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From the monthly archives: August 2012

We are pleased to present below all posts archived in 'August 2012'. If you still can't find what you are looking for, try using the search box.

Social Security: Not Just My Grandparents' Program

I’m a 2009 college graduate who recently started working at the National Committee. I may be new to the organization but Social Security and Medicare have always been interests of mine. And, the older I get, the more I realize how important these programs are to the American people. Additionally, I have a personal connection due to my own family members receiving benefits from one or more of these programs.

For most young people, odds are, at least one person they know is relying upon Social Security or Medicare. But, do these same young people know that these are two of the most successful government programs ever created? Social Security is the most effective anti-poverty system in the United States. Medicare provides coverage to older Americans who previously were not able to find or afford healthcare from private insurance companies. This is very important to remember. Why? Because the upcoming elections have put the nation’s debt and deficit under the microscope and Social Security and Medicare have become convenient targets for a debt, deficit they didn’t create.

I believe it is our responsibility to make sure the correct facts about Social Security are told. I had the privilege of attending a National Academy of Social Insurance (NASI) conference on Social Security for young people. There was a great report being passed around: A Young Person’s Guide to Social Security. I highly recommend reading this awesome piece of information.

As the Social Media Coordinator for the National Committee, I constantly see comments posted such as, “It’s not like Social Security will be there for me” or “Social Security? That’s just for old people.” If I had a dime for every time I read or heard that, I think I could extend the solvency of the program by another decade.  Social Security is not just for seniors. The program, “Pays monthly survivors’ benefits to seven million Americans, including almost two million children”.

“CHILDREN?! Did you say children receive Social Security?” Yes!

“It does this by protecting our most vulnerable citizens from falling into poverty, raising the standard of living for lower-income workers, and providing financial security to the spouses and dependent children in the event of a worker's disability or death.”

“So, it’s a pretty good deal, but, what about the program’s financing?”

Social Security has enough income and assets to pay full benefits through 2033. It’s on solid financial ground. With just a few modest changes Social Security’s solvency can be extended beyond 2033 without cutting benefits. For instance, workers pay FICA, or the payroll tax, on income up to $110,000. That’s the cap, meaning that any income over $110,000 is not subject to the tax.  Lifting that cap would extend the solvency of Social Security by decades.

“We should privatize it, that’ll fix it!”

Not exactly. Putting that money in personal accounts for Wall Street to manage isn’t really the ideal plan. We’ve seen Wall Street manage funds before. Sorry, I mean, “mis-manage”.  It’s a good idea to have individual savings through a 401k or savings account but it should be in addition to Social Security. Depending on how Wall Street is doing, a 401(k) plan could hit a slump which means you get less money. But Social Security doesn’t hit slumps. Once you start collecting, your monthly benefit amount is guaranteed. And since young people aren’t able to save much these days due to unemployment, student loans, and the high cost of living, it is even more important for a program like Social Security to be there for us.

And, let’s get something else cleared up. People are not getting rich off Social Security. Seniors are not living lavish lifestyles because of their monthly checks. The average annual income is only $14,000. That’s why our grandparents and parents can’t afford cuts to their Social Security benefits.  Do these leaders in Washington who want to cut Social Security not have elderly relatives or are they all so wealthy they’ve lost touch with middle class Americans? Politicians use this idea of seniors living lavish life styles to do one thing, pit the young vs. the old. They try to make it seem like it’s good policy to cut benefits because the elderly can afford it.

As young people, Social Security is a program we have a vested interest in protecting.  When we’re working, we’re paying into Social Security. That’s our money and why wouldn’t we want it there to protect us too? We need to stay informed by connecting with organizations like the National Committee to Preserve Social Security and Medicare, the Roosevelt Institute, Young Invincibles or National Academy of Social Insurance.  Learning the facts, exchanging ideas or taking action against proposals to cut future benefits, this is how we can help protect our future because counting on the next person to do something just won’t get it done.

Breaking Down the GOP Mediscare Myth

We’ve gotten a glimpse into the Romney/Ryan political strategy on how they’ll sell their highly unpopular plan to end Medicare, privatizing it so that seniors end up paying private insurance companies more for less coverage.   Basically, they won’t even try to sell their plan.  As Max Richtman, NCPSSM’s President/CEO, detailed in Huffington Post  this week, the heart of the GOP strategy is to dodge, deflect and then wrap their privatization plans in a cloak of “preservation”. 

This latest strategy is really not all that different than in the last election cycle when the GOP promised “death panels” were coming after grandma, regardless of the abundance of hard factual evidence to the contrary.  Just as there were no death panels – then or now—the “Obamacare robs Medicare” myth is yet another political Mediscare tactic designed to deflect attention away from the real damage not-so- hidden in the Romney/Ryan plan for Medicare.  

The problem for the GOP is that Americans don’t want to privatize Medicare.  They simply don’t believe that giving seniors a coupon of diminishing value to go shopping for private insurance is a good plan for millions of middle-class Americans who depend on Medicare’s guaranteed benefits to keep them healthy.   It’s an especially hard sell, once seniors find out these coupons are designed NOT to cover their full health care costs:  

Under Chairman Paul Ryan's budget resolution, the annual growth in Medicare spending is limited to the gross domestic product (GDP) + 0.5 percent, a rate likely to be lower than the growth in health costs. If spending exceeds this amount, beneficiaries would be subject to additional out-of-pocket costs since their voucher likely would not cover the cost of traditional Medicare or the private plan that includes their doctors.  The Congressional Budget Office projects that government spending per beneficiary would be $2200 less under the Ryan Medicare plan in 2030 than under current law.  (The Long-Term Budgetary Impact of Paths for Federal Revenues and Spending Specified by Chairman Ryan,, pg 8).

The National Committee has prepared an analysis of the “Obamacare Robs Medicare” myth.  The $716 Billion Question - Strengthen Medicare, or Tax Breaks for the Wealthy?  

Since passage of the Affordable Care Act (ACA), Republicans have accused Democrats who voted for health care reform of "cutting" Medicare.  At the same time, Republicans in the House of Representatives have supported two Republican budget resolutions, introduced by House Budget Committee Chairman Paul Ryan (R-WI), that retain the same savings in Medicare spending while repealing the Affordable Care Act's Medicare improvements.

The analysis breaks down both the Affordable Care Act and the Ryan Budget plan’s impact on Medicare.  It’s important information for middle-class seniors in Medicare who are clearly the primary targets of the ongoing  campaign to confuse and deflect attention away from GOP  plans to end traditional Medicare, repeal new benefits saving seniors billions of dollars in health care costs while cutting taxes for the wealthy and increasing the debt at the same time.

That will be a truly tough sell…especially once Americans get beyond the political spin and ask the tough questions about the GOP plan for Medicare.


Why the Medicare Dodge and Deflect Won't Be Enough

Max Richtman, NCPSSM President/CEO

Originally posted on Huffington Post.

There’s a simple question American seniors should ask candidates who claim to want to protect Medicare:  “Did you oppose Obamacare because it ‘cuts’ Medicare while also voting for those same Medicare spending cuts in the GOP/Ryan Budget plan?  For 277 members of the House, that answer was yes.

Paul Ryan’s selection as Governor Romney’s Vice-Presidential running mate has Republican Party leaders understandably worried that voters will now get a good look at the radical plans for Medicare in the GOP budget and a tally of those candidates who supported it.  A memo and campaign how-to video from the National Republican Congressional Committee provides an incredibly clear and cynical look behind their political curtain, as the NRCC gives Republican candidates tips on how to dodge the discussion they really don’t want to have about the votes they’ve already cast on Medicare:

“Do not say: ‘entitlement reform,’ ‘privatization,’ ‘every option is on the table,’ … Do say: ‘strengthen,’ ‘secure,’ ‘save,’ ‘preserve, ‘protect.’”  NRCC Medicare Memo

These GOP operatives say they want this Medicare fight.  Truth is, they really hope to refight health care reform so they can avoid talking about Paul Ryan’s plan for Medicare.  The proof is in the memo.  In ten minutes of YouTube tutoring on how GOP candidates should talk about Medicare, there is not one reference on how candidates can effectively persuade voters that the GOP/Ryan plan is the right policy for Americans.  Not one word on how candidates should campaign to convince voters that privatizing Medicare and making it harder for seniors to choose their own doctor is the right thing. Not one word on why seniors’ should pay much more for less coverage, why the retirement age should be raised, why the prescription drug donut hole should be reinstated or, why Medicare and Medicaid should be cut to pay for more tax cuts for the wealthy. 

The GOP strategy for their candidates is clear -- simply don’t talk about the GOP plans for seniors in Medicare. Talk about the Affordable Care Act, instead.  If you get a question about the Ryan budget? “Obamacare robs Medicare”.  Get a question about the GOP plan to end Medicare?  “Obamacare robs Medicare”.  What about raising seniors’ preventative care and prescription costs?  “Obamacare robs Medicare”.  You get the idea. The strategy is to continue to tell seniors their benefits were cut, even though they weren’t.  Ignore the fact that health care reform preserves every dime of Medicare benefits while the GOP/Ryan plan uses that money to pay for millionaire tax breaks.  Disregard the 32 million seniors who have already received new preventive benefits through ACA. Don’t talk about the closing of the Part D donut hole or the $3.1 billion dollars in real savings seniors have already seen in their prescription drug coverage.  And whatever you do, absolutely never, ever, let on that the same GOP candidates -- decrying Medicare reforms falsely labeled as benefit cuts in the Affordable Care Act -- voted for those same provisions  when they passed the GOP/Ryan budget.  At the same time by the way, Republicans also voted to end Medicare leaving seniors at the mercy of private insurers to face higher costs for less coverage. 

However, what this divert and deflect strategy ignores is how much easier it was to fool voters before the ACA was implemented. I predict this year will be different. It’s simply a lot harder now to believe a political candidate who’s telling you your Medicare benefits were slashed when you remember taking your $250 drug rebate check to the bank, you paid $600 less in drug costs this year, didn’t fall into the donut hole, and received your first free mammogram in Medicare.  Now that seniors are seeing first hand their benefits were not cut, and were in fact improved, this Medicare myth can finally be laid to rest next to the infamous (and also false) “death panels” claim made by Republicans.

The GOP “Obamacare Robs Medicare” myth will finally be exposed and with the selection of Paul Ryan it should get the national attention needed to put a stop to it once and for all. Just as with President Bush’s campaign to privatize Social Security, the more the American people find out what the Ryan/GOP plan for Medicare contains the less they’ll like it. That process has just begun and it will be a real eye-opener for the millions of American retirees who continue to be the targets of one of most cynical Mediscare campaigns in political history.

Stop the War on Medicare

There’s a simple question American seniors should ask candidates who hate health care reform and want your vote: 

“Did you oppose the Medicare cuts in Obamacare but vote for those same cuts in the GOP/Ryan Budget plan?  If your candidate is a Republican member of the House, that answer is likely yes.


Happy Birthday Social Security - Cut the Cake not the Program

Social Security is 77 years old and going strong.   Some may be surprised by that simple statement --given all of the political propaganda, lies and spin which pass for discourse these days—but it’s simply and demonstrably true. 

Happy Birthday Social Security – the American people thank you!

Max Richtman, NCPSSM President/CEO

“As we mark this 77th anniversary, Social Security’s promise of economic security for average Americans is facing the biggest threat of its long and successful service to our nation.  For too many political candidates, including the GOP Romney/Ryan Presidential ticket, Social Security is seen as little more than a budget target. They intend to use it to fund tax cuts for the wealthiest Americans and allow Wall Street to access American workers’ Social Security funds. 

While politicians use Social Security as a political bargaining chip, millions of Americans depend on it as their lifeline. Through times of war, economic crises, natural disasters and even terrorist attacks, Social Security has proven time and again to be the model of what an effective, efficient and compassionate government can do for its citizens. 

It represents America’s core values of hard work, contribution and intergenerational equity. On this anniversary, it’s vital for the American people to understand the potential economic and political forces that could radically alter the core values that have defined America’s economic security priorities for almost eighty years.  Social Security is a program we should be emulating…not threatening to tear down. ” Max Richtman, NCPSSM President/CEO

Richard Eskow, Huffington Post

Today, August 14, is Social Security's 77th birthday. That presents us with a difficult challenge: What do you give a government program that has everything... except a secure future of its own? Let's take a look at the options for this year's celebration.

The Gift Pile

Talk about an embarrassment of riches! Look what Social Security can already list among its gifts. It's got:

Hundreds of millions of people who love it. Polls consistently show that Social Security, along with Medicare, is one of our most popular government programs.

The best balance sheet in the entire government. Despite all the scare talk (which we'll get to shortly), no program in U.S. history is on a firmer financial footing than Social Security. It's a stand-alone program which isn't allowed to contribute to the overall government deficit, and is absolutely solvent until the early 2030s. No other program can say that.

A great profile. There's no way to say this delicately, so we'll come right out with it: Social Security has the slimmest, sleekest look in Washington. We don't like to encourage our society's fixation on thinness as the ideal of beauty, but let's face it -- Social Security is so cost-effective in delivering its benefits that it's got the most streamlined chassis around. The Social Security Administration beats every private benefits program in the country when it comes to low overhead and efficient administrative design. One of the main reasons for that is the fact that everybody who pays into the system receives its benefits at qualification time. There's no "means testing," no gamesmanship, no trick, just trim, no-overhead service delivery.

Great polls. Time and time again, overwhelming majorities of Americans have made it clear that they don't want this program to be cut. That means a lot: Of all the gifts in the world, the best any of us can hope for is friends who will defend you to the end.

Michael Hiltzik, Los Angeles Times

For a 77-year-old, Social Security is looking pretty spry today, the anniversary of Franklin Roosevelt's signing of the Social Security Act in 1935. The program covers more than 54 million Americans, providing a dignified retirement and keeping the families of premature deceased workers out of poverty.

Among those who should be celebrating: Rep. Paul D. Ryan, R-Wisc., the newly-anointed GOP candidate for vice-president. As has been widely reported, Ryan's father died in 1986, when the future congressman was 16. The younger Ryan collected Social Security survivor benefits, which he put away for college, until the age of 18. Yet he returned the favor by proposing one of the most draconian plans to privatize Social Security in 2005. When his proposal was rejected, he signed on as so-sponsor of the Bush Administration plan, which ultimately failed.

From the National Academy of Social Insurance – Just the Facts


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