Social Security 2100 Act
Sponsored By: Senator Blumenthal, Richard [D-CT]
Introduced
Summary
strengthen Social Security benefits and its funding. The bill raises benefit calculations, updates cost‑of‑living rules, expands child and survivor eligibility, and changes how Social Security is financed for 2027–2036.
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- Seniors and beneficiaries: Raises the Primary Insurance Amount factor from 90% to 93% for benefits paid 2027–2036, adds a new minimum benefit floor for long‑term low earners, and changes COLAs to the higher of CPI‑W or CPI‑E. It also creates phased increases tied to long tenure and adjusts survivor rules.
- Workers and tax filers: Ends the payroll wage‑base cap after 2026, adds 1% of earnings above the contribution base into benefit calculations, and restructures the Net Investment Income Tax into two parts with thresholds at $250,000 (joint) and $400,000 for the Social Security contribution component.
- SSA operations and protections: Requires SSA to keep at least the Jan 19, 2025 headcount, imposes a moratorium and new review rules on office closures, limits non‑fraud overpayment recovery to 10% of monthly benefits unless the beneficiary agrees, and tightens data and Social Security number protections.
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Bill Overview
Analyzed Economic Effects
10 provisions identified: 6 benefits, 3 costs, 1 mixed.
Higher Social Security checks for retirees
If enacted, monthly retirement and survivor checks would be larger in many cases for benefits paid in 2027–2036. The PIA first factor would rise from 90% to 93% for 2027–2036. COLAs for 2027–2036 would use the higher of CPI‑W or CPI‑E (or an R‑CPI‑E until BLS publishes CPI‑E). The NAWI used for indexing would be treated as slightly higher in future years by scheduled small escalators. For high earners, 1% of AIME above the old wage base would be counted toward PIA starting for pay after 2026.
Protect SSI, Medicaid, and CHIP eligibility
If enacted, for means‑tested programs (SSI, Medicaid, CHIP) the title II benefit amounts used to decide eligibility and benefits would be treated as if the Social Security benefit increases had not happened. This is meant to prevent higher Social Security checks in 2027–2036 from cutting SSI, Medicaid, or CHIP eligibility or benefits.
Higher tax on some investment income
If enacted, the 3.8% net investment income tax would be replaced for tax years after 2026 by two parts. One part keeps 3.8% on NII above a Medicare threshold ($250,000 joint, $125,000 married separate, $200,000 other filers). The other part adds a 12.4% charge on NII up to the portion of MAGI that exceeds $400,000. Estates and trusts get similar rules.
No Social Security wage cap anymore
If enacted, pay earned after 2026 would no longer be limited by the old Social Security wage cap. That means higher earners would pay Social Security payroll tax on wages above the prior cap for remuneration paid in calendar years after 2026. The bill also creates a single consolidated Social Security Trust Fund and directs specified tax streams to it starting the first fiscal year after enactment.
Deemed wage credits for caregivers
If enacted, people who provide at least 960 hours of unpaid care in a year could get credited wages for Social Security if they become eligible in 2027–2036. Up to five qualifying years that give the largest benefit would count. A qualifying year with no paid wages would be credited at 50% of the NAWI (second preceding year); partial credits apply if some wages were earned.
More benefits for children and students
If enacted, dependent children's Social Security benefits would be expanded for months in 2027–2036. Unmarried qualifying post‑secondary students could get child's benefits up to age 26 if attending at least half‑time, with a 4‑month transition after high school. Certain children living with qualifying relatives who lived with and were half‑supported by that relative for 12 months would also qualify, with special rules for infants under 12 months.
Stronger SSA privacy and service protections
If enacted, SSA would face tighter limits on who can access beneficiary data and stronger remedies for wrongful disclosures or SSN invalidation. The bill would bar political appointees and certain special employees from beneficiary systems, create private lawsuits with at least $5,000 damages for wrongful SSN invalidation or negligent disclosures, require IG investigations and quick reporting, and limit non‑fraud overpayment recoveries to 10% of a Title II check unless a beneficiary agrees to more. It would also require SSA to keep staffing at or above the January 19, 2025 level, pause most office closures, mail account statements by default (unless you opt in to electronic), and set an annual cap formula for representative fees.
More Social Security benefits may be taxed
If enacted, for tax years 2027–2036 up to 85% of Social Security benefits could be included in gross income or the lesser of 85% or half an income excess, using new base amounts. Base amounts would be $35,000 for single filers, $50,000 for joint filers, and $0 for some married non‑joint filers. The law would direct net revenues from this taxation to the Hospital Insurance Trust Fund and to Social Security payor funds.
New rules for disability work and waiting
If enacted, people who become disabled in 2027–2036 would begin SSDI benefits in their first month of disability instead of waiting five months. Also for months in 2027–2036, disability benefits would not automatically stop because you worked; instead benefits would be cut $1 for each $2 earned above the Commissioner's blind SGA threshold after trial work rules, with protections that prevent cuts before the third month after trial work and prevent benefits going below $0.
No SECA tax under $400
If enacted, net self‑employment earnings under $400 in a taxable year would not count as SECA self‑employment income for Social Security purposes for tax years after Dec. 31, 2026. This reduces Social Security tax and covered earnings for very low‑earning self‑employed people.
Sponsors & CoSponsors
Sponsor
Blumenthal, Richard [D-CT]
CT • D
Cosponsors
Sen. Slotkin, Elissa [D-MI]
MI • D
Sponsored 7/21/2026
Sen. Luján, Ben Ray [D-NM]
NM • D
Sponsored 7/21/2026
Sen. Whitehouse, Sheldon [D-RI]
RI • D
Sponsored 7/21/2026
Sen. Duckworth, Tammy [D-IL]
IL • D
Sponsored 7/21/2026
Roll Call Votes
No roll call votes available for this bill.
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