Leaders in the United States want to fix Social Security. The program will not have enough money in 2032.

美國領導層希望修正社會安全制度。該計畫將在 2032 年面臨資金不足。

The government says the money will run out soon. This happens because people are living longer. There are not enough young workers to pay for the old people.

政府表示資金很快將會耗盡。這是因為人們的壽命延長了。年輕勞工的人數不足以支付老年人的費用。

Some leaders want people to work longer. They want the retirement age to be 69. Other leaders say this is bad. They say old people will get less money every month.

部分領導層希望人們延長工作時間。他們希望將退休年齡提高到 69 歲。其他領導層則認為這樣做很糟糕，會導致老年人每個月領到的錢減少。

Other countries like Germany and Italy also raised the retirement age. Some US leaders want a different plan. They want to take more tax money from rich people to help the program.

德國和義大利等其他國家也提高了退休年齡。一些美國領導層則希望採取不同的方案，他們希望從富人身上徵收更多稅款來支持該計畫。

The program has a money problem. Leaders must decide to raise taxes or change the retirement age.

該計畫目前面臨資金問題。領導層必須決定要增加稅收還是更改退休年齡。

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。

United States policymakers are currently evaluating reform strategies to address the projected insolvency of the Social Security trust fund by 2032.

美國政策制定者目前正在評估改革策略，以解決社會安全信託基金預計於 2032 年破產的問題。

The Social Security Administration's trustees report indicates that without legislative intervention, the trust fund will be depleted by 2032, necessitating a reduction of scheduled benefits to approximately 78 percent. This fiscal instability is attributed to a demographic shift characterized by an aging population, diminished birth rates, and reduced immigration, which collectively decrease the ratio of contributing workers to beneficiaries.

社會安全局的受託人報告指出，若無立法干預，信託基金將於 2032 年耗盡，屆時必須將原定福利削減至約 78%。此財政不穩定歸因於人口結構轉變，其特徵為人口老化、出生率下降以及移民減少，導致繳費勞工與受益人的比例下降。

Stakeholder positioning reveals a significant ideological divergence. A coalition of Democratic senators, led by Elizabeth Warren, has formally requested clarification from the Trump administration regarding the potential elevation of the full retirement age. These legislators contend that such a measure would constitute a functional benefit reduction, potentially decreasing monthly payments for the median retiree by 17 to 35 percent. Conversely, certain Republican officials and policy groups, including the Republican Study Committee in previous iterations, have explored increasing the retirement age to as high as 69 to mitigate long-term expenditures. While White House spokesperson Liz Huston has asserted the administration's commitment to protecting the program, House Speaker Mike Johnson has indicated an intent to address entitlement spending in forthcoming policy cycles.

利益相關者的立場顯示出顯著的意識形態分歧。由 Elizabeth Warren 領導的民主黨參議員聯盟已正式要求川普政府澄清是否可能提高全面退休年齡。這些立法者主張，此類措施將構成實質上的福利削減，可能使中位數退休者的每月領取金額減少 17% 至 35%。相反，部分共和黨官員及政策小組（包括前期的共和黨研究委員會）曾探討將退休年齡提高至 69 歲，以減輕長期支出。雖然白宮發言人 Liz Huston 聲稱政府致力於保護該計劃，但眾議院議長 Mike Johnson 已表示有意在未來的政策週期中處理權利金支出問題。

Historical antecedents provide a precedent for such adjustments; the Social Security Amendments of 1983 incrementally raised the retirement age from 65 to 67 to ensure solvency. This trend is mirrored internationally, with the United Kingdom, Germany, Denmark, and Italy implementing similar upward adjustments. However, contemporary opposition remains high, as evidenced by Ronald Reagan Institute and NASI data indicating substantial public disapproval of benefit reductions. Proposed alternatives include the Social Security Expansion Act, which suggests increasing payroll taxes on high-income earners, and the Bipartisan Social Security Commission Act, which seeks to establish a formal mechanism for developing long-term solvency solutions.

歷史前例為此類調整提供了依據；1983 年的《社會安全修正案》將退休年齡從 65 歲逐步提高到 67 歲以確保償付能力。此趨勢在國際間亦有所體現，英國、德國、丹麥與義大利均實施了類似的上調措施。然而，當前的反對聲音依然強烈，Ronald Reagan 研究所與 NASI 的數據顯示，公眾對削減福利持有高度不滿。提出的替代方案包括《社會安全擴展法案》，建議增加高收入者的薪俸稅，以及《兩黨社會安全委員會法案》，旨在建立一個正式機制以開發長期償付解決方案。

The Social Security program remains in a state of fiscal precariousness, with the debate centering on whether to implement tax increases or adjust eligibility age thresholds.

社會安全計劃仍處於財政不穩定狀態，爭論焦點在於應實施增稅還是調整領取資格的年齡門檻。