Social Security, the vital lifeline for tens of millions of Americans, including 161,841 people in Vermont, is about to celebrate its 90th birthday. This program is essential for covering basic needs like housing, groceries, gas, and other everyday expenses. As we mark this anniversary, it’s a reminder of our responsibility to strengthen the program and ensure it continues to serve the millions who depend on it, now and in the future.
A Cornerstone of Retirement in America
Social Security has been the foundation of retirement security in the U.S. for nearly a century. On August 14, 1935, President Franklin D. Roosevelt signed the Social Security Act into law, and in January 1937, Ida May Fuller, the first recipient of Social Security (a Vermonter!), received her first monthly check for $22.54 — which would be equivalent to $518.58 today. From these humble beginnings, Social Security now provides $1.4 trillion in retirement security, helping over 67 million Americans plan their retirements with confidence.
Social Security’s Importance in Vermont
Nearly one in four Vermonters — 161,841 people — rely on Social Security benefits. The program plays a crucial role in lifting 42,000 Vermonters out of poverty every month. It helps Vermonters retire with dignity, offers critical support to those with disabilities, and serves as a financial lifeline for families coping with the loss of a loved one. Social Security is more than just a retirement program; it’s a vital resource for people of all ages and backgrounds.
Social Security Will Never “Go Broke”
One common misconception is that Social Security could “go broke.” However, this is not true. Social Security operates on a pay-as-you-go system, which means that as long as workers continue to contribute through payroll taxes, the program will continue to pay benefits. The latest Social Security Trustees’ Report does indicate that the surplus will be exhausted by 2035, but this does not mean the program will stop. It’s up to Congress to act, just as it did in 1983 when reforms were implemented to prevent a shortfall. Without Congressional action, however, millions of Americans could face reduced benefits.
Customer Service Challenges at the SSA
In addition to funding issues, Social Security faces challenges in customer service. The Social Security Administration (SSA) has struggled for years with long wait times, staffing shortages, and unresolved customer service issues. This crisis has been ongoing, and in 2025, wait times have continued to increase, making it difficult for Americans who need assistance to reach a representative. With about 10,000 people retiring every day, the demand for SSA services is only growing, and the current staffing levels and budget constraints make it difficult for the agency to meet these demands.
The Path Forward: Improving SSA Service and Ensuring Security
The new Social Security Commissioner must prioritize improving customer service at the SSA. This includes addressing long wait times, ensuring clear communication about changes to the program, and making sure that lower staffing levels do not hinder the agency’s ability to serve the public. Congress also needs to oversee the SSA’s operations to ensure it continues to provide timely and effective services to the millions who depend on it.
A Call for Stronger Social Security for Future Generations
At AARP, we have worked with every administration and Congress, regardless of party, to protect and strengthen Social Security. For 90 years, this program has been the cornerstone of retirement in the U.S., supporting 67 million Americans. As we celebrate this milestone, it’s crucial that we continue to ensure the program’s strength not just for another 90 years, but for generations to come.
