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Com 172 Persuasive Essay

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Social Security and Retirement
Erin Darby
COM172
June 7, 2011
Louise Gerdes

Social Security and Retirement In the United States, Americans need to plan for retirement. Social Security will not cover people’s needs when retiring. Americans who retire should use savings based on their personal investments, private savings accounts, employer’s pensions such as 401K, and Social Security so that they can live the rest of their lives comfortably. Americans that retire can receive full Social Security benefits depending on their year of birth. For example, baby boomers have the retirement age increased to age 67 for those born after 1960. The generation of baby boomers, Generation X, and Generation Y should be concerned that Social Security benefits will be exhausted when reaching the age of retirement. Without Social Security, what security do Americans really have? Americans should not depend on Social Security for early retirement for several reasons. The Social Security benefit amount might be less than what retirement recipients need, the retirement benefits might disqualify them from receiving full Social Security benefits, or the benefits may no longer be available. One reason Americans should not depend on Social Security is that the benefit amount might be less than what Social Security retirement recipients need. Some workers who have contributed to their Social Security could possibly fall into poverty. According to Laura Sullivan (2008), “future generations will be less prepared for retirement that is both longer and more costly as life expectancies grow, health care costs rise, and existing employer-based retirement programs shift more of the risks and subsequent costs onto individuals.” (para.11). Americans who enter into early retirement and now live longer lives have placed a burden on the future of Social Security for those who want

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