# 119-hr-9415: Safeguarding American Families and Expanding Social Security Act of 2026

119-hr-9415, Safeguarding American Families and Expanding Social Security Act of 2026, is a 119th Congress bill sponsored by Rep. Simon, Lateefah [D-CA-12] (D-CA); status introduced; PRIA reads it as touching household money (as of 2026-07-23).

- Canonical: https://policyrisk.com/legislation/119-hr-9415
- As of: 2026-07-23
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-9415
- Congress: 119
- Title: Safeguarding American Families and Expanding Social Security Act of 2026
- Status: introduced
- Introduced: 2026-06-23
- Sponsor: Rep. Simon, Lateefah [D-CA-12] (D-CA)
- Cosponsors: 4
- Policy area: Taxation
- Touches household money: yes
- Last recorded action: 2026-07-23

## Summary

**Rewrites how earnings above the Social Security contribution and benefit base count for taxes and benefits.** This bill would phase in a new taxable share for high earnings, change the Primary Insurance Amount formula, recompute some existing benefits, and move COLAs to an elderly-focused price index. - Workers and self-employed people: Would treat an "applicable percentage" of wages and net self-employment income above the contribution base as taxable for Social Security, starting at 80% in 2026 and stepping down to 0% by 2030. This changes how much high earners owe in Social Security payroll taxes. - Future beneficiaries: Would raise the lowest wage factor used in the Primary Insurance Amount calculation to 95% and would count 5% of surplus earnings toward benefits. Those changes reshape how initial benefits are computed for people becoming eligible after 2030. - Current beneficiaries and COLAs: Would require recomputations for people who became eligible before 2026 with a recomputation effective January 2026. It would also switch cost-of-living adjustments to the Consumer Price Index for Elderly Consumers, with COLA rules applying to determinations ending after September 30, 2026.

## Cosponsors (4)

- Rep. Omar, Ilhan [D-MN-5] (D-MN), 2026-07-16T00:00:00.000Z
- Rep. Deluzio, Christopher R. [D-PA-17] (D-PA), 2026-07-16T00:00:00.000Z
- Rep. Waters, Maxine [D-CA-43] (D-CA), 2026-07-20T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2026-07-21T00:00:00.000Z

## Provisions PRIA read

- Higher Social Security benefits for many: benefit, medium. If enacted, the bill would change how the Social Security primary insurance amount (PIA) is calculated. For people who first become eligible in 2026 the first PIA bend point would be fixed at $6,300; for later initial eligibles it would be indexed to wages and, for those first eligible after 2030,…
- Social Security COLA tied to elderly prices: benefit, medium. If enacted, the bill would require the Bureau of Labor Statistics to publish a monthly Consumer Price Index for Elderly Consumers (CPI-E) starting with months ending on or after June 30 of the enactment year. The Social Security Administration would use CPI-E for cost-of-living adjustments for comp…
- Lower payroll taxes on high earners: mixed, medium. If enacted, the bill would phase down how much of wages above the yearly Social Security base count for tax and benefit credits. The applicable share would be 80% in 2026, 60% in 2027, 40% in 2028, 20% in 2029, and 0% from 2030 on. The same schedule would apply to self-employment tax for taxable ye…

## Related bills

- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-3151: SHIPS for America Act of 2025
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-7973: Momnibus Act
- 119-hr-3069: Medicare for All Act
- 119-hr-7853: PrEP Access and Coverage Act of 2026

## Sources
- [119-hr-9415 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/9415)

## Related
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-3151: SHIPS for America Act of 2025](https://policyrisk.com/legislation/119-hr-3151)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-3069: Medicare for All Act](https://policyrisk.com/legislation/119-hr-3069)
- [119-hr-7853: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-hr-7853)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-9415 (as of 2026-07-23).