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One of the major challenges with the Social Security system is the lack of funds available to accommodate those who have been paying into it. In 2018, a report from the Report of the Trustee of the Social Security Trust Fund suggested, that by the year 2034, the revenue available to payout full payments to its participants just would not be available. The generation most affected by this dilemma would be the Baby Boomers. (Keevey, 2019)

It’s not fair to Baby Boomers, who have been contributing their whole lives to prepare for retirement and now that they are ready to receive benefits they will be denied or given partial payments. The problem is also posing a huge sense of uncertainty and skepticism among other generations. Children of Baby Boomers and even grandchildren are aware that the social security financial crisis will affect them directly and indirectly. (Karger & Stoesz, 2018, p.213).

Therefore in solving this problem another problem arises which is, how or where does the Social Security system plan to get the money to fix this? Also whatever solution is chosen is it viable enough to prevent this from happening again and affecting other generations? In the article, The Real Problem With Social Security, the author Brad McMillian suggests it’s an easy fix when he states, “Can we raise social security revenue enough to do that? In fact, economically, it would be quite simple. Right now, social security contributions are limited to the first $132,900 of income; if you make more than that, you don’t pay on the excess” (McMillian, 2019).

McMillian also believes that by eliminating the limitation of taxation on workers earnings and maintaining that all workers are taxed on all of their earnings would bring a huge revenue stream to the Social Security system (McMillian, 2019). In the article, Social Security: Problems and Logical Solutions, Richard Keevey also believes tat the taxable maximum should be eliminated but offers a few more solutions when he states, “A gradual increase in age to qualify for full benefits from 67 to 68.52 over a period of the next 10 years; and an increase in the payroll tax rate of 1 to 2 percent over the same time line” (Keevey, 2019).

As human services providers we must look at these possible solutions and the ages of our staff or clientele to determine how they might impact budgeting. In addition depending on those numbers look at the impact of fundraising. I would look to adhere strategic fund raising so that whatever our company needs or obstacles we can troubleshoot and hopefully offset costs using this method. As Herzberg stated in the Foundations in human services practice on pg 115, “Strategic fundraising is a mission based approach which means the organization’s mission is critical to the process of setting fundraising objectives and goals” (Herzberg, 2015,p.115).


Herzberg, J. T. (2015). Foundations in human services practice: A generalist perspective on individual, agency, and community. Upper Saddle River, New Jersey: Pearson.

Karger, H. J. & Stoesz , D. (2018). American social welfare policy: A pluralist approach (8th ed). Upper Saddle River, New Jersey: Pearson.

Keevey, R. (2019, January 2). Social Security: Problems and Logical Solutions.

Retrieved from https://princetoninfo.com/social-security-problems…

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