Qualities of Life
Greatness, however you choose to measure it, can emerge from any society. Even North Korea is able to produce incredibly skilled musicians and scientists. So no society can really take too much pride in the achievements of the select few, it is how the regular person lives that should be sought as a laudable achievement. It is all the more impressive if a society can come together to help the worst off: the poor, the sick, the disabled, and the aged. The dignity of the marginalized groups of a country are the true measure of that society’s worth, and this is something we recognize implicitly even if we seem to forget it on a typical day. As a continuation of my last post about education in the framework of the Second Bill of Rights, today I want to talk about the next topic FDR highlighted, social security.
Back in the 1930s more than half of all seniors were living in poverty. The people who had worked hard their entire lives, raised families, built the country they inhabited found themselves living in a country that would not remunerate their services. From one of the worst depressions on record, the United States decided that it was better that we all chip in some of our income so that there will always be a provision for our parents, for our retired, for all those who had made the world we now inhabit possible. Today we still maintain that great tradition, we all have our Social Security cards, we all pay in and expect at some point to get our pay out, but times have changed. The math behind the retirement age and the efficacy of Social Security has changed so much that we are at risk of drying up what has been one of the greatest projects this country has ever made.
And before I go on, let’s be clear that it is not just the simple changes of average life span that have affected these problems. The United States government has borrowed against Social Security to the tune of nearly $3 trillion. Starting in the 1980s we began to siphon off surplus revenue from Social Security coffers to pay for wars, government programs of all stripes, and tax cuts. The mismanagement of this trust, by those who care much more about immediate politics than the actual interests of the American people, is downright obscene if not criminal. It is a theft from those whom we have committed to protecting in retirement, in the same way we hope that future generations will protect us. And worse, the false, self-made calamity has put many seniors in a position of having to choose either the continuation of their own benefits programs or those of coming generations. If any solution is going to be viable in the long term, we need to ensure that such mismanagement is never allowed again, and punish those who would seek to do so.
However, even if we do solve the problems of fiduciary bungling on the part of some incapable politicians, we are still left with some rather odd math. On the one hand we should all be ecstatic that in the 20th century quality and quantity of life has been able to flourish as people live into their 80s in a much healthier way than ever before. The grim reality though is that if this is the case then we have a large and growing population of people who are living several decades past the point when their retirement benefits begin, rather than the few years that was initially expected. A technically viable solution to this problem would be to increase Social Security taxes to pay for longer retirements, but then we face the question of who will bear the full brunt of those increases. The younger, working population certainly owes a debt to the generations that came before, but to make these plans solvent in the long run could very well burden coming generations so much that the economy grinds to a halt.
One of the more realistic solutions that, at least in some form, I think we do need to accept is that the retirement age is simply no longer current. Most countries put the retirement age in the mid to low 60s, although some like the US have bumped them toward the upper 60s. And although I might agree that in some sense we should raise that age of retirement again to meet the problems of longevity, it comes with significant downsides. First of all what are the effects of keeping people in the workplace longer? Without the people in senior positions of companies retiring, or even those who simply stayed in manufacturing all their lives, the entry level positions never open up. People of my generation and younger may have to wait until well into their 20s before they are able to find some gainful employment, particularly if we never address the living wage. This means that people who pay into Social Security will have to pay that much more when they finally do enter the workforce, unless the retired population can accept reduced benefits for having worked that much longer. But this all ignores an even more fundamental question concerning Social Security.
Are we defending the quality or quantity of life for seniors? I mean even if we give in to the most conservative plans to scale back Social Security benefits, raise retirement ages until the 70s, or whatever else is deemed necessary, what kind of life are we providing for our seniors? I don’t know how many of my readers have any experiences in retirement homes, interactions with people in advanced old age, or just an understanding of what aging means, but it is not always a comfortable retirement. Modern medicine is indeed making 60 the new 50, but at some point you have to recognize that not all retirements are going to be peaceful extended vacations, and the realities of the limitations of what we can do needs to be acknowledged. We can keep hearts beating for decades, we can keep air flowing through lungs indefinitely, we can extend life well beyond the point where people are actually aware that they are alive and that’s the problem.
As a society we fear death way more than is reasonable, which is why threats of terrorism and pandemics always attract great ratings in spite of all the evidence of how safe and healthy we are. I’ve had more than a few experiences in hospitals where I got a pretty good idea of the fact that I am a mortal and just as there was a world functioning before me, there will be one after me. And you know what? When you have time with your thoughts like that you recognize that death as a proposition isn’t nearly as scary as being trapped in a functionless body or worse to be conscious of your brain slowly fading away. When I get to my own advanced age, I’d rather not be hooked up to a dialysis machine and a breathing apparatus and anything else that is needed to meet the technical definitions of living, and that’s my personal choice. I can’t expect everyone to come to the same point of view as me, but I would hope that when we talk about a subject like this we could be candid about what we really defend for our seniors.
Certainly we must continue to fight poverty for those who worked their entire lives building the world we enjoy today and we should pay back our debt to the generations that came before us. We must be willing to treat our fellow human beings with the dignity that they deserve and that we would hope will be returned to us when the roles shift. But we need to recognize the limits of economics, of medicine, of aging and act rationally with our compassion. If all our efforts are in keeping people alive as long as possible then the conversation will lead to how we can keep them working as long as possible. I don’t know whether to say this is an unfortunate or fortunate reality, but we need to be able to talk about what we want from old age as individuals and families and not as a matter solely of public policy. Do we want to work into our 70s? Do we want to be kept alive past the 100 year mark? Until and unless we start answering these questions it is just going to become more and more difficult to address the problem of how we keep the great institution of Social Security thriving for all generations.