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Plan on Retiring at ... 68.5?
USNews reports on a study that figures out how much longer someone retiring in 2030 will have to work to get the same Social Security benefits as someone who retired in 2002.
The good news: it's not ten years. The bad news: you'll be closer to 70 than 65. The study found that to maintain parity, that future retiree will have to work 3.5 years longer.
The analysis by researchers at Boston College considers the impact of already-implemented changes, such as:
- increase in the age at which you can claim full Social Security benefits,
- projected increases in the Medicare Part B premium as a percentage of the Social Security benefit, and
- likely income taxes on these benefits
... but not the significant changes proposed by various commissions and think tanks that may be necessary to sustain the system.
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