Concern over Social Security's forecasted long-run deficit is occurring at a time when the program has a short-term surplus. One proposed strategy to address this forecasted deficit is to allow the investment of a portion of payroll taxes into private savings accounts (PSAs). The author analyzes recent proposals for PSAs and concludes that PSAs…

Social workers understand that assessing the implications of a policy for individual citizens like Veronica, a 51 year-old African American woman whose retirement will be jeopardized by President Bush's plan for social security, is often a good yardstick by which to measure the impact of a change. Moreover, social workers understand that policy…