Could Congress change Social Security before I retire—or even after I've started collecting benefits?

The short answer is yes.

Congress has the authority to make changes to Social Security. However, understanding what could happen—and what is actually being proposed—can help you make informed retirement decisions without reacting to alarming headlines.

Why is Congress discussing Social Security?

Social Security has provided retirement benefits for nearly 90 years, but demographic changes are creating long-term funding challenges.

Can your Social Security benefits be taxed? Learn how Social Security taxation works, what determines whether your benefits are taxable, and practical planning considerations for retirement.