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☆ How America's Retirement System Turned Into a Stressful Nightmare
▼ + stars: | 2024-04-09 | by ( Emily Stewart | ) www.businessinsider.com time to read: +9 min

Then you get to collect Social Security, on top of drawing from the nest egg you've built up over your career. The burden of saving for retirement — and the anxiety that comes with it — is a fairly new phenomenon. There's nothing irrational about being nervous that you won't have enough money to live on to last your whole life. The new system also allows people to dip into their retirement piles if need be — which can be both a blessing and a curse. AdvertisementIt's not likely that Social Security will just dry up — Congress could increase the retirement age or up the funding for the program.

Persons: they'll, Teresa Ghilarducci, —, they'd, Larry Fink, there's, Fink, It's, they're, Norman Stein, Drexel University's Thomas R, Chris Woods, They're, Stein, Riley Moynes, it's, Woods, Emily Stewart Organizations: Social, CNBC, The New School, Workers, BlackRock, Drexel, Kline School of Law, Silvis, Social Security, GOP, Security, Business Locations: America, New, Charlotte , North Carolina

☆ Why Retirement Feels so Scary for Millennials and Gen Z
▼ + stars: | 2024-04-09 | by ( Emily Stewart | ) www.businessinsider.com time to read: +9 min

Then you get to collect Social Security, on top of drawing from the nest egg you've built up over your career. In a recent CNBC survey, over half of respondents in the US said they thought they were behind on saving and planning for retirement. The burden of saving for retirement — and the anxiety that comes with it — is a fairly new phenomenon. There's nothing irrational about being nervous that you won't have enough money to live on to last your whole life. AdvertisementIt's not likely that Social Security will just dry up — Congress could increase the retirement age or up the funding for the program.

☆ People are getting taxed for gig work they've never done
▼ + stars: | 2024-04-06 | by ( Alex Bitter | ) www.businessinsider.com time to read: +7 min

It claimed that his wife, Kelly, hadn't paid about $10,000 in taxes on income from her work on DoorDash. None of them referenced Gardner's actual Social Security number, though all included the last four digits of other people's Social Security numbers. The hack gave the attackers access to Social Security numbers and other personal information about the drivers, the retailer said. Gardner, who had previously used DoorDash as a customer, said she ultimately ignored the 1099s she received. Do you work for DoorDash, Instacart, Walmart Spark, or another gig delivery service and have a story idea?

Persons: —, Brandon Emerson, Kelly, hadn't, DoorDash, Brandon, She's, @Uber I've, Michael M Organizations: Service, Business, Social, Uber Locations: Rochester , New York

☆ Retirement crisis looms as Americans struggle to save
▼ + stars: | 2024-04-02 | by ( Nicole Goodkind | ) edition.cnn.com time to read: +7 min

“However, I am fully aware that I’m creating another problem for myself down the road.”For now, his retirement plans sit on the back burner. Retirement savings in the United States were long thought of as a three-legged stool. Americans had pension plans, Social Security benefits, and defined contribution plans like the 401(k). Social Security payments still provide about 90% of income for more than a quarter of older adults, according to Social Security Agency surveys. She’s had to rely on her 401(k) retirement savings to support her and her son more than once.

Persons: Eric Payne, there’s, ”, Payne, I’ve, he’ll, What’s, Larry Fink, “, –, ” Fink, Fink, Jamie, She’s, – Jamie, wasn’t, Donald Trump, ” Trump, Joe Biden, Karoline Leavitt, Trump, Biden, Bernie Sanders, Sanders, BlackRock’s Fink, Beth, ” Beth Organizations: New, New York CNN, CNN, Social Security, Social, Social Security Agency, Security, Lawmakers, BlackRock, CNBC, Vermont Independent, Medicare Locations: New York, Portland , Maine, United States, Central Texas, Pittsburgh

☆ A major AT&T data leak posted to the dark web included passcodes, Social Security numbers
▼ + stars: | 2024-03-30 | by ( Kenneth Niemeyer | ) www.businessinsider.com time to read: +1 min

AT&T reset passcodes after a massive customer data leak surfaced on the dark web. The data included names, email addresses, Social Security numbers, and other personal information. AdvertisementAT&T is reaching out to millions of customers after their personal information — including Social Security numbers — surfaced on the dark web. AT&T reset passwords on millions of customer accounts after Techcrunch notified the company on Monday that a massive customer data leak posted to the dark web included passcodes, the outlet reported. The massive data dump, which surfaced this month, appears to be user information from 2019, the company said in a statement.

Persons: — Organizations: Service, Business

☆ AT&T Resets Millions of Passcodes After Customer Records Are Leaked
▼ + stars: | 2024-03-30 | by ( Aimee Ortiz | More About Aimee Ortiz | ) www.nytimes.com time to read: +1 min

The telecommunications giant AT&T announced on Saturday that it had reset the passcodes of 7.6 million customers after it determined that compromised customer data was “released on the dark web.”“Our internal teams are working with external cybersecurity experts to analyze the situation,” AT&T said. “To the best of our knowledge, the compromised data appears to be from 2019 or earlier and does not contain personal financial information or call history.”The company said that “information varied by customer and account,” but that it may have included a person’s full name, email address, mailing address, phone number, Social Security number, date of birth, AT&T account number and passcode. In addition to those 7.6 million customers, 65.4 million former account holders were also affected. The company said it would be “reaching out to individuals with compromised sensitive personal information separately and offering complimentary identity theft and credit monitoring services.”

Persons: “ Organizations: Social

Congress has until Friday at midnight to pass six major spending bills to avert a partial government shutdown. Six spending bills that cover roughly three-quarters of all federal discretionary spending are at stake:– Defense: Includes funding for nearly all military-related activities. – State, Foreign Operations and Related Programs: Includes funding for U.S. diplomatic activities, cultural exchanges, development and humanitarian assistance. As of Monday morning, appropriators had yet to release any of the six funding bills they’ll need to pass. The stalemate comes in the wake of Republicans killing the bipartisan Senate border deal last month.

Persons: appropriators, they’re Organizations: –, – Financial Services, General Government, Department of, Treasury, of Columbia, – Department of Homeland Security, Federal Emergency Management Agency, Coast Guard, Customs, Immigration Services, Labor, Health, Human Services, Education, Centers for Disease Control, Food and Drug Administration, Social Security, National Labor Relations Board, Senate, U.S . Capitol Police, of Congress, Foreign, House Republican, White House, Department of Homeland Security Locations: U.S, – State

☆ Here's why Social Security cost-of-living adjustments may be smaller in 2025 and beyond
▼ + stars: | 2024-03-15 | by ( Lorie Konish | ) www.cnbc.com time to read: +3 min

Peopleimages | Istock | Getty ImagesEarly estimates for the 2025 Social Security COLANew government data points to a 2.4% Social Security cost-of-living adjustment for 2025, The Senior Citizens League estimates, based on new government inflation data released this week. The Social Security Administration typically announces the cost-of-living adjustment for the following year in October. In the meantime, experts say there are steps retirees can take to help compensate for the prospect of lower benefit increases. Annuities, which provide fixed income in retirement in exchange for a lump-sum investment, can be one way to supplement a retiree's income, LaVigne said. Consult with a financial advisorBefore purchasing an annuity or other retirement income strategy, it helps to consult with a professional.

Persons: " Johnson, Johnson, Lisa Featherngill, Featherngill, Kelly LaVigne, You've, LaVigne Organizations: Istock, Getty, Security COLA, Social Security, Senior Citizens League, Urban, Clerical Workers, CPI, Comerica Wealth Management, Social, Allianz Life Locations: Winston, Salem , North Carolina

☆ Student-loan borrowers could see an easier repayment process through Biden's budget request — along with efforts to make college cheaper
▼ + stars: | 2024-03-11 | by ( Ayelet Sheffey | ) www.businessinsider.com time to read: +4 min

It includes a $3.1 billion funding increase for the Education Department to help student-loan borrowers. AdvertisementPresident Joe Biden's budget wish list is out — and it includes boosted funding to help student-loan borrowers as they continue to navigate the return to repayment. Biden's budget request released on Monday outlines what his administration is seeking to prioritize in the final year of his first term. Additionally, the budget request proposes getting rid of student-loan origination fees, or fees a lender charges for processing a borrower's loan. However, many of the initiatives in Biden's budget request would require congressional approval, and with Republicans holding a majority in the House, it's unlikely it would pass in its current form.

Persons: —, Joe Biden's, Education James Kvaal, Pell Grant, Biden Organizations: Education Department, Service, Child, Social Security, Federal, Aid, Federal Student Aid, Education, College Fund, Republicans, Business, Management

☆ Monetary vs. fiscal policy: How each works and their impact on the stock market
▼ + stars: | 2024-03-10 | by ( Zev Fima | ) www.cnbc.com time to read: +17 min

In contrast, monetary policy refers to actions taken by a country's authority on money — the Federal Reserve in the U.S. — to reach a desired economic outcome. Fiscal policy and monetary policy are implemented independently, even as one impacts the other. Expansionary fiscal policy combined with contractionary monetary policy. Contractionary fiscal policy combined with expansionary monetary policy. Now consider a situation in which the Fed is easing its monetary policy while Washington raises taxes, thus reducing after-tax income.

Persons: it's, we've, Apple, Jim Cramer's, Jim Cramer, Jim Organizations: Federal, White House, nab, Federal Reserve, U.S, CNBC, Treasury, Fed, Companies, Jim Cramer's Charitable Locations: U.S, Washington

☆ Takeaways from Joe Biden’s State of the Union address
▼ + stars: | 2024-03-07 | by ( Kevin Liptak | ) edition.cnn.com time to read: +9 min

Washington CNN —President Joe Biden delivered a raucous third State of the Union address, one that could be among the most important speeches he gives during his presidency as he turns toward reelection. The result was the most raucous State of the Union in years, with the House chamber brimming with election year frission. President Joe Biden holds a "Say her name Laken Riley" button while delivering the State of the Union address in the House Chamber of the US Capitol in Washington, DC, on March 7. So it was unavoidable that Biden would face the issue during his State of the Union, whether he wanted to or not. And Israel’s war against Hamas in Gaza, prompted by the terror attacks of October 7, has generated a humanitarian crisis that is dividing Biden’s political coalition.

Persons: Joe Biden, Donald Trump, Biden, Trump, Chip Somodevilla, –, Marjorie Taylor Greene, Laken Riley, Laken Riley ”, Saul Loeb, David, “, ” Biden, ”, it’s, Joe Biden's, Kent Nishimura, he’s, there’s, That’s Organizations: Washington CNN, Union, Trump Biden, Trump, NATO, Getty, Republicans, Social Security, Rep, Georgia Republican, Chamber, Biden, White, Jewish Voice, Capitol Locations: Thursday’s State, Russia, Washington ,, Ukraine, Gaza, Israel, Washington , DC

☆ Now is the 'perfect time' to check your Social Security benefit, says CFP—even if you're years away from retirement
▼ + stars: | 2024-02-26 | by ( Ryan Ermey | ) www.cnbc.com time to read: +3 min

"Review your 401(k) balance, review your bank balances, review your credit limits, and yes, check on your Social Security Statement." Just create an account on the Social Security Administration's website (you'll have to submit some identifying documents) and download your form. The strategies around timing when to claim Social Security depend on myriad factors. "That way you can look at [your estimated retirement income] in total with your 401(k), Roth IRA and Social Security benefits." Why now's a good time to check your Social Security statement

Persons: Jared Friedman, isn't, aren't, Friedman, you'll, Roth, you've Organizations: Social Security, Redwood Financial, Security, Roth IRA Locations: Scotch Plains , New Jersey

☆ 78% of near-retirees failed or barely passed a basic Social Security quiz. Test your knowledge before you claim
▼ + stars: | 2024-02-21 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

Generally, if I am in a same-sex marriage, there are different eligibility requirements when it comes to Social Security retirement benefits. The money that comes out of my paycheck for Social Security goes into a specific account for me and remains there, earning interest, until I begin to receive Social Security benefits. If I get divorced, I might be able to collect Social Security benefits based on my ex-spouse's Social Security earnings history. If I file for retirement benefits and have dependent children age 18 or younger, they also may qualify for Social Security benefits. Social Security retirement benefits are subject to income tax just like withdrawals from a traditional IRA account.

Persons: Rupp, David Freitag, you've, Freitag, " Freitag, You've, that's Organizations: Social Security, spouse's, Social, Getty, Security Locations: U.S

☆ To shore up Social Security, this controversial proposal calls for limiting retirement plan tax perks
▼ + stars: | 2024-02-09 | by ( Lorie Konish | ) www.cnbc.com time to read: +4 min

But a new research proposal published by the Center for Retirement Research at Boston College by experts at the opposite ends of the political spectrum has sparked considerable opposition. Together, they call for limiting current tax preferences for retirement savings plans, and instead redirecting those funds to help shore up Social Security. How retirement plan tax incentives workIn 2024, the limit for total employee and employer contributions to a defined contribution plans such as 401(k)s is $69,000 in 2024. By rolling back the tax incentives provided through defined contribution retirement plans, the money saved could be used to help fix a portion of Social Security's funding gap, the researchers argue. "We now have an industry and a policy based on 401(k)s and defined contribution plans that has been, relatively speaking, successful," Fichtner said.

Persons: Andrew Biggs, Alicia Munnell, Biggs, Munnell, Michael Wicklein, Jason Fichtner, Fichtner Organizations: Istock, Getty, Center for Retirement Research, Boston College, American Enterprise Institute, Federal Reserve Bank of Boston, Social Security, U.S, Mercatus, George Mason University, Cato Institute, National Association of Plan, Center, Board

☆ Here's how to pick the best free tax filing option this season
▼ + stars: | 2024-02-04 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +4 min

IRS Free FileA public-private partnership between the IRS and Free File Alliance, a nonprofit comprised of tax software companies, IRS Free File offers free guided tax prep software for eligible filers. If you're comfortable with tax software, Free File has eight partners this season, with varying income eligibility — and some offer free linked state filings. Volunteer tax prep from IRS programsIf you're looking for more guidance, you may also qualify for free tax prep from IRS programs with trained volunteers. The Volunteer Income Tax Assistance, or VITA, program offers free tax prep for taxpayers typically making up to $64,000, in addition to filers with disabilities and limited English proficiency. AARP Foundation Tax-Aide also offers free tax prep for low- to moderate-income older adults.

Persons: Tim Hugo, Hugo, Steven Hamilton Organizations: U.S . Bureau of Labor Statistics, Taxpayers, IRS, Alliance, National Taxpayer, Volunteer, Internal Revenue, The George Washington University, Social Locations: Arizona , California, Florida , Massachusetts, Nevada , New Hampshire , New York, South Dakota , Tennessee , Texas, Washington and Wyoming

☆ 2023 income tax return: Here’s what you need to know before you file
▼ + stars: | 2024-01-28 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +8 min

New York CNN —Come Monday, the IRS will start accepting and processing 2023 federal income tax returns. Pull out your return from last year: Your 2022 tax return will give you a good starting point for figuring out what documents you need to have handy to fill out this year’s return, said Tom O’Saben, director of tax content and government relations at the National Association of Tax Professionals. Here is a list of the most common and costly tax return mistakes the IRS has seen over the years. Lastly, the program cannot be used to file your state returns, so you’ll have to do that separately but your state may have its own free file program. (More details on the federal Direct File program are here.)

Persons: Tom O’Saben, you’ve, ” O’Saben, O’Saben, didn’t, you’re, filers, Katie Lobosco, Tami Luhby Organizations: New, New York CNN, IRS, Patriots, National Association of Tax, Social Security, Child, filers, Social Locations: New York, Maine and Massachusetts, brokerages, Arizona , California, Florida , Massachusetts, Nevada , New Hampshire , New York, South Dakota , Tennessee , Texas, Washington and Wyoming

☆ IRS set to launch its free tax-filing pilot program for some taxpayers. Here's what to expect
▼ + stars: | 2024-01-26 | by ( Kate Dore | Cfp | ) www.cnbc.com time to read: +3 min

Known as Direct File, the agency's free filing software pilot will begin as an invitation-only service for a group of government workers before rolling out to certain taxpayers in 12 states by mid-March. Direct File comes after a feasibility report authorized by the Inflation Reduction Act. Internal Revenue ServiceDirect File is 'starting small' with 12 statesThe IRS Direct File pilot intentionally starts with a limited group of taxpayers with relatively simple filings, according to IRS officials. While Direct File won't cover state returns, Arizona, Massachusetts and New York residents can immediately continue to state filing by importing Direct File data. While only certain taxpayers can use Direct File, the bilingual software includes built-in live chat support with IRS assistors.

Persons: Daniel Werfel, Kevin Lamarque, Laurel Blatchford, Danny Werfel, Werfel Organizations: Reuters, U.S . Department, Treasury Department, IRS, CNBC, Internal Revenue, Social Locations: Arizona , California, Florida , Massachusetts, Nevada , New Hampshire , New York, South Dakota , Tennessee , Texas, Washington and Wyoming, Arizona , Massachusetts, New York, California

☆ IRS set to launch its free tax filing pilot program
▼ + stars: | 2024-01-25 | by ( Katie Lobosco | ) edition.cnn.com time to read: +6 min

Washington CNN —When tax filing season opens on January 29, some taxpayers will have the option of filing their 2023 federal tax returns with a brand new, government-run system. The law required the IRS to complete a cost and feasibility study about developing a free, electronic tax filing system, which it released in May. If the pilot program is successful, Direct File could eventually rival competing services in the private market. This screenshot shows the Internal Revenue Service's free tax filing pilot. It offers step-by-step guidance, in both English and Spanish, to taxpayers filing their federal tax returns by posing questions about their income and tax situations.

Persons: Danny Werfel, haven’t, Biden Organizations: Washington CNN, IRS, Democrat, Congress, Internal Revenue, Social Security, Taxpayers, Republicans Locations: Arizona , California, Florida , Massachusetts, Nevada , New Hampshire , New York, South Dakota , Tennessee , Texas, Washington and Wyoming

☆ Despite high older voter turnout in Iowa caucus, Social Security topic still remains on back burner
▼ + stars: | 2024-01-22 | by ( Lorie Konish | ) www.cnbc.com time to read: +1 min

A caucus worker checks in voters at a caucus site at the Horizon Events Center in Clive, Iowa, on Jan. 15, 2024. Former President Donald Trump won the Iowa caucus by a landslide, due in part to strong turnout by older voters. "While the turnout overall was low, 70% of caucusgoers who turned out were over the age of 50, which is unprecedented," said Brad Anderson, Iowa state director at the AARP. Historically, the turnout at Iowa caucuses tends to hover around 60% and traditionally skews older, he said. "Given the weather, I think people are genuinely surprised at how robust the older caucusgoer turnout was," Anderson said.

Persons: Donald Trump, caucusgoers, Brad Anderson, Anderson, Ron DeSantis, Nikki Haley, DeSantis, Trump Organizations: Horizon, AARP, Finance, Trump, Florida Gov, United, Security, New Locations: Clive , Iowa, Brad Anderson , Iowa, Iowa, United Nations, New Hampshire

WASHINGTON (AP) — A bill to create a bipartisan commission that would tackle the nation’s soaring debt and make policy recommendations to Congress won approval Thursday from a House committee. Many Democrats see the commission as an attempt to force cuts to Social Security and Medicare. The commission would have 16 members: 12 from Congress, evenly divided by party, and four outside experts who would not have voting power. Republicans blame federal spending for the annual deficits while many Democrats cite tax cuts enacted under Republican administrations. Three committee Democrats voted for it, including Rep. Scott Peters, D-Calif., who worked with Rep. Bill Huizenga, R-Mich. in sponsoring the bill.

Persons: “ everything's, Joe Manchin, Mitt Romney, Jodey Arrington, ”, Arrington, “, Brendan Boyle, Mike Johnson, Hakeem Jeffries, ” Johnson, ” Jeffries, Scott Peters, Bill Huizenga, Peters, ” Peters, Becca Balint Organizations: WASHINGTON, Republicans, Social Security, GOP, Republican, Pennsylvania, U.S . Capitol Police, Democrats, Democratic, ” Locations: R, Utah, Texas, New York

Updating your name with the credit bureaus can prevent delays in credit applications and other credit reporting errors. Hinterhaus Productions/Getty ImagesTransgender and nonbinary people can report their legal name change to credit bureaus. One of the many steps in your legal transition is to report your legal name change to all three credit bureaus — Experian, Equifax, and TransUnion — so it'll appear on your credit report. Its also recommended that you change your name with each of your lenders before updating your name with the credit bureaus. Box 4500Allen, TX 75013TransUnionUnlike the other two credit reporting bureaus, TransUnion requires you to change your legal name with every individual financial institution listed on their credit report first.

Persons: Hinterhaus, —, there's, TransUnion, Ryan Klippel, Klippel, folx, you'll, Experian Experian, Allen, it's Organizations: Social Security, Service, Optas, Social, TransUnion, National Center for Transgender Equality, UC Berkeley, Google, Security Locations: myEquifax, Allen , TX, Chester , PA, California

I will stop the invasion on our southern border and begin largest domestic deportation operation in American history,” he said in Iowa Saturday. “If you empathize with radical Islamic terrorists and extremists, you’re disqualified," Trump says. “Before we defend the borders of foreign countries we must secure the border of our country," he said said. The border has also become a centerpiece of Abbott's agenda and the subject of an escalating fight with the Biden administration over immigration. A Marquette Law School poll of registered voters conducted in late September gave Trump a 24-point advantage over Biden on handling immigration and border security issues — 52% to 28%.

Persons: — Donald Trump, Trump, Greg Abbott, “, Biden, ”, —, you’re, — you’re, Abbott, Ken Paxton, Trump's, “ Donald Trump, ” Biden, Julie Chavez Rodriguez, ___ Colvin, Will Weissert Organizations: National Guard, Republican Gov, Trump, U.S, Supreme, Social, FBI, Drug, Administration, GOP, Democrat, Texas, Biden, Marquette Law School, Associated Press Locations: EDINBURG , Texas, U.S, Mexico, Edinburg , Texas, Iowa, North Korea, United States, Israel, COVID, Laredo , Texas, Rio Grande, bused, Texas, New York, Wilmington , Delaware

☆ Public workers may receive reduced Social Security benefits. There’s growing support in Congress to change that
▼ + stars: | 2023-11-12 | by ( Lorie Konish | ) www.cnbc.com time to read: +7 min

The benefits were adjusted based on rules for workers who earn both pension and Social Security benefits. Today, Dave is pushing for the Social Security rules that reduced his benefits to be changed. Social Security benefits are calculated using a worker's average indexed monthly earnings, and then using a formula to calculate a worker's basic benefit amount. If two-thirds of the government pension is more than the Social Security benefit, the Social Security benefit may be zero. Part of what may create that advantage is that Social Security benefits are progressive, and therefore replace a larger share of income for lower earners.

Persons: Araya Doheny, Dave Bernstein, Bernstein, Phyllis Bernstein, Dave's, Dave, Phyllis, –, Edward Kelly, they're, Kelly, Emerson Sprick, Sprick Organizations: Getty, U.S . Postal Service, Social, Social Security, Finance, Will, New Zealand, American Postal Workers Union, GPO, International Association of Fire Fighters, Center, Budget Locations: Tampa , Florida, Australia, New, Congress

It was the undercard that underwhelmed. The third straight Republican presidential debate that former President Donald J. Trump has skipped — choosing instead to rally with supporters a few miles away — represented a critical and shrinking chance for his rivals to close his chasm of a polling advantage. And with only five candidates on the stage for the first time — Chris Christie, Ron DeSantis, Nikki Haley, Vivek Ramaswamy and Tim Scott — they all had far more time to speak. Yet they had precious little to say about Mr. Trump, even when given the chance just over two months before the Iowa caucuses. They sparred in a substantive debate that dissected disagreements over aid to Ukraine, Social Security, confronting China, banning TikTok and how to approach abortion less than 24 hours after Republicans suffered their latest electoral setbacks driven by the fall of Roe v. Wade.

Persons: Donald J, Trump, —, Chris Christie, Ron DeSantis, Nikki Haley, Vivek Ramaswamy, Tim Scott —, Roe, Wade Organizations: Social Security, Republicans Locations: Iowa, Ukraine, China

☆ Social Security's trust funds may run out in 2034. These changes may help
▼ + stars: | 2023-11-08 | by ( Lorie Konish | ) www.cnbc.com time to read: +2 min

The clock is ticking for Congress to shore up Social Security benefits. The latest projections from Social Security's actuaries show the program's trust funds are due to run out in 2034, at which point 80% of benefits will be payable. In 1983, Social Security's trust funds were also close to depletion when a host of changes were passed by Congress. More from Personal Finance:Will Social Security be there for me when I retire? Today, it is three times as large, or 3.12% of taxable earnings, according to the American Academy of Actuaries.

Persons: Linda K, Stone Organizations: Security, Security's actuaries, American Academy of Actuaries, Congress, Finance, Will

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