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Dean Baker

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Beating Back the CEO Attack on Social Security and Medicare

Posted: 08/06/2012 2:33 pm

Last week I wrote about the conspiracy of corporate chieftains to impose a budget plan involving large cuts to Social Security and Medicare, regardless of who wins the elections in November. According to veteran Washington Post columnist Steven Pearlstein, who wrote approvingly of these efforts, many of the top executives of the country's biggest companies are meeting behind closed doors to design such a budget plan.

This plan is expected to follow the designs of the plan crafted two years ago by Morgan Stanley Director Erskine Bowles and former Senator Alan Simpson, the co-directors of President Obama's deficit commission. The Bowles-Simpson plan called for a reduction in the annual cost-of-living adjustment for Social Security that is equivalent to a 3 percent cut in benefits. It also called for gradually raising the normal retirement age to 69 and phasing in lower benefits for workers who earned more than $40,000 a year. The Bowles-Simpson plan would also raise the age of eligibility for Medicare to 67.

Pearlstein indicated that these corporate honchos were prepared to spend hundreds of millions of dollars to get their plan put into law. He put the necessary figure at $278 million. This target is made easier by virtue of the fact that the CEOs sit on trillions of dollars of corporate revenue and, thanks to the Supreme Court, all their contributions for this effort will be fully tax deductible.

That's the state of play, at least according to Pearlstein's assessment, or my interpretation of his assessment. The question is whether this juggernaut can be stopped?

Well, if it were a straight question of where the money lies, the answer is clearly no. The CEOs seeking to cut back or dismantle Social Security and Medicare can probably outspend the defenders of these programs 10 to 1. However, there is still the simple fact that the voters overwhelmingly support these programs.

This is a result reported by every poll every conducted on these issues. Both Social Security and Medicare enjoy extremely high approval ratings across the political spectrum. There is almost nothing that unites the public as much as support for these programs. Well over 70 percent of Republicans, Democrats and Independents indicate strong support for Social Security and Medicare.

The same holds by ideology. There is little difference between people who call themselves liberals and conservatives, both groups overwhelmingly support Social Security and Medicare and are opposed to cuts in these programs. Even self-described supporters of the Tea Party overwhelmingly support Social Security and Medicare.

The question is how to make it so that popular sentiment overrides the big bucks of the corporate chieftains. The obvious answer would be to make the protection of these programs central issues in the election. Members of Congress and candidates for seats should be pressed to indicate where they stand on the proposed cuts to these programs.

That means getting them to answer specific questions, like whether they support reducing the annual cost-of-living adjustment or raising the normal retirement age for Social Security or the age of eligibility for Medicare. These are among the most important issues in people's lives and voters should not have to go to the polls not knowing where the candidates for the House, the Senate or the presidency stand on them.

People should also be aware that politicians are true masters of evasion on these questions. A response like, "I support Social Security and Medicare," should be taken to mean that they are prepared to support cuts for these programs. All of the people running for office are smart enough to know how to say that they oppose the cuts being put on the table, and they undoubtedly would say that they oppose the cuts, if it is true.

Similarly, a statement like, "I oppose the privatization of Social Security and Medicare" should also be taken to mean that they are prepared to support cuts to these programs. Again, they are not being asked about privatization, it's not immediately on the table, why would they give an answer about privatization except to avoid admitting their support for cuts?

The news media should also be pressed into service in this effort. It is their job to tell us the candidates' positions on important issues and there are few issues more important to voters than Social Security and Medicare. People should harangue their local newspapers and television stations to ask candidates their positions on cuts to these programs. This is far more important than most of the gossip about the campaigns that dominates news coverage.

The whole effort here must be focused on smoking out politicians on where they stand on cuts to Social Security and Medicare. The CEOs want to do this behind closed doors because they know that politicians who have to answer to their constituencies will never be able to get away with these cuts. The key is to force the debate into the sunlight.

 

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01:21 PM on 08/09/2012
The cap is regressive and needs to be uncapped. Wealthy people live six years longer than their less affluent counterparts and so yes, they do receive a better return. Plus, SS is a social insurance program that is there for the disabled, dependent children and the elderly. To think that only poor people benefit from this program is disingenuous. Do middle and upper-class families not have children who befall tragedy and turn to SS and Medicare to assist their survival? Having worked in state government for many years, I can tell you that wealthy people take advantage of the programs available to them. Also, consider how much money is poured into health insurance over the course of a lifetime and how much you get on return. If you need it, it's there; if your healthy, it's pouring money down a black hole. Finally, if you read the article, you will not post a comment about the evil GOP unless you are willing to hold Democrats such as Durbin, Udall, Hoyer, Pelosi, Himes, and Obama accountable for shifting the costs of the military-industrial complex, big pharma and the financial industry onto its most vulnerable citizens.
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Joe Economist
Risk Manager
11:53 AM on 08/08/2012
"The whole effort here must be focused on smoking out politicians on where they stand on cuts to Social Security and Medicare. "

The whole effort here is to divert your attention to the financial imbalances in the system to the man behind the curtain. Who is nameless here.

The Trustees (who aren't CEOs by the way) have said that the system has a shortfall of 20.5 trillion dollars. That means that once all of the Trust Fund is repaid, the system continues to carry 20.5 trillion in promises for which it has no cash.

Where in this article does it mention the fact that the Trustees have said (in a good situation) people as old as 63 today EXPECT to life long enough to have their benefits cut.

When you don't have facts, smear the enemy. When you don't even have an enemy, you must create one.
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Joe Economist
Risk Manager
03:01 PM on 08/08/2012
Should read : The whole effort here is to divert your attention FROM the financial imbalances ...
12:43 AM on 08/08/2012
Finally someone astutely calling it for what it is. Nice work. Today I was dwelling on just how well the corporate overlords have won the key arguement that government should not try and do anything domestically. Anyone advocating any new government program will get quickly marginalized as a nanny statist.
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Sherrie Heckendorn
08:12 PM on 08/07/2012
Of course the greedy CEO'S want to end ss and medicare, so they can keep their slave workers even longer making everyone richer but the employees.All that is needed is to remove the cap on payroll taxes and also to access a sur charge on large corporations for medicare. These two programs are among the best benefits to being an american.
08:42 AM on 08/08/2012
Sherrie:
Thanks for your reply, and providing the link.
According to the excerpt, the trust fund runs out of money in 2033.
This strongly suggests that there are no financial ramifications until the trust fund is exhausted.
The truth, however, is that the same financial dynamics would happen when the trust fund runs out, as when it is tapped, if benefits are not to be reduced.
That is, general revenues are needed to redeem trust interest and principal, just like general revenues will be needed to make up the deficit at exhaustion.
Of course,if general revenues are not available, then debt held by the public must increase.
I can provide a reputable government excerpt and link to support these statements, if you would like for me to do so.
Don Levit
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Joe Economist
Risk Manager
11:59 AM on 08/08/2012
You should take a close look at the assumptions which enable the system to pay full benefits until 2033. The Trustees provide what they call high cost assumption in which the Trust Fund is depleted by 2027. Again, look at the assumptions - just because SSA calls them high-cost doesn't mean that they are realistic. I can give you example of absurd assumptions in the 'high-cost' formula.

I work with Fix Social Security Now so I am interested in the links. I do not doubt your statements, but it is helpful to see where else this issue is discussed. You can have trouble posting them.
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Anthony C Wilson
12:17 PM on 08/07/2012
All we need to is remove the cap and social security will be flush with cash for future retirees. Whats the point of having the cap at $106,000 of income? The cap needs to be lifted on those withgreater incomes and imposed on more of their earnings, its simple. We would hardly have an deficits if the constituencies understood the issues and enforced their will on their politicians. Close the loopholes, make it illigal to put your income in tax shelters, eliminate or raise the capital gains rate and force the rich to play by the rules of our democracy.
03:17 PM on 08/07/2012
Anthony:
I am all for people paying their fair share of taxes.
If we eliminate the cap, with no other adjustments, it means that for every dollar paid in, the person receives 15 cents in benefits. That is an effective taxation rate of 85%.
Regarding deficits, note that on a cash basis, Social Security has been running a deficit since 2010.
What that means is that interest on the "special-issue" bonds must be redeemed (from general revenues if a budget surplus or increased debt held by the public if a budget deficit).
The entire trust fund is empty, from a cash flow basis.
2 reasons verify this fact:
1. It takes cash to redeem principal and interest, rather than simply liquidating the interest and principal, if it was pre-funded.
2. The balance in the trust fund is part of our total debt.
Unless debt= cash, there is no store of wealth in the trust fund.
Don Levit
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Sherrie Heckendorn
08:17 PM on 08/07/2012
http://money.usnews.com/money/blogs/planning-to-retire/2012/04/24/6-facts-about-the-social-security-trust-fund the trust funds are not projected to run out for the next 20 years and all its needed is to remove the cap on payroll taxes., Please actually research as the trust fund is not empty
04:50 PM on 08/07/2012
The reason that there is a cap is that higher income individuals won't have as much of their pre-retirement income replaced by Social Security. So it isn't just a cap on contributions, it is on benefits too. So if the cap is lifted, either the benefits would have to be raised too, or have caps on the income subject to Social Security taxes lifted without a corresponding increase to benefits and have Social Secuirty look more like a true welfare means tested program.
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MassWG
11:00 AM on 08/07/2012
"Both Social Security and Medicare enjoy extremely high approval ratings across the political spectrum. There is almost nothing that unites the public as much as support for these programs."

Of course they do.

"When the people find that they can vote themselves money, that will herald the end of the republic."
- Ben Franklin

“The democracy will cease to exist when you take away from those who are willing to work and give to those who would not.”
- Thomas Jefferson

"A democracy cannot exist as a permanent form of government. It can only exist until the majority discovers it can vote itself largess out of the public treasury. After that, the majority always votes for the candidate promising the most benefits with the result the democracy collapses because of the loose fiscal policy ensuing, always to be followed by a dictatorship, then a monarchy.

The average age of the world's greatest civilizations has been 200 years. Great nations rise and fall. The people go from bondage to spiritual truth, to great courage, from courage to liberty, from liberty to abundance, from abundance to selfishness, from selfishness to complacency, from complacency to apathy, from apathy to dependence, from dependence back again to bondage. "

- Alexis de Tocqueville.
07:10 PM on 08/07/2012
If only it were true. The trend in the last 30 years is not that people have voted themselves "more money" but that corporations and the wealthy have diverted most of the benefits to themselves. The average salary has not increased in the last 30 years while corporate and taxes on the wealthy are at all time lows. The "people" vote for a one-party plutocracy masquerading as a two party system. The disparity in income is greater than before the great depression.

The theives on Wall Street push this country over the edge to fatten their already bloated wallets and it's the "people" who are to blame.

The corporations destroy our manufacturing base and blame the "people's" lack of skills and industry.

And individuals claims that a social safety network that takes care of the poor and sick is "voting themselves money".

We can't have a social security system or a healthcare system that actually cares about the poor and sick but we can always increase the budget for the grossly obese Pentagon and fund ever increasing wars to kill dark skinned people.

It's not that we can't fund social programs that benefit society as a whole, it's just that greed is spreading at epidemic rates amongst the wealthy and wealthy wanna-bes.
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MassWG
11:02 PM on 08/07/2012
Well, I agree with some of what you say: we DO vote for a one-party plutocracy masquerading as a two party system, and and that plutocracy DOES always increase the budget for the grossly obese Pentagon and fund ever increasing wars. It's a sad situation.

But I wouldn't blame Wall Street and corporations and greed for what is happening. I would blame a monetary system that embraces excessive credit expansion that has no relationship to real goods and services. The funny money that the government creates out of thin air, via the private banking cartel known as the Fed, is what has helped cause the rapid and extreme globalization, financialization and de-industrialization of our economy.

It is no coincidence that things started heading south around 1970, when the dollar de-linked from gold. The seeds for that eventuality were planted in 1922 (also the seeds for the Great Depression) and the few economists that saw the potential for grave trouble (Rueff, Triffin, etc.) are hardly household names even among economics writers.

Here's a good take on the whole thing:
http://www.cobdencentre.org/author/lehrman/
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Joe Economist
Risk Manager
12:17 PM on 08/08/2012
"The average salary has not increased in the last 30 years while corporate and taxes on the wealthy are at all time lows."

What is the source for your wage statement? The last 12 years have had stale real-wage growth in the private sector, but that stems mainly from peak wages driven higher to accommodate the Y2K work.

"We can't have a social security system or a healthcare system that actually cares about the poor and sick "

We have taken so much wealth from the workers that when they arrive at retirement they are poor. Dean Baker notes in another article that retiree wealth is around 170K including home equity. The Urban Institute puts the cost of Social Security on a retiree last year at more than 3 times that amount. Social Security is what is creating the poor.
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Sherrie Heckendorn
08:25 PM on 08/07/2012
For every quote you listed there are twice as many that attest to the fact that a true democracy is one where you pay taxes to keep your country safe and infrastructure good, and that you provide free education and in any other country besides ours, that also includes health care. The reason that countries fall is from exactly what is happening in our country and that is inequality of wealth. When you have an inequality of wealth as high as ours is, you no longer have a viable economy. Sad that so many in our country equate help with dependence. What would you have the working poor do(it takes 71 to 88 hours a week at min wage to maybe meet basic needs and if you have a family that wont provide enough food) who by the way are employed by the largest most profitable corporations, or the children or the elderly or the disabled? Are you trying to tell me that if i pay into an insurance policy all my working life, its now an entitlement? No its not, and whenever the inequality gets like ours, governments topple and civil wars happen. You only have to look to the '3rd world country's or greece or spain or any of the other country's that are having huge protests. Research and realize that yes democracy's can succeed as long as the rich are kept out of our government.
PROGRESSISGOOD
Without Economic Justice, There Is No Justice!
10:44 AM on 08/07/2012
We need a Norquistian pledge from all candidates that they will never ever vote for any changes in social security and/or medicare that would result in benefits being reduced by a single penny.
09:43 AM on 08/07/2012
at this rate my personal retiement plan will be to go 100mph into a brick wall without my seatbelt on :)
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Joe Economist
Risk Manager
12:30 PM on 08/08/2012
You are doing better than most of us. You will be able to afford a car AND gas.
01:38 PM on 08/08/2012
who said the car would be mine
09:05 AM on 08/07/2012
Medicare should be done away with and be replaced with a single payer system. The cap on SS taxes should be removed and the rate of taxation doubled so that retirees can have a real retirement. At least that's the way I see it.
09:04 AM on 08/07/2012
But the people paid into it. Humm I guess no cuts coming for the ones who did not or for children?
Hey, if I am not going to get it, I want the deductions from my pay stopped immediately.
martman1
retired business owner
06:07 AM on 08/07/2012
Has Obama ever come out and straight forwardly said he is opposed to any reductions in any form (i.e chained CPI, raising retirement age, raising Medicare qualification age, higher co-pays, etc.) to these benefits? We already know Romney is all for these cuts - and more.
Matt51
$15 per hour minimum wage, 28% capital gains tax
05:50 AM on 08/07/2012
A counter-debate needs to be started to shift the center of gravity of the issue. Lets start demanding returning the retirement age to 65 from 67, and increasing benefits. Lets apply the Social Security tax to unearned income as well as earned income to pay for these increases. Then sit back and listen to the howls of indignation of the super wealthy, the very thought that they would have to pay the same taxes as the working poor and middle classes!
01:02 AM on 08/07/2012
No one can deny that the Republicans' position on Social Security and Medicare is well documented: Republicans want to privatize Social Security, and issue insurance vouchers to Medicare recipients, in effect turning Social Security over to Wall Street, and Medicare over to the insurance companies. What receives little attention, however, is the fact that the Obama administration is dedicated to reducing both Social Security and Medicare benefits. David Plouffe, senior advisor to President Obama, admitted as much in a 6/18/2012 article in the New Yorker magazine. It is fair to say that the Democratic plan, if President Obama is re-elected in November, is to once again try to produce the "grand bargain" with Republicans, in which Democrats will exchange cuts in Social Security and Medicare for increased taxes from the Republicans. In what seems to be an instance of incredible naivete, Plouffe is quoted as saying that the Republicans will be easier to deal with after the election, that the Republicans will want to work with President Obama. Who can believe that the Republicans will ever practice a "go along to get along" philosophy, a philosophy in which one gives up important core principles in the name of pragmatism?
President Obama should be asked at every opportunity what cuts to Social Security and Medicare he advocates. President Obama should also be asked if he supports an increase in the FICA cap up to total income.
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silverstreet
All you need is love
11:37 PM on 08/06/2012
Sure, the people want Social Security and Medicare. But it doesn't matter what the people want.
06:45 AM on 08/07/2012
I also want a unicorn, but that doesn't mean it's possible or good idea.
11:32 PM on 08/06/2012
But the left says obama does not want to cut ss. We all knew that was a lie.