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Partial lump sum Social Security bill not a good proposal

House Bill H.R. 3112, the Providing Choice for Social Security Retirees Act introduced in June 2017, wouldn’t materially affect Social Security’s solvency issues and would, in fact, have a negative effect on the program in the earlier years.  This is according to Social Security’s Chief Actuary after analyzing the proposed bill on behalf of Congress.  The bill would allow workers who have earned Social Security Delayed Retirement Credits (DRC’s) to take a 2% lump sum of any DRC’s already earned for future benefits, thus reducing their eventual DRC’s by that same 2%.  As this ASPPA.net article by John Iekel explains, the bill would have a negligible effect on the eventual depletion of the Trust Fund.  Click here to read more.

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