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Dylan Morgan

English 111.353
Mrs. Brittany Cowan
November 21, 2014
Why Social Security is Hurting America
The Social Security Act of 1935 was passed to help the elderly people of America, who
are unable to work, stay on their feet and provide them with some sort of income to support
themselves as they grow older. Social security was designed to help people, it has done just the
opposite. People do not realize that social security is not helping, but actually making things
worse for not only the American taxpayers, but the United States as a whole. I believe that this so
called beneficial retirement plan is hurting our country, and that people are abusing the right to
have a social security check.
If the government choses to save social security, it will actually increase the 14 trillion
dollar debt that the United States has already dug itself into. An article by Agresti states, Some
politicians are promoting a plan to save Social Security that could add 9 trillion dollars to the
national debt. (Agresti) What this man is saying is that social security is not helping Americans,
but making almost everything worse. The reason he is correct is because to fix social security the
government must put more money back into it-more money that we simply do not have. This is a
very valid point because if the government spends more money and digs us deeper and deeper
into this huge debt crisis, then the country may never be as strong as it once was. Trying to fix
social security is a bad deal for the American government and it is a very risky way to put our
country in turmoil.

Not only is social security bad for the government but for the people too. Some people
will almost never see the money that they spent the majority of their life putting in social
security. In fact, the taxpayer probably has no idea where their money is actually going. Where is
that money going you may ask? Well in his paper Peter Ferarra states, The taxes paid into the
program by todays workers are not saved to pay for their future benefits. Instead they are
immediately paid out to finance the benefits of current retirees. The future retirement benefits of
todays workers will then similarly be paid out of the next generation of workers. Even today,
when social security is running a temporary cash surplus, almost 90 percent of the tax funds paid
into the system are immediately paid out to current beneficiaries. This proves that social
security is a hopeless cause. The taxpayers are just standing back and handing out free money to
the disabled and the elderly. Well, you might be thinking that they need this money to support
themselves. There are many other programs that help these people other than social security.
There are programs like Medicare, Medicaid, and the VA hospital for elderly and disabled
For todays generation we will not get near the amount of money we put in social
security. For an increasing number of new retirees, the amount that Social Security will pay out
in benefits will end up being less than the payroll taxes they paid into the program over the
course of their careers. (Caplinger) This quote is saying that people are not getting back as
much as they put in to social security. This is because the amount of money a person on social
security gets is based on how much the government thinks they need to support themselves.
This is wrong because you spend a huge chunk of your life paying to be able to have money
after you retire or if you become disabled, and then you wont get some of it back. It is a
horrible deal for American taxpayers.

Someone can receive social security for two reasons: if they retire, or if they are disabled
and are unable to work. Unfortunately, there are some people who want to fraud the government,
and pretend or fake being disabled to receive money from the government so that they wont
have to work. This is highly illegal and a person can be sentenced to prison for a long time if
they are caught doing this, but it still happens. In an article, Laura Trueman states, The rise in
SSDI rolls accounts for about a third of the drop in labor force participation between 2007 and
2011; overall, six percent of the countrys adult population say they are not working due to a
disability. It is improbable that the whole six percent of the nation is actually disabled. This
must mean that there are a lot of people fooling the government. People who do this are actually
hurting the nation without even knowing it. In fact, The closer a country gets to a
communist/socialist/Marxist state when it comes to government burdens (taxes, regulation) the
more the "Entitlement" system falls apart... So in essence the closer you get to a "Nanny State"
the more the "Nanny State" entitlements will fail... (Greece as an example).(Trueman). Here she
states her theory on why the country is moving closer to a socialist government, which means
that there are no rich or no poor. If more and more people become disabled then the
government will have to support them, unless there is something done about it. Trueman states
her solution in the article by saying, If the people who depend on government promises fought
as much against the corruption as they do fighting for their benefits there would be more
accountability to insure the abuse stops and the Nanny State would be seen as a threat, and not
a good thing. She says that if people cared as much about their country as they do about their
money then this wouldnt happen as much as it is now.
In conclusion, social security is rising and will raise the national debt more and more.
People will probably never see the same amount of money they put in social security after they

retire, and people who fake being disabled are actually hurting this country they live in without
knowing about it. I believe that social security is a bad deal and will continue to be one as long
as it may go on. If more and more people begin to rely on social security to support their lives
then the next generations will no longer have the privilege of getting social security after they

Works Cited
Agresti, James. "Just -- The Impact of Social Security on the National Debt." Just -- The Impact of Social Security on the National Debt. 1 Sept. 2001. Web. 21
Nov. 2014. <>.
Caplinger, Dan. "Is Social Security Becoming a Bad Deal for American Workers? DailyFinance." Web. 12 Nov. 2014.
Ferrara, Peter. "Social Security Is Still a Hopelessly Bad Deal for Today's Workers." Cato
Institute. 29 Nov. 1999. Web. 12 Nov. 2014.
Hakansson, Nils Hemming. Social Security's Investment Shortfall : 8 Trillion Plus: And The Way
Forward: Plus How The US Government's Financial Deficit Reporting = 64 Madoffs.
Singapore: World Scientific Pub, 2013. eBook Collection (EBSCOhost). Web. 12 Nov.
Trueman, Laura. "Able-Bodied People Defrauding Social Security Disability Program." Daily
Signal. 12 Oct. 2012. Web. 19 Nov. 2014. <>.