# 119-hr-3517: Social Security Enhancement and Protection Act of 2025

119-hr-3517, Social Security Enhancement and Protection Act of 2025, is a 119th Congress bill sponsored by Rep. Moore, Gwen [D-WI-4] (D-WI); status introduced; PRIA reads it as touching household money (as of 2026-04-21).

- Canonical: https://policyrisk.com/legislation/119-hr-3517
- As of: 2026-04-21
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-3517
- Congress: 119
- Title: Social Security Enhancement and Protection Act of 2025
- Status: introduced
- Introduced: 2025-05-20
- Sponsor: Rep. Moore, Gwen [D-WI-4] (D-WI)
- Cosponsors: 0
- Policy area: Social Welfare
- Touches household money: yes
- Last recorded action: 2026-04-21

## Summary

**Would boost Social Security benefits for long‑career and low‑income workers while changing payroll tax rules to help pay for them.** The bill would set a new minimum benefit formula, add extra increases for long‑time beneficiaries, extend child benefits to more students, and remake how wages above the taxable base are counted and taxed.

## Provisions PRIA read

- Bigger Social Security after 16+ years: benefit, high. If enacted, long‑time beneficiaries would get an extra boost. Starting 16 years after your first eligibility date, your check would rise by part of a set amount. The share would be 20% at 16 years, 40% at 17, 60% at 18, 80% at 19, and 100% at 20+. The set amount is usually 5% of a benchmark monthly…
- Child benefits for students through age 25: benefit, medium. If enacted, unmarried full‑time college students could keep child benefits through age 25. The school must be a qualifying post‑secondary institution. A break of up to four months could still count if the student plans to enroll right after. The change would apply to applications filed after 2025.
- New minimum Social Security for low earners: benefit, medium. If enacted, this would set a minimum monthly Social Security benefit for people first eligible after 2025. The floor would be a percent of 1/12 of a yearly amount. The percent rises with years worked from 36.7% at 11 years to 100% at 30+ years. You could count up to five years caring for a child un…
- Social Security raises won't cut other aid: benefit, medium. If enacted, any Social Security increase from this bill would not count as income or resources. Agencies would ignore those increases when checking eligibility or amounts for federal, state, or local programs. This protection would apply to months after December 2025.
- Small benefit bump for high earners: benefit, low. If enacted, a new bend point would add 3% of AIME above a high threshold to benefit math. For those first eligible in 2026, the threshold would equal the 2026 contribution and benefit base. For later years, the threshold would rise with the national wage index. It would apply to people who first be…
- Higher Social Security payroll tax rates: cost, low. If enacted, payroll tax rates for Social Security would rise in small steps starting in 2026. Employee and employer rates would go from 6.25% in 2026 to 6.50% in 2031 and later. Self‑employed rates would go from 12.5% in 2026 to 13.0% in 2031 and later. The higher rates would apply to pay and tax y…
- Partial Social Security tax above cap: mixed, medium. If enacted, a share of wages above the Social Security cap would count for tax and benefit purposes. The share would be 90% in 2026, then drop by 10 points each year to 10% in 2034, and 0% after 2035. This would raise payroll taxes on high earners in the early years and slightly raise their credite…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-6900: American Affordability Act of 2025
- 119-hr-7973: Momnibus Act
- 119-hr-2038: American Housing and Economic Mobility Act of 2025
- 119-hr-6976: Duty Status Reform Act
- 119-hr-3971: Domestic Workers Bill of Rights Act

## Sources
- [119-hr-3517 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/3517)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-6900: American Affordability Act of 2025](https://policyrisk.com/legislation/119-hr-6900)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-2038: American Housing and Economic Mobility Act of 2025](https://policyrisk.com/legislation/119-hr-2038)
- [119-hr-6976: Duty Status Reform Act](https://policyrisk.com/legislation/119-hr-6976)
- [119-hr-3971: Domestic Workers Bill of Rights Act](https://policyrisk.com/legislation/119-hr-3971)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-3517 (as of 2026-04-21).