SOCIAL SECURITY RATE OF RETURN​

 

Do individual recipients receive more or less in Social Security and Medicare benefits than the amount of their contributions? 

 

 

Inasmuch as Social Security and Medicare benefits will have a direct influence on The HAL Project's success in achieving its objectives, these benefits must be addressed. People have absolutely no idea if they receive more or less in Social Security and Medicare benefits than what they contribute.  Information is needed before an intelligent and honest discussion can occur on the rate of future benefit increases. ​

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The website will calculate the amount of Social Security and Medicare taxes an individual and his/her employer(s) have contributed along with a rate of return on these contributions since that person has been working and then extrapolated to the person's actuarial life expectancy.  Once these numbers have been calculated, they will be compared with the amount that individual is scheduled to receive. 

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The website will also calculate the contributions of those individuals who will never receive Social Security and Medicare benefits as well as those who receive disability or survivor benefits.  These calculations will include what they and their employers have contributed along with a rate of return on these contributions. 

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A. Are the Social Security and Medicare contributions an individual makes and benefits received actuarially sound? 

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B. Will an individual receive more or less in Social Security and Medicare benefits than if his/her contributions had been invested in T-Bills and index funds of the DOW, S&P, and NASDAQ?

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C. Compare the ROR of the Social Security and Medicare Trust Funds with the ROR of T-Bills and index funds of the DOW, S&P, and NASDAQ. 

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