cooper (North Carolina) and Jon Ossoff (Georgia).

NCPSSM also compiles a congressional scorecard to inform older Americans about how votes in Washington affect Social Security, Medicare and other programs important to them. Based on the organization’s legislative priorities, Democrats generally receive higher scores than Republicans.

Richtman notes that NCPSSM-PAC has been busy educating voters about the stakes of this election through its “Social Security on the Ballot” mobilization campaign. Its message is that the lawmakers elected this November will help determine Social Security’s future and whether beneficiaries receive the benefits they have paid for. The organization is getting that message out through town halls, press conferences, social media, and traditional media appearances. It also works with candidates and campaigns on policy issues affecting older Americans.

Meanwhile, AARP continues its own voter education efforts through its “Social Security, Your Vote, Its Future” initiative, asking congressional candidates how they would protect and strengthen the program.

The nation’s largest organization representing older Americans also provides research and analysis on Social Security policies, works with federal officials and members of Congress, and organizes public education efforts to inform and mobilize its members.

Through its “I Am a Social Security Voter” campaign, AARP encourages voters to prioritize protecting Social Security when evaluating candidates.

AARP’s latest report suggests that in tightly contested congressional districts, the “silver wave” of older voters may be the deciding factor in who goes to Washington and who stays home.

Stay tuned…

The survey was conducted by AARP’s bipartisan polling group, Fabrizio Ward and Impact Research, and interviewed 1,368 likely voters in 43 competitive congressional districts between October 1 and 5, 2026, using a combination of cell phone, landline, and a text-to-web survey in both English and Spanish; the margin of sampling error is ±2.7 percentage points.

Full Survey Results: AARP’s 2026 Targeted Congressional District Voter Poll; go to Targeted Congressional District Voter Survey.

For AARP’s 2026 Midterm Election Polls, go to Older Voters in the 2026 Midterm Elections in Battleground States.

SSA Trustees Report Calls on Congress to Fix Social Security and Medicare

Published in RINewsToday on June 22, 2026

Congress faces the urgent legislative task of ensuring the long-term viability of the nation’s Social Security program. As in previous years, the Social Security Board of Trustees’ 2026 report warns that without congressional action, the OASI and DI Trust Funds will pay full benefits only through 2034. Afterward, payroll tax revenue will cover about 83% of scheduled benefits, highlighting the need for timely Congressional intervention.

Federal law requires that trust fund-financed programs such as Social Security and Medicare pay out only as much in benefits as they receive in revenues once their trust fund reserves run out.

According to the Social Security Administration (SSA), about 21% to 22% of the U.S. population currently receives Social Security benefits. The released Trustee’s report notes that at the end of 2025, Social Security paid benefits to more than 70 million Americans: 56 million retired workers and their dependents, 8 million disabled workers and their families, and 6 million survivors of deceased workers. Medicare covered an estimated 69.3 million people.

The Trustees also said that recent congressional actions, including the Social Security Fairness Act and changes to the taxation of Social Security benefits, weakened the program’s long-term financial outlook.

The Social Security Board of Trustees is the group that issues the annual report on the financial health of Social Security’s trust funds — the Old-Age and Survivors Insurance fund and the Disability Insurance fund.

It has six seats:

1.    Secretary of the Treasury — also the Managing Trustee

2.    Secretary of Labor

3.    Secretary of Health and Human Services

4.    Commissioner of Social Security

5.    Public Trustee appointed by the President and confirmed by the Senate

6.    Public Trustee appointed by the President and confirmed by the Senate

As of the 2026 Trustees Report, the current government-position trustees are:

·         Scott Bessent, Secretary of the Treasury and Managing Trustee

·         Keith E. Sonderling, Acting Secretary of Labor

·         Robert F. Kennedy Jr., Secretary of Health and Human Services

·         Frank J. Bisignano, Commissioner of Social Security

The two public trustee seats are currently vacant

Demographic Changes Strain Social Security Finances

The annual Trustees Report, released on June 9, said several long-term demographic trends strain the financial stability of Social Security, as fewer workers pay payroll taxes into the program to support a growing population of beneficiaries.

Americans live longer and collect benefits for more years, while millions of Baby Boomers continue to retire. Birthrates stay below historical levels, so fewer workers enter the labor force.  Lower levels of immigration increase financial pressure by reducing the number of workers who pay payroll taxes.

The combined Social Security trust funds are currently projected to pay full benefits through 2034. However, the outlook for the Old-Age and Survivors Insurance (OASI) Trust Fund has weakened slightly. Trustees project OASI reserves will be depleted in late 2032. At that point, revenues are expected to cover only about 78% of scheduled OASI benefits, compared to the overall 83% coverage for all Social Security benefits after combined depletion.

The Trustees Report also notes that Social Security’s disability program remains financially stable. The Disability Insurance (DI) Trust Fund is expected to stay adequately financed throughout the 75-year projection period and pay full benefits without interruption.

Taking a Look at Medicare

Also released on June 9, the 2026 Medicare Trustees Report found that Medicare remains financially stable in the near term but faces significant long-term funding shortfalls caused by rising health care costs and an aging population.

According to the Trustees, Medicare spending will grow faster than revenues dedicated to financing the program. The health care needs of retiring Baby Boomers, growing Medicare enrollment, rising medical costs, and increased spending for services used frequently by older adults—including skilled nursing care, home health care, and hospice services—largely drive this increase.

The Medicare Hospital Insurance (HI) Trust Fund, which pays for Medicare Part A services, is projected to be depleted in the second quarter of 2033—three months earlier than last year’s prediction. After depletion, Medicare Part A would be able to cover about 89% of its costs from incoming revenue. Part A covers inpatient hospital stays, skilled nursing facility services, home health care, and hospice care.

Congress must act within the next seven years to prevent significant reductions in Medicare payments to providers. Addressing the projected shortfall before the 2033 trust fund depletion is essential to avoid an estimated 11% funding gap.

Unlike Part A, Medicare Parts B and D are not expected to face trust fund insolvency because they are financed through a combination of beneficiary premiums and general federal revenues.

Max Richtman, President & CEO of the National Committee to Preserve Social Security and Medicare (NCPSSM), says a range of proposals could help extend the solvency of Medicare’s Hospital Insurance (HI) Trust Fund without reducing benefits.

Among the options, says Richtman, are raising the Medicare tax rate on earned and investment income above $400,000 from 3.8% to 5%, and closing loopholes that allow some high-income business owners to avoid Medicare taxes by structuring income in ways that escape both payroll taxes and the Net Investment Income Tax (NIIT). NCPSSM also supports redirecting revenue from the 3.8% NIIT—currently deposited into general federal revenues—directly to the HI Trust Fund, he says, noting that the group estimates this change could generate roughly $500 billion over 10 years.

In addition, Richtman recommends building on the prescription drug reforms in the Inflation Reduction Act by expanding Medicare’s ability to negotiate drug prices, accelerating negotiations as more medications are added, and extending inflation-rebate requirements to commercial insurance plans. Savings from these measures, he says, would be credited directly to the HI Trust Fund, further strengthening Medicare’s long-term outlook.

Reactions From Advocacy Groups and Lawmakers

In a statement, AARP CEO Dr. Myechia Minter-Jordan warned that the 2026 projections show Congress still must close a financing gap of nearly 20%, or Americans could face benefit reductions they cannot afford.

“This should be a wake-up call: Congress needs to act. Americans have worked hard and paid into Social Security their entire lives, and they deserve to count on it when they retire,” she said. “They planned for retirement, followed the rules, and now Congress must keep its promise by strengthening, not cutting, Social Security,” Minter-Jordan added, urging lawmakers to work across party lines to strengthen the program.

“The Social Security Trustees Report is a clarion call for Congress to strengthen the program now before the looming depletion of the trust fund becomes a full-blown crisis,” said NCPSSM’s Richtman in a released statement.

“If Congress fails to act, the combined retirement and disability trust fund reserves will run dry in 2034, and beneficiaries will suffer an automatic 17% cut—a scenario few want to see happen. Lawmakers should not wait until the last minute when options become more limited and remedies more costly,” he said.

Richtman also argued that benefit reductions are not necessary to restore Social Security’s financial health and that beneficiaries living on fixed incomes should not bear the burden of strengthening the program.

In a statement, Nancy Altman, president of Social Security Works, likewise emphasized that the Trustees Report demonstrates the consequences of inaction.

“As the Trustees Report plainly states, if there is insufficient revenue, Social Security benefits will be automatically cut,” Altman said.

On June 15, 2026, House Speaker Mike Johnson said during a Louisiana radio interview that Republicans would like to address the growth of mandatory federal spending programs in future budget discussions, including Social Security. He argued that the federal budget is increasingly driven by automatic spending commitments and said that Social Security and other entitlement programs “have to be adjusted and fixed.”

Responding to Johnson’s remarks, Altman argued that some Republican proposals would move Social Security toward privatization, a characterization that supporters of those proposals dispute. She also criticized proposals that would reduce future benefits rather than increase revenues to strengthen the program.

Public opinion surveys consistently show strong bipartisan support for preserving Social Security benefits. Altman argued that proposals to reduce benefits through means testing or other changes would be unpopular with voters and called on congressional candidates to explain how they would address the program’s long-term financing challenges.

During a June 10 morning hearing of the Joint Social Security and Work & Welfare Subcommittee with Social Security Commissioner Frank Bisignano, held in room 1100 at 100 Longworth House Office Building, Rep. Jason Smith (R-MO) noted that Social Security benefits have only been modified twice in 40 years, most recently in 1983, with only minor changes under his chairmanship of the House Committee on Ways and Means in 2025.

“Congress needs to get its act together to address Social Security and the insolvency that’s coming instead of poking blame at other people when it is our duty, our responsibility,” Smith said, urging bipartisan cooperation between Republicans and Democrats to reform the program. He called for the protection of vulnerable populations who depend entirely on Social Security for retirement and a dignified standard of living, particularly in the rural communities they represent.

“This latest report from the trustees is proof that Congress must step up now to protect Social Security before it’s too late. It’s only going to cost more and be more difficult to solve the longer we wait,” said Sen. Bill Cassidy (R-La.) in a statement issued on June 10, outlining his plan to rescue Social Security by creating a sovereign wealth fund independent of the Social Security Trust Fund.

Cassidy joined Sens. Thom Tillis (R-N.C.), Dick Durbin (D-Ill.), and Tim Kaine (D-Va.) in issuing a bipartisan statement following the release of the Trustees Report. The senators said that “Congress shouldn’t delay any longer” and urged lawmakers to begin debating and voting on proposals to strengthen Social Security’s long-term solvency.

Putting Social Security on the Ballot

The Trustees’ Report makes it very clear that Social Security and Medicare are not facing an immediate financial crisis. Both programs will continue paying benefits for years to come. However, these reports also warn Congress that delaying action will make the eventual policy solutions more difficult to achieve and potentially more disruptive.

Many Republican proposals focus on slowing future benefit growth through measures such as raising the retirement age, modifying cost-of-living adjustments, or expanding means testing, while many Democrats favor increasing revenues by requiring higher-income Americans to contribute more into the system.

Over a year ago, lawmakers introduced a major bill to rescue Social Security and Medicare. Senator Sheldon Whitehouse (D-RI) introduced the Medicare and Social Security Fair Share Act (S. 1690) to ensure both programs remain stable in the future. The plan raises money by closing tax loopholes for ultra-wealthy Americans, but it completely shields anyone making under $400,000 a year from paying higher taxes. Representative Brendan F. Boyle (D-PA) brought the exact same bill to the House floor at the same time.

Legislative proposals, such as Whitehouse’s, to adjust the taxable wage cap or apply payroll taxes to certain forms of investment income have also been offered as ways to ensure Social Security’s fiscal solvency.

A new voter education campaign is highlighting the financial challenges facing Social Security. Led by NCPSSM’s Richtman, the “Social Security is on the Ballot” initiative aims to build public support for legislative solutions, including Sen. Whitehouse and Rep. Boyle’s proposed Fair Share Act, to help secure funding for the program.

There are many issues competing for voters’ attention this year,” explains Richtman, “But few will have such a profound effect on your future. Voters should insist [at the ballot box] that the fundamental promise of Social Security be preserved – as the program is strengthened for the future,” he said.

This multi-faceted campaign will encompass social media, short web videos, special editions of our “You Earned This” podcast and radio show, mailings, and grass-roots engagement/activism.

For over 70 million older Americans who rely on their Social Security and Medicare benefits, the Trustees’ Reports deliver a very clear message: Congress must act sooner rather than kicking the proverbial can down the road (as it usually has). As the projected trust fund depletion dates draw closer, lawmakers will need to work across the aisle to strengthen these programs and ensure they remain financially sound for current beneficiaries and future generations.

___

For a copy of the 2026 Social Security Trustees Report, go to The 2026 OASDI Trustees Report

For a copy of the 2026 Medicare Trustees Report, go to 2026 Medicare Trustees Report

Will Social Security survive the midterms?

Published in RINewsToday on October 31, 2022

With the midterm elections just a week away, the sputtering economy and inflation top the public’s agenda. If voters hold President Joe Biden and Democratic lawmakers accountable for these concerns, voting for Republican candidates might just give control of Congress to the GOP.  By controlling the legislative agenda of both chambers, the GOP could drastically impact the future of Social Security and Medicare, warns the Washington, DC-based Center for American Progress (CAP), a public policy research and advocacy organization.   

House Minority leader Kevin McCarthy (R-CA) signaled on Oct. 18 during a Punchbowl News interview that the GOP would use next year’s debt limit threat as a bargaining chip to force spending cuts to entitlement programs including Social Security and Medicare, warns CAP, sounding the alarm in an Oct. 21st website article.

CAP’s article reported that McCarthy’s statement reveals how he might use the upcoming debt-limit debates next Congress to make cuts in entitlement programs if he takes control of the House’s legislative agenda next Congress. “You can’t just continue down the path to keep spending and adding to the debt.  And if people want to make a debt ceiling {for a longer period of time}, just like anything else, there comes a point in time where, okay, we’ll provide you more money, but you got to change your current behavior.” When pressed on whether the GOP would seek cuts to entitlement programs in a debt ceiling fight, the House Minority Leader refused to take Social Security and Medicare cuts off the table, saying “he wouldn’t predetermine anything,” he said.

Over the past ten months some Republican lawmakers have transparently outlined their plans to change the entitlement programs, noted CAP, detailing these examples:  

Nearly 75% called for slashing and privatizing Social Security, raising the retirement age to 70, and ending Medicare as we know it as part of the Republican Study Committee FY 2023 budget, says CAP.  

According to CAP, statements made by two Republican Senators might gain traction in a GOP controlled Congress.  Specifically, Rick Scott (R-FL), Chair of the National Republican Senatorial Campaign Committee, might gain support for his “Rescue America” plan, that would sunset Social Security and Medicare after five years, and recreate it every five years.

Over four months ago, Senator Lindsey Graham (R-SC), a key Republican on the Senate Budget Committee, promised “entitlement reform is a must for us to not become Greece” if the Republicans control the upper chamber,” noted CAP. 

CAP also noted that Republican Senate and House candidates in hotly contested races also called for changes to Social Security and Medicare and prescription drug reforms that lower drug costs for seniors. 

Added CAP, “Forty seven percent of Republican candidates for U.S. House running in toss-up districts, according to the Cook Political Report, actively support ending Social Security or Medicare as we know it.”

House and Senate Republicans are calling for the repeal of the recently enacted Medicare drug reforms. “In a Sept. 2022 story in Axios, several House Republicans called for repealing the prescription drug reforms included in the [recently enacted] Inflation Reduction Act.  Rep. Kevin Brady (R-TX), the ranking member of the powerful House Ways and Means Committee, saying, “I would image that will be a top priority for Republicans in the new [Congress],” says CAP.

Even before the dust settles after the upcoming midterm elections, Republican Senators have sponsored legislation to eliminate Medicare prescription reforms, says CAP.  “Senate Republicans Marco Rubio (R-FL), Mike Lee (R-UT), Cynthia Lummis (R-WY), and James Lankford (R_OK) have sponsored legislation to repeal the Inflation Reduction Act’s prescription drug provisions, including the creation of a $2,000 out-of-pock cap on prescription drug spending for Medicare Beneficiaries; a crackdown on drug companies that increase drug prices in the Medicare program faster than inflation; and empowering Medicare to negotiate for lower prescription drug prices,” notes the web article.  

Can Rhode Island’s new congressman stand up to House GOP leadership?

Throughout the CD2 campaign, RI General Treasurer Seth Magaziner has tried to tie former Mayor Allan Fung to the GOP agenda to cut Social Security and Medicare.  Fung has called his Democratic opponent “a liar,” stating that his own mother relies on her Social Security check. During his debates, the GOP candidate says,  “Do you think I would ever do anything to hurt my own mother?” he says.

Fung calls for bipartisan support to strengthen Social Security – like “Scrapping the Cap” that will tax persons at higher incomes, and for the expansion of coverage for dental work, vision care, and hearing aids.  

Fung also distances himself from the far-right Republicans by consistently saying he has a long history of being a political moderate and taking a balanced approach and working across the aisle to get things done. He pledges to co-sponsor bipartisan legislation.

While Fung stays razor focused on tying Magaziner, President Biden and Congressional Democrats to causing high inflation rates and a sputtering economy, Magaziner says don’t forget about Social Security and Medicare.

In an interview with Politico Fung said, “I’ve always been that middle-of-the-road, common sense-type person. They’re talking like, ‘Oh, there’s this radical Republican.’ That’s not me.”

Politico continues, “Fung is among a small cadre of centrists looking to revive the mantle of New England Republican in the House. They’re largely running away from Trump and social conservatism, hitting their Democratic opponents on record-high prices and betting that inflation worries over everything from home heating oil to fertilizer will resonate in the region’s mix of tiny blue-collar cities, wealthy suburbs and family farms.”

Fung talks frequently about his intent, if elected to be involved in the “Problem Solvers Caucus”,  an independent member-driven group in Congress, comprised of representatives from across the country – equally divided between Democrats and Republicans – committed to finding common ground on many of the key issues facing the nation. He hopes to have a leadership role in this group, bringing a more moderate Republican influence to Congress.

As a moderate freshman congressman, can Fung be a strong voice to the GOP leadership against any proposal that would make cuts to Social Security and Medicare?  As a moderate freshman congressman, can Magaziner be a strong voice to the Democratic leadership?

It’s clear that after a Congressman (Langevin) with considerable years of clout in congress, both candidates will have a path in front of them to create their own influence and strength.