Ending Social Security as we know it

deliverance_banjo

It could be that the Government Health Care plan is partially dead. The so-called “Public Option” may be off the table. That doesn’t mean we don’t have to be ever vigilant that they won’t look to “regulate” your private health insurance right out of business anyway. But its a step in the right direction. So, what’s next?

Social Security. That’s right. The Holy Third Rail of politics. President Obama outlined his ideas of reforming Social Security during his coronation and expanded on his plan this summer. It’s a “more taxes now”, “more taxes later”, “problem gets worse” formula. Liberals squeal like piggie in Deliverance when Social Security insolvency is discussed, but a “soak the rich” feature certainly should help mollify. And they will never admit it, but the way the Obama Administration is going about it, they are going to “end Social Security as we know it.” Isn’t that cute? I will explain.

“People who think that they are getting something for nothing, by having government provide what they would otherwise have to buy in the private market, are not only kidding themselves by ignoring the taxes that government has to take from them in order to give them the appearance of something for nothing. They are also ignoring the strings that are going to be attached to their own money when it comes back to them in government benefits.” http://www.capmag.com/article.asp?ID=4589

The mushrooming payments coming due as millions of babyboomers prepare to retire are going to REALLY push the limits of what National Debt the country can carry now that the giant Obama giveaway is fully understood. We simply CANNOT afford to go any deeper into debt. The illusion that Social Security can provide pensions more cheaply than a private retirement plan is the political triumph of leftist illusions and baby boomers are going to pay the price big time.

So what are the choices?

Well, first let’s examine President Obama’s plans. First, he will assess social security taxes on incomes above $250,000. One liberal columnist noted with satisfaction that this will bring the top rates back to where they were in the 70’s, before our economic boom of the last quarter century. Smart, right? According to the Tax Policy Center, Obamas tax policies already are pushing the total tax on labor in those brackets to close to 60%, and in states like California and New York, they will be even higher.

“Suppose your household consists of you and your spouse, each earning wages of $150,000 per year. Currently, you are each subject to the payroll tax up to $102,000 of wages, so together you are taxed on $204,000. Under the Obama plan, you’d be taxed again on another $50,000 of wages.” http://online.wsj.com/article/SB121435112024101581.html

At the current payroll tax rate of 12.4% – 6.2% from wage-earners and 6.2% from their employers – your household would be looking at a tax hike of $6,200 per year. Those of you who consider yourself middle class and paying taxes on $204,000 a year are going to notice that tax hike, aren’t you? And just wait til Obama starts including capital gains and interest on savings. Then the fun will REALLY begin.

President Obama and the Democrats have yet to figure out one significant detail. Are those “rich” paying significantly higher taxes going to get correspondingly higher benefits when they retire? Isn’t that “FAIR”? One of the unassailable features of the Social Security program has always been, the more you pay in, the more you get back. I know I like it when I get my statement. To “unhook” that feature from Social Security in order to maintain its short term viability “Social Security would stand revealed not as a work-related contributory retirement system, but simply as a tax-funded welfare and income-redistribution program.” This would end “Social Security as we know it.” I mean, in a welfare program we can decide to cut benefits at any time. As well, according to the Social Security Administration, this only makes up about a third of the expected shortfall Social Security is going to see in the coming baby boom retirement. Now, here’s where it gets worse.

The more taxes the Obama plan collects, the worse shape Social Security is in. Collecting taxes and saving them in the Social Security Trust Fund relies on the U.S. redeeming the Treasury bonds the “lockbox” holds. Understand? And there’s only one place the money to redeem those bonds comes from – more taxes plus interest. Pay for President Obamas Social Security plan today, pay for it again in 20 years. Sweet!


About Terry Crowley