SS is insolvent. A key sign is that Congress keeps adjusting the retirement age upwards, so the FICA that today's younger workers pay will buy very diluted benefits that don't match what their deductions are currently paying for with current retirees. That breeds cynicism and resentment of our generation.

The ONE thing that protects your and my benefits is political imperative. Social security is a hot potato that nobody will touch. If something happens in the system to force change, the politics may matter less than something else.

Ever hear the phrase "force majeur"? Contracts are breached all the time because money runs out. Read FSK's comments, he 100% nailed it.