Congress Just Passed a Big Social Security Bill (2026) Here's Everything Inside The Bill!

Описание: The Social Security Survival Guide 📖
https://robertkane.gumroad.com/l/wfhe...


Congress just introduced one of the most ambitious Social Security reform proposals in decades — and for once, it's not about cuts. The Social Security 2100 Act (HR 9519) would raise benefits, fix the COLA formula, eliminate the SSDI waiting period, and overhaul overpayment rules.

Robert Kane (licensed attorney, 15+ years) breaks down every provision in plain language.

✅ PROVISION 1: Across-the-Board Benefit Increase
→ First replacement rate: 90% → 93%
→ Everyone gets more. Biggest boost for lower-income earners.

✅ PROVISION 2: Better COLA Formula
→ Switch from CPI-W to whichever is higher: CPI-W or CPI-E
→ CPI-E was designed to reflect actual senior spending (healthcare, housing, medications)
→ Applies 2027–2036

✅ PROVISION 3: New Minimum Benefit for Low-Wage Workers
→ 10+ years of low-wage covered work → new minimum threshold
→ 30+ years → 125% of federal poverty level → ~$20,000/year
→ Tied to poverty level — adjusts annually

✅ PROVISION 4: Higher Tax Thresholds (SS Benefits)
→ Raises income thresholds before SS benefits are taxed
→ Meaningful relief for middle-income seniors

✅ PROVISION 5: Better Surviving Spouse Protection
→ Survivor receives: deceased spouse's benefit OR 75% of combined — whichever is greater
→ Prevents devastating income cliff after spouse dies

✅ PROVISION 6: Boost After 15 Years on Benefits
→ Extra increase phases in at year 16, full amount at year 20
→ Applies 2027–2036

✅ PROVISION 7: Caregiver Credits
→ 960+ hours/year of unpaid caregiving (20 hrs/week) = up to 5 credited years
→ Credited as 50% of national average wage for those years
→ Addresses years that show as zeros in earnings record

✅ PROVISION 8: SSDI 5-Month Wait ELIMINATED
→ Benefits start month 1 of entitlement — NO waiting period
→ Major relief for people who've already waited years for approval

✅ PROVISION 9: Gradual Benefit Offset for SSDI + Work
→ For every $2 earned above limit, benefit reduced only $1
→ No sudden benefit cliff — encourages return to work

✅ PROVISION 10: Student Benefits Extended to Age 26
→ Child of retired/disabled/deceased beneficiary
→ Enrolled at least half-time in college or trade school
→ Applies 2027–2036

✅ PROVISION 11: Expanded Kinship Caregiver Benefits
→ Definition expanded to 5th-degree relatives (aunts, uncles, cousins)
→ Helps grandparents and relatives raising children access benefits

✅ PROVISION 12: SSI/Medicaid/CHIP Protection
→ Benefit increases from this bill won't count as income for SSI, Medicaid, CHIP
→ Prevents benefit increases from pushing people off other programs

✅ HOW IT'S FUNDED:
→ Remove payroll tax wage cap after 2026 (millionaires pay same rate as everyone)
→ New 12.4% tax on net investment income for individuals over $400K/year
→ Merge retirement/survivors fund + disability fund into one unified trust fund

✅ OPERATIONAL REFORMS:
→ SSA staffing levels maintained at January 19 levels
→ Field office closures require 120-day public notice + 2 public hearings
→ Overpayment default withholding: MAX 10% (not 50%)
→ Wrongful death flag victims: right to sue for $5,000+ per violation
→ Data breach protections: civil penalties + right to sue $5,000+ per violation

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📣 HOW TO HELP GET THIS PASSED:
→ Visit congress.gov, house.gov, or senate.gov
→ Enter your address → find your representatives
→ Call, write, or email: "I support HR 9519, the Social Security 2100 Act. Please co-sponsor and vote for it."
→ Share your personal story — personal stories get results
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⚠️ This is a legislative PROPOSAL. It has not passed. It must pass both the House and Senate to become law.

Share this with anyone you know on Social Security or Medicare.

The Exempt File — Know the rule. File the form. Keep the money.


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