Robert Beers’ Social Security Expansion & Modernization Plan

A Retirement Safety Net That Follows You, Grows With You, and Pays You Fairly

🏛️ The Problem

1. Social Security is underfunded by 2035 if no action is taken.
2. The average monthly benefit is just $1,907 in 2025—far below the cost of living in most of America.
3. Millions of Americans don’t have access to a 401(k), especially gig workers, low-income employees, or those at small businesses.
4. 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

1. 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.
2. Contributions would be voluntary or matched, just like 401(k)s (3–6% recommended match).
3. These extra contributions go into individualized government-backed retirement sub-accounts, tied to the Social Security system but portable across jobs.

🎯 Result:

1. No more lost or rolled-over accounts
2. No more 401(k) fees
3. And it guarantees everyone has at least one secure retirement account.

✅ 2. Investment Options & Growth with Guardrails

1. Individuals can choose low-risk index funds managed by the Social Security Administration or certified vendors (like how federal employees use TSPs).
2. Contributions grow over time—but can’t be withdrawn early except for emergencies or first-time home purchase.
3. Optional automatic inflation adjustment and cost-of-living increase triggers to protect retirement income value.

🎯 Result:

1. Secure, inflation-resistant income for retirement
2. 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:

1. 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.
2. Create a “Senior Safety Floor”: No retiree lives below the poverty line.
3. 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
4. A small increase in payroll caps (earnings above $250K pay into Social Security again)
5. A digital services tax on major tech companies
6. Closing corporate loopholes used to dodge Social Security payments

🎯 Result:

1. Seniors get what they earned and deserve—a retirement above the poverty line

✅ 4. Self-Employed & Gig Workers Included

1. 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
2. A national IRS-backed enrollment portal
3. Monthly auto-deductions based on income or a flat contribution
4. Gig employers (Uber, Instacart, etc.) can offer matching funds like regular employers

🎯 Result:

1. Everyone builds wealth—not just the privileged few

🔄 Why This Is a Win for America

1. Simplifies retirement
2. Reduces dependence on Wall Street-driven private plans
3. Ensures fair, consistent income for ALL seniors
4. 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.

🌐 www.RobertBeers.com

🌐 www.RobertBeersForCongress.com