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Social Security is on track to become insolvent by 2032, putting benefits at risk of a cut

Social Security is on track to become insolvent by 2032, putting benefits at risk of a cut

Summary

Social Security is expected to run out of enough money by 2032 to pay full benefits. After that, the program may only be able to pay about 78% of promised benefits to more than 62 million Americans.

Key Facts

  • More than 62 million Americans receive Social Security benefits.
  • Social Security benefits come from the Old-Age and Survivors Insurance fund.
  • A federal report says the fund will become insolvent by the end of 2032.
  • Insolvent means the fund will not have enough money to pay full benefits.
  • After 2032, the fund can only pay about 78% of benefits scheduled.
  • This could lead to benefit cuts unless changes are made.
  • Social Security is a key part of retirement and survivor income for many Americans.
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