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Table 26m Comparison of "Moneys Worth" for the OASDI Program for Present Law and
StdVal Advisory Council Options With Reduced CPI*
NoTaxAdj
Present Value of Expected Benefits Cohort 22 in 2026
-----------------------------------------------------------------------------------------
Married, Male Worker Only Married, Female Worker Only
(TF
Real Low Ave High Max Low Ave High Max
Package Int) Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 86547 143726 189736 228162 79249 131173 173246 208347
PL PAYGO (2.3) 86547 143726 189736 228162 79249 131173 173246 208347
5% PSA-401K (2.3) 88370 128462 169756 221999 80738 117855 157318 207071
5% PSA-USBond (2.3) 79789 109392 139244 176297 72288 99079 127276 162073
1.6% IA-401KAn(2.3) 77123 123409 164406 205242 69665 111724 149382 187387
1.6% IA-USBond(2.3) 73055 114370 149942 183580 65704 102946 135336 166350
MB (4.2) 86504 143633 189667 228057 79206 131081 173178 208242
MTR (2.3) 66739 100333 127480 149938 59499 89156 113272 133303
LTR (2.3) 61845 69518 75445 80735 54577 59720 64302 67747
Present Value of Expected Pyrl Tax (EE + ER) Cohort 22 in 2026
-----------------------------------------------------------------------------------------
Married, Male Worker Only Married, Female Worker Only
Low Ave High Max Low Ave High Max
Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 40268 89486 143178 214460 41748 92756 148438 222342
PL PAYGO (2.3) 52338 116308 186094 278744 54308 120686 193098 289236
5% PSA-401K (2.3) 45204 100456 160728 240748 46866 104146 166634 249596
5% PSA-USBond (2.3) 45204 100456 160728 240748 46866 104146 166634 249596
1.6% IA-401KAn(2.3) 45464 101032 161652 242132 47136 104746 167592 251030
1.6% IA-USBond(2.3) 45464 101032 161652 242132 47136 104746 167592 251030
MB (4.2) 41440 92090 147344 220702 42996 95544 152872 228980
MTR (2.3) 40268 89486 143178 214460 41748 92756 148438 222342
LTR (2.3) 28968 64372 102996 154272 30032 66738 106780 159942
Present Value of Expected "Net Subsidy" Cohort 22 in 2026
-----------------------------------------------------------------------------------------
Married, Male Worker Only Married, Female Worker Only
Low Ave High Max Low Ave High Max
Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 46279 54240 46558 13702 37501 38417 24808 -13995
PL PAYGO (2.3) 34209 27418 3642 -50582 24941 10487 -19852 -80889
5% PSA-401K (2.3) 43166 28006 9028 -18749 33872 13709 -9316 -42525
5% PSA-USBond (2.3) 34585 8936 -21484 -64451 25422 -5067 -39358 -87523
1.6% IA-401KAn(2.3) 31659 22377 2754 -36890 22529 6978 -18210 -63643
1.6% IA-USBond(2.3) 27591 13338 -11710 -58552 18568 -1800 -32256 -84680
MB (4.2) 45064 51543 42323 7355 36210 35537 20306 -20738
MTR (2.3) 26471 10847 -15698 -64522 17751 -3600 -35166 -89039
LTR (2.3) 32877 5146 -27551 -73537 24545 -7018 -42478 -92195
Moneys Worth Ratio (BenefitsX100/Taxes) Cohort 22 in 2026
-----------------------------------------------------------------------------------------
Married, Male Worker Only Married, Female Worker Only
Low Ave High Max Low Ave High Max
Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 215 161 133 106 190 141 117 94
PL PAYGO (2.3) 165 124 102 82 146 109 90 72
5% PSA-401K (2.3) 195 128 106 92 172 113 94 83
5% PSA-USBond (2.3) 177 109 87 73 154 95 76 65
1.6% IA-401KAn(2.3) 170 122 102 85 148 107 89 75
1.6% IA-USBond(2.3) 161 113 93 76 139 98 81 66
MB (4.2) 209 156 129 103 184 137 113 91
MTR (2.3) 166 112 89 70 143 96 76 60
LTR (2.3) 213 108 73 52 182 89 60 42
Note: All values based in intermediate assumptions of the 1995 Trustees Report*. All dollar values are present value at age 22, then wage indexed to 1995. * Assuming 0.21% lower COLA starting Dec 97; no change in nominal wage or interest. Office of the Actuary / Social Security Administration July 28, 1996 |
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