Robert Beers’ Social Security Expansion & Modernization Plan
A Retirement Safety Net That Follows You, Grows With You, and Pays You Fairly
🏛️ The Problem
-
Social Security is underfunded by 2035 if no action is taken.
-
The average monthly benefit is just $1,907 in 2025—far below the cost of living in most of America.
-
Millions of Americans don’t have access to a 401(k), especially gig workers, low-income employees, or those at small businesses.
-
401(k)s are expensive to manage, hard to transfer, and easy to cash out (which reduces retirement security).
💡 The Beers Proposal: Retirement Security That Works Like It Should
✅ 1. Employer-Backed Social Security Contributions as a 401(k) Alternative
-
Employers who don’t offer a 401(k) or pension plan would have the option (or mandate) to contribute a matching retirement amount into their employees’ Social Security account instead.
-
Contributions would be voluntary or matched, just like 401(k)s (3–6% recommended match).
-
These extra contributions go into individualized government-backed retirement sub-accounts, tied to the Social Security system but portable across jobs.
🎯 Result:
-
No more lost or rolled-over accounts
-
No more 401(k) fees
-
And it guarantees everyone has at least one secure retirement account.
✅ 2. Investment Options & Growth with Guardrails
-
Individuals can choose low-risk index funds managed by the Social Security Administration or certified vendors (like how federal employees use TSPs).
-
Contributions grow over time—but can’t be withdrawn early except for emergencies or first-time home purchase.
-
Optional automatic inflation adjustment and cost-of-living increase triggers to protect retirement income value.
🎯 Result:
-
Secure, inflation-resistant income for retirement
-
Accounts that grow and are protected from early withdrawal mistakes
✅ 3. Guaranteed Livable Retirement for Today’s Seniors
For those already nearing or in retirement:
-
Raise the minimum monthly benefit to $2,400 for seniors over 65 who have worked for 30+ years or contributed at least 20 years through employer/employee payroll taxes.
-
Create a “Senior Safety Floor”: No retiree lives below the poverty line.
-
Funded through:
-
A small increase in payroll caps (earnings above $250K pay into Social Security again)
-
A digital services tax on major tech companies
-
Closing corporate loopholes used to dodge Social Security payments
-
🎯 Result:
-
Seniors get what they earned and deserve—a retirement above the poverty line
✅ 4. Self-Employed & Gig Workers Included
-
All Americans, regardless of employment status, can opt into this plan through:
-
A national IRS-backed enrollment portal
-
Monthly auto-deductions based on income or a flat contribution
-
-
Gig employers (Uber, Instacart, etc.) can offer matching funds like regular employers
🎯 Result:
-
Everyone builds wealth—not just the privileged few
🔄 Why This Is a Win for America
-
Simplifies retirement
-
Reduces dependence on Wall Street-driven private plans
-
Ensures fair, consistent income for ALL seniors
-
Unites both parties around choice, fairness, and freedom
✅ Robert Beers: The Leader With a Plan
While politicians like Nancy Mace ignore the Social Security time bomb or push cuts, Robert Beers is offering a solution that protects the elderly, empowers the working class, and simplifies retirement for all.