美國社會安全保險面臨破產危機
US Social Security Faces Potential Insolvency
Updated at: June 24, 2026 at 12:30 AM
美國社會安全老年與遺屬保險（OASI）信託基金目前面臨重大的財務挑戰。
The U.S.
破產」一詞聽起來雖令人擔憂，但這並不意味著該制度將會消失。
According to the 2026 Trustees Report, the fund is projected to exhaust its reserves by late 2032.
社會安全制度是以「隨收隨付」的方式運作，主要資金來源為薪資稅。
While the term 'insolvency' sounds alarming, it does not mean the system will vanish.
若國會不介入，到2032年時，受益人可能面臨約22%至23%的福利削減。
However, once reserves are depleted, the law prevents the government from paying full benefits unless revenue increases.
造成這種缺口的主要原因是人口結構變遷，例如人口老化與出生率下降，以及所得不均的加劇。
Without intervention from Congress, beneficiaries could face a benefit reduction of approximately 22% to 23% by 2032.
由於薪資稅設有上限，越來越多的收入未能被課稅。
This shortfall is largely driven by demographic shifts, such as an aging population and lower birth rates, alongside rising income inequality.
為了恢復長期穩定，決策者正在考慮多種方案，包括調整稅率、提高課稅收入上限，或修改退休年齡。
Because payroll taxes are capped, a growing portion of earnings remains untaxed.
主要的障礙仍是政治問題，因為越晚採取行動，最終的解決方案對美國民眾而言就會越困難。
While the situation requires serious attention, experts emphasize that this is a manageable math challenge.
