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"Two types of changes to Social Security have been proposed. One would keep the current defined-benefit structure but build and maintain a larger trust fund, to be partially invested in stocks and corporate bonds. The other would set up individual funded accounts, also to be partially invested in private markets. Both would raise taxes or lower benefits in the near term to increase funds for paying future benefits."--Jacket. "This study addresses many important aspects of these politically charged proposals. The questions discussed include: Should Social Security have more advance funding? Should Social Security funds be invested in the stock market? If investments are organized by the government, what independent institutions would shield portfolio decisions and corporate governance from political pressures? If investments are privately organized, what would be the regulatory structure? Finally should Social Security include individual defined-contribution accounts or stay with traditional defined benefits?"--Jacket.

Social security --- Privatization --- OASDI (United States) --- Old Age, Survivors, and Disability Insurance (United States) --- United States

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Medicare --- Medicaid. --- Health insurance

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A Brookings Institution Press and National Academy for Social Insurance publication In this new conference volume from the National Academy of Social Insurance, experts offer differing views on what changes will, and must, occur to ensure the continuing viability of Social Security, retirement benefits, unemployment insurance, Medicare, and health security programs. The book opens with a general overview of how economic and political forces will shape the future of social insurance. In the chapters that follow, contributors discuss and debate a full range of related topics, including future So

Social security

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In the debate over Social Security reform, most of the work on individual accounts has focused on how individuals would save and manage those accounts during their working lives. Uncharted Waters goes further and addresses the often neglected questions about how and under what circumstances funds could be withdrawn from these accounts. In Uncharted Waters, a panel of recognized experts created a framework for determining how benefits might be paid if private accounts become a new part of the Social Security system or are created separate from Social Security. This important volume analyzes the potential implications of different policy choices. It considers the ramifications of payout rules for families at different stages of life, particularly for economically disadvantaged groups. The contributors also address how any new individual account program would fit with traditional Social Security, employer-based pensions, and tax-advantaged individual retirement savings (401(k)s and IRAs). As the debate over individual savings accounts rages, Uncharted Waters offers a sound framework for informing public policy on both sides of the argument.

Social security --- Retirement income --- Finance.