Social Security is back in the spotlight, with growing concerns about possible changes. A recent study funded by AARP and conducted by the National Academy of Social Insurance (NASI) found that many Americans—across political lines—support increasing Social Security benefits for two specific groups: caregivers and older workers in physically demanding jobs.
It’s not often that you see bipartisan agreement on a major issue, but both Republicans and Democrats are backing these proposed changes. Let’s break down the two potential improvements and why they matter so much.
Table of Contents
Caregiving Credit
The first proposed change is a caregiving credit aimed at helping people—often parents—who’ve taken time off work to care for family members. Since Social Security benefits are based on your lifetime earnings, those who step away from the workforce for caregiving responsibilities end up with lower benefits in retirement.
The caregiving credit would help close this gap by providing additional credit toward their benefits. This change would offer much-needed financial relief to people who sacrificed their own careers to support their families.
Change
Caregiving is one of the hardest jobs out there, and it’s often unpaid. Parents and family caregivers who put their loved ones first shouldn’t have to face financial struggles in retirement. According to the NASI study, nearly 60% of Americans support this change, showing a broad consensus that caregivers deserve a fairer deal.
Bridge Benefit
The second proposed change involves creating a “bridge benefit” for older workers in physically demanding jobs. Imagine working decades in construction, manufacturing, or farming—jobs that take a serious toll on the body. Many people in these careers retire early due to health issues, but doing so often reduces their Social Security benefits.
The bridge benefit would give temporary financial assistance to workers who retire early due to physical demands until they reach full retirement age. This support could make a huge difference for people who’ve endured years of grueling work.
Public Support
The NASI survey found that more than 60% of respondents favor the bridge benefit. This widespread support highlights the recognition that some jobs wear you down faster than others, and the current system doesn’t always reflect that reality.
Bipartisan Support
In a time when political divisions seem stronger than ever, it’s refreshing to see people from both sides of the aisle agree on something. Debra Whitman, AARP’s chief public policy officer, explained that most Americans want Social Security to remain strong and are open to changes that ensure the system stays fair and sustainable.
Ultimately, this push for fairness is about recognizing that not all work experiences are equal. Caregivers and manual laborers provide critical contributions to society, yet the current system often leaves them at a disadvantage. With growing public support, these changes could bring meaningful improvements to the lives of millions.
The future of Social Security will depend on how well policymakers listen to the public’s call for fairness and equity. Given the level of agreement across party lines, there’s reason to be optimistic that positive changes may be on the horizon.
FAQs
What is the caregiving credit?
It’s a proposed credit for caregivers to improve their Social Security benefits.
Who would qualify for the bridge benefit?
Workers with physically demanding jobs who retire early due to health issues.
How are Social Security benefits calculated?
They’re based on your earnings over your working life.
Why do caregivers receive lower Social Security benefits?
They often take unpaid time off work, reducing their contributions.
Is there bipartisan support for these changes?
Yes, both Democrats and Republicans support these proposals.
