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Table 26s 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
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Single Male Worker Single Female Worker
(TF
Real Low Ave High Max Low Ave High Max
Package Int) Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 45656 75361 99584 119754 52866 87271 115300 138662
PL PAYGO (2.3) 45656 75361 99584 119754 52866 87271 115300 138662
5% PSA-401K (2.3) 54630 88749 124924 171072 59979 94088 130805 177210
5% PSA-USBond (2.3) 46920 71616 97510 130011 52037 76439 102566 134912
1.6% IA-401KAn(2.3) 44710 73700 100524 129033 50577 82607 111957 142696
1.6% IA-USBond(2.3) 41053 65572 87519 109556 46862 74352 98749 122914
MB (4.2) 45634 75312 99548 119698 52838 87209 115254 138592
MTR (2.3) 35320 52832 67132 79023 41012 61352 77946 91757
LTR (2.3) 30699 35568 39834 43620 35375 39412 43323 46174
Present Value of Expected Pyrl Tax (EE + ER) Cohort 22 in 2026
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Single Male Worker Single Female Worker
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
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Single Male Worker Single Female Worker
Low Ave High Max Low Ave High Max
Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 5388 -14125 -43594 -94706 11118 -5485 -33138 -83680
PL PAYGO (2.3) -6682 -40947 -86510 -158990 -1442 -33415 -77798 -150574
5% PSA-401K (2.3) 9426 -11707 -35804 -69676 13113 -10058 -35829 -72386
5% PSA-USBond (2.3) 1716 -28840 -63218 -110737 5171 -27707 -64068 -114684
1.6% IA-401KAn(2.3) -754 -27332 -61128 -113099 3441 -22139 -55635 -108334
1.6% IA-USBond(2.3) -4411 -35460 -74133 -132576 -274 -30394 -68843 -128116
MB (4.2) 4194 -16778 -47796 -101004 9842 -8335 -37618 -90388
MTR (2.3) -4948 -36654 -76046 -135437 -736 -31404 -70492 -130585
LTR (2.3) 1731 -28804 -63162 -110652 5343 -27326 -63457 -113768
Moneys Worth Ratio (BenefitsX100/Taxes) Cohort 22 in 2026
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Single Male Worker Single Female Worker
Low Ave High Max Low Ave High Max
Erns Erns Erns Erns Erns Erns Erns Erns
Present Law (2.3) 113 84 70 56 127 94 78 62
PL PAYGO (2.3) 87 65 54 43 97 72 60 48
5% PSA-401K (2.3) 121 88 78 71 128 90 78 71
5% PSA-USBond (2.3) 104 71 61 54 111 73 62 54
1.6% IA-401KAn(2.3) 98 73 62 53 107 79 67 57
1.6% IA-USBond(2.3) 90 65 54 45 99 71 59 49
MB (4.2) 110 82 68 54 123 91 75 61
MTR (2.3) 88 59 47 37 98 66 53 41
LTR (2.3) 106 55 39 28 118 59 41 29
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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