Social Security History 1994-96 Advisory Council

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	1994-96 Advisory Council Report

Table 3Am. StdVal NoTaxAdj (continued)	Comparison of "Moneys Worth" for the OASDI Program for Present Law and Advisory Council Options With Reduced CPI*

		Ratio of Benefits to Taxes (in present value) for Married Couples with One Earner

		AGE 22 IN 1971
		Married, Male Worker Only				Married, Female Worker Only
		-------------------------------				-------------------------------
Package	(TF Int)	Low Erns	Ave Erns	High Erns	Max Erns	Low Erns	Ave Erns	High Erns	Max Erns
Present Law	(2.3)	164	123	103	89	143	107	89	78
5% PSA-All Tax	(2.3)	152	107	89	76	132	93	77	67
5% PSA-Hi Yld	(2.3)	156	111	92	79	136	96	80	70
1.6% IA-Hi Yld	(2.3)	144	108	90	77	124	92	77	67
MB+	(4.6)	171	128	107	92	149	111	93	80
MB-PAYGO	(4.2)	164	123	103	88	143	107	89	77
MTR	(2.3)	145	107	89	76	124	91	76	65
LTR	(2.3)	158	109	88	74	136	93	76	63

		AGE 22 IN 1995
		Married, Male Worker Only				Married, Female Worker Only
		------------------------------				------------------------------
	(TF Int)	Low Erns	Ave Erns	High Erns	Max Erns	Low Erns	Ave Erns	High Erns	Max Erns
Present Law	(2.3)	202	151	125	100	177	132	109	87
PL PAYGO	(2.3)	192	144	119	95	167	125	103	82
5% PSA-All Tax	(2.3)	183	120	98	85	161	106	88	76
5% PSA-Hi Yld	(2.3)	217	151	128	114	193	135	116	103
1.6% IA-Hi Yld	(2.3)	173	126	106	88	151	110	92	77
MB+	(4.6)	225	168	139	111	197	147	121	97
MB-PAYGO	(4.2)	202	151	125	100	177	132	109	87
MTR	(2.3)	165	113	90	71	142	97	77	60
LTR	(2.3)	210	112	78	57	179	93	65	47

		AGE 22 IN 2019
		Married, Male Worker Only				Married, Female Worker Only
		------------------------------				------------------------------
	(TF Int)	Low Erns	Ave Erns	High Erns	Max Erns	Low Erns	Ave Erns	High Erns	Max Erns
Present Law	(2.3)	213	159	131	106	188	140	116	93
PL PAYGO	(2.3)	173	129	107	86	152	113	94	75
5% PSA-All Tax	(2.3)	202	132	109	95	178	117	97	85
5% PSA-Hi Yld	(2.3)	227	159	136	123	202	143	124	112
1.6% IA-Hi Yld	(2.3)	177	130	109	92	155	114	96	82
MB+	(2.3)	242	181	149	120	213	159	131	106
MB-PAYGO	(4.2)	197	147	122	98	174	129	107	86
MTR	(2.3)	166	113	90	70	143	97	77	60
LTR	(2.3)	215	109	74	53	183	90	61	43

* The moneys worth ratio is the ratio of expected benefits to expected employee plus employer taxes, both in present value.
* Assuming 0.21% lower COLA starting Dec 97; no change in nominal wage or interest.
All values based in intermediate assumptions of the 1995 Trustees Report*.

Office of the Actuary / Social Security Administration July 28, 1996

NOTE: Tables 3A, 3As, and 3Am provide comparisons of "money's worth" ratios derived from contributions and benefits from both the OASDI program and the individual accounts under the various plans. Backup information may be obtained by selection of the following :


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1994-96 Advisory Council Report