United States policymakers are currently looking for ways to reform Social Security because the trust fund is expected to run out of money by 2032.

美國政策制定者目前正在尋找改革社會安全制度的方法，因為信託基金預計將在 2032 年耗盡。

According to reports from the Social Security Administration, the trust fund will be empty by 2032 if the government does not take action. Consequently, monthly benefits would drop to about 78 percent of their current value. This financial problem is caused by a demographic shift, as there are more elderly people and fewer workers contributing to the system due to lower birth rates and less immigration.

根據社會安全局的報告，如果政府不採取行動，信託基金將在 2032 年耗盡。因此，每月福利將下降至目前價值的 78% 左右。這一財務問題是由人口結構轉移引起的，由於出生率下降和移民減少，導致老年人口增加，而向系統供款的勞工減少。

There is a strong disagreement between political leaders on how to solve this. A group of Democratic senators, led by Elizabeth Warren, has asked the administration for details regarding a possible increase in the retirement age. They argue that raising the age would effectively reduce benefits for many retirees. On the other hand, some Republican officials have suggested increasing the retirement age to 69 to lower long-term costs. While the White House claims it wants to protect the program, House Speaker Mike Johnson has stated that he intends to address government spending in the future.

政治領袖在如何解決此問題上存在嚴重分歧。由 Elizabeth Warren 領導的一組民主黨參議員已要求政府提供有關可能提高退休年齡的詳細資訊。他們認為提高年齡將有效減少許多退休人員的福利。另一方面，部分共和黨官員建議將退休年齡提高到 69 歲，以降低長期成本。雖然白宮聲稱希望保護該計劃，但眾議院議長 Mike Johnson 表示，他打算在未來處理政府支出問題。

Raising the retirement age has happened before; for example, the 1983 Social Security Amendments gradually increased the age from 65 to 67. Similarly, countries like the UK, Germany, Denmark, and Italy have made similar changes. However, many people today strongly oppose benefit cuts. As an alternative, the Social Security Expansion Act proposes increasing taxes for high-income earners, while the Bipartisan Social Security Commission Act aims to create a formal group to find long-term solutions.

提高退休年齡此前曾發生過；例如，1983 年的社會安全修正案將年齡從 65 歲逐步提高到 67 歲。同樣地，英國、德國、丹麥和義大利等國家也做出了類似的調整。然而，現今許多人強烈反對削減福利。作為替代方案，《社會安全擴展法案》建議增加高收入者的稅收，而《兩黨社會安全委員會法案》則旨在成立一個正式小組以尋找長期解決方案。

The Social Security program remains in a risky financial position, and the debate continues over whether to increase taxes or raise the retirement age.

社會安全計劃仍處於風險較高的財務狀況，關於應增加稅收還是提高退休年齡的爭論仍在持續。