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Dear US retiree,
While everyone was arguing about what the Big Beautiful Bill did to Social Security a completely different piece of legislation quietly landed in Congress this week.
And nobody is talking about it.
The Social Security 2100 Act.
House Resolution 9519.
Reintroduced by Representative John Larson of Connecticut.
This is not a press release. This is not a political talking point. This is the most comprehensive Social Security reform bill written in a generation.
And if it passes it does something no other piece of legislation on the table right now does.
It actually fixes the problem.
And it boosts your check while doing it.
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Here is exactly what it does. In plain English. No spin.
Problem One. The Trust Fund Is Running Out.
You already know this.
The Social Security trust fund is projected to be depleted in the fourth quarter of 2032. When that happens incoming revenue would cover only about 78% of scheduled benefits unless Congress acts.
A 22% automatic cut. To every check. For every beneficiary. Starting in 2032.
The Social Security 2100 Act addresses this directly.
How does it pay for everything.
The legislation would impose a 12.4% tax on some net investment income for high-income taxpayers. Applying to the lesser of investment income or the amount by which modified adjusted gross income exceeds $400,000.
People earning over $400,000 per year pay more into the system.
You do not.
The bill extends program solvency without cutting your benefit by a single dollar. Without raising your taxes by a single cent.
What It Does to Your Check.
Five specific improvements. Each one meaningful.
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One. Your benefit goes up.
The bill would increase the basic benefit formula by raising the first percentage used in benefit calculations from 90% to 93%. Providing a modest across-the-board boost for beneficiaries from 2027 through 2036.
Not a massive increase. An honest modest one. But it goes up. Not down.
Two. Your COLA finally reflects what you actually spend.
This is the change that has infuriated retirees for decades.
Right now Social Security calculates your annual cost of living adjustment using the CPI-W. The Consumer Price Index for Urban Wage Earners and Clerical Workers.
Urban wage earners and clerical workers.
Not retirees.
The spending patterns of people still working bear almost no resemblance to the spending patterns of people in their 70s. You spend more on healthcare. More on prescription drugs. More on services. Less on commuting. Less on work clothes.
The CPI-W systematically underestimates inflation as experienced by older Americans. Which means your COLA systematically fails to keep up with your actual rising costs.
H.R. 9519 would instead use whichever index produces a higher increase. CPI-W or the Consumer Price Index for Elderly Consumers. Known as CPI-E. Which is based on the spending patterns of Americans 62 and older.
You get the higher of the two numbers. Every year.
For years when healthcare costs spike faster than general inflation you get a bigger COLA.
You never get less than you get today.
You frequently get more.
Three. The minimum benefit goes up dramatically.
A new minimum benefit for long-term low earners would be established at 125% of the Federal poverty guideline for workers with at least 30 qualifying years.
For a single individual that is approximately $1,663 per month minimum. Using the 2026 poverty guideline.
If you worked 30 years your check cannot fall below that floor.
Four. Surviving spouses get a better deal.
Surviving spouses in two-income households would see improved benefits under a new formula that could provide 75% of the couple's combined benefits in some cases.
The current system punishes widows and widowers. Their income drops dramatically when a spouse dies. This provision softens that cliff.
Five. Caregivers stop getting penalized.
The bill would allow unpaid caregivers who provide at least 960 hours of care annually. Approximately 18.5 hours per week. To receive deemed earnings for up to five qualifying years. Helping fill gaps in their work records that reduce future benefits.
If you spent years caring for a parent or a child with a disability those years currently count as zeros in your Social Security calculation. Zeros that reduce your benefit permanently.
This bill gives you credit for that work.
Will It Pass?
Honestly. Not in its current form. Not in this Congress.
Shannon Benton, executive director of The Senior Citizens League, said the bill is unlikely to pass in the current Congress. But called it the gold standard for Social Security reform and said it accomplishes the majority of changes older Americans want to see for the program.
The investment income tax on high earners will face significant opposition from Republicans.
But here is what matters.
Congress will almost certainly have to pass a bill to address the program's finances in the next few years. That provides a perfect chance to simultaneously shore up benefits for the next 100 years and continue the program's legacy.
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The Social Security 2100 Act is the blueprint.
It tells you exactly what a real fix looks like.
When Congress is eventually forced to act because the 2032 deadline is staring them in the face the provisions in this bill are what the negotiators will be working from.
The CPI-E switch. The minimum benefit floor. The caregiver credits. These are the ideas that survive into whatever final legislation emerges.
Knowing what is in this bill means you know what is coming before it arrives.
What You Should Do Right Now.
Three things.
One. Write to your representative.
Tell them you support the Social Security 2100 Act. Tell them the CPI-E matters to you. Tell them the minimum benefit floor matters to you. Tell them the caregiver credits matter to you.
One call or one letter from a constituent carries more weight than a thousand social media posts.
Your representative's office number is on congress.gov. Takes three minutes.
Two. Plan as if the 22% cut is coming.
Because it might.
The Social Security 2100 Act is the fix. It is not yet the law. Between now and 2032 anything can happen. Plan for the worst case. If Congress acts and your benefit goes up that is a bonus. If they do not you have already built the income layer that covers the gap.
Three. Understand that your Social Security is only as secure as your other income sources.
The retirees who sleep soundly through every Social Security headline are not the ones praying Congress acts in time.
They built income that arrives whether Congress acts or not.
That is not cynicism.
That is wisdom.
Stay sharp.
— US Retirement Report
This newsletter is for informational and educational purposes only and does not constitute financial, tax, legal, or investment advice. Legislative details are based on publicly available information as of August 3, 2026 and are subject to change. Please consult a qualified financial advisor before making any decisions based on potential legislative changes.
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