CATEGORY: WORKER BENEFIT CHANGES
PROPOSAL:Credit earnings to caregivers' records: Up to 5 years at one-half average wage when caring for children under age six
Start date: 2015  End date: not applicable  Proposed by: National Academy of Social Insurance

Projected effects on beneficiaries in 2050

Table 1. Individual benefit changes, 2050: Caregiver Credits vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Benefits Higher Benefits Lower Benefits Higher Benefits
Total 0% 1% 26% 3% 97%
Sex
Female 0% 1% 32% 4% 96%
Male 0% 0% 20% 1% 99%
Ethnicity/Race
Hispanic 0% 1% 40% 2% 98%
White 0% 1% 20% 4% 96%
Black 0% 0% 33% 1% 99%
Other 0% 1% 34% 3% 97%
Country of Birth
U.S. 0% 1% 21% 3% 97%
Foreign 0% 1% 43% 2% 98%
Age
60-69 0% 0% 33% 1% 99%
70-79 0% 1% 28% 3% 97%
80-89 0% 1% 20% 6% 94%
90+ 0% 1% 13% 4% 96%
Marital Status
Married 0% 1% 30% 5% 95%
Divorced 0% 0% 25% 1% 99%
Widowed 0% 0% 18% 1% 99%
Never Married 0% 0% 22% 0% 100%
Education
Graduate 0% 1% 16% 4% 96%
Bachelor 0% 1% 18% 5% 95%
Associate 0% 1% 23% 3% 97%
High School 0% 1% 32% 2% 98%
Less than 12 Yrs 0% 1% 49% 2% 98%
Official Poverty
Above poverty 0% 1% 25% 3% 97%
In poverty 0% 61% 0% 100%
Household Income Quintile
$200,444+ 0% 1% 16% 7% 93%
$103,985 - $200,444 0% 1% 20% 5% 95%
$60,527 - $103,985 0% 1% 24% 4% 96%
$33,157 - $60,527 0% 1% 28% 2% 98%
$0-$33,157 0% 0% 42% 1% 99%
Current Law Benefit Type
Retired worker 0% 0% 27% 0% 100%
Widow(er) 0% 0% 12% 0% 100%
Spouse 0% 11% 37% 23% 77%
Disabled worker 0% 0% 40% 0% 100%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 1. Individual benefit changes, 2050: Caregiver Credits vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Benefits Higher Benefits Lower Benefits Higher Benefits
Total 0% 100% 0% 100%
Sex
Female 0% 100% 0% 100%
Male 0% 100% 0% 100%
Ethnicity/Race
Hispanic 0% 100% 0% 100%
White 0% 100% 0% 100%
Black 0% 100% 0% 100%
Other 0% 100% 0% 100%
Country of Birth
U.S. 0% 100% 0% 100%
Foreign 0% 100% 0% 100%
Age
60-69 0% 100% 0% 100%
70-79 0% 100% 0% 100%
80-89 0% 100% 0% 100%
90+ 0% 100% 0% 100%
Marital Status
Married 0% 100% 0% 100%
Divorced 0% 100% 0% 100%
Widowed 0% 100% 0% 100%
Never Married 0% 100% 0% 100%
Education
Graduate 0% 100% 0% 100%
Bachelor 0% 100% 0% 100%
Associate 0% 100% 0% 100%
High School 0% 100% 0% 100%
Less than 12 Yrs 0% 100% 0% 100%
Official Poverty
Above poverty 0% 100% 0% 100%
In poverty 0% 100% 0% 100%
Household Income Quintile
$200,444+ 0% 100% 0% 100%
$103,985 - $200,444 0% 100% 0% 100%
$60,527 - $103,985 0% 100% 0% 100%
$33,157 - $60,527 0% 100% 0% 100%
$0-$33,157 0% 100% 0% 100%
Current Law Benefit Type
Retired worker 0% 100% 0% 100%
Widow(er) 0% 100% 0% 100%
Spouse 0% 100% 0% 100%
Disabled worker 0% 100% 0% 100%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 2. Household income changes, 2050: Caregiver Credits vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Income Higher Income Lower Income Higher Income
Total 0% 0% 18% 1% 62%
Sex
Female 0% 0% 20% 1% 60%
Male 0% 0% 15% 0% 65%
Ethnicity/Race
Hispanic 0% 0% 30% 0% 68%
White 0% 0% 12% 1% 55%
Black 0% 0% 24% 1% 71%
Other 0% 0% 24% 1% 64%
Country of Birth
U.S. 0% 0% 14% 1% 58%
Foreign 0% 0% 32% 0% 68%
Age
60-69 0% 0% 22% 0% 63%
70-79 0% 0% 20% 0% 62%
80-89 0% 0% 14% 1% 61%
90+ 0% 0% 8% 1% 52%
Marital Status
Married 0% 0% 20% 0% 55%
Divorced 0% 0% 18% 1% 72%
Widowed 0% 0% 13% 0% 72%
Never Married 0% 0% 17% 1% 75%
Education
Graduate 0% 0% 9% 0% 52%
Bachelor 0% 0% 10% 0% 50%
Associate 0% 0% 15% 0% 60%
High School 0% 0% 23% 1% 65%
Less than 12 Yrs 0% 0% 38% 1% 73%
Official Poverty
Above poverty 0% 0% 17% 0% 59%
In poverty 2% 56% 3% 91%
Household Income Quintile
$200,444+ 0% 0% 1% 0% 0% 6%
$103,985 - $200,444 0% 0% 6% 0% 0% 27%
$60,527 - $103,985 0% 0% 15% 0% 55%
$33,157 - $60,527 0% 0% 26% 0% 79%
$0-$33,157 0% 1% 41% 1% 94%
Current Law Benefit Type
Retired worker 0% 0% 19% 0% 63%
Widow(er) 0% 0% 9% 0% 72%
Spouse 0% 1% 19% 0% 2% 40%
Disabled worker 0% 0% 31% 0% 75%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 2. Household income changes, 2050: Caregiver Credits vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All Beneficiaries Affected Beneficiaries
Median Percent Change Percent With Median Percent Change Percent With
Lower Income Higher Income Lower Income Higher Income
Total 0% 97% 0% 97%
Sex
Female 0% 97% 0% 97%
Male 0% 97% 0% 97%
Ethnicity/Race
Hispanic 0% 98% 0% 98%
White 0% 97% 0% 97%
Black 1% 98% 1% 98%
Other 0% 95% 0% 95%
Country of Birth
U.S. 0% 97% 1% 97%
Foreign 0% 97% 0% 97%
Age
60-69 0% 97% 0% 97%
70-79 0% 98% 0% 97%
80-89 0% 97% 0% 97%
90+ 0% 94% 0% 95%
Marital Status
Married 0% 97% 0% 97%
Divorced 0% 98% 1% 97%
Widowed 0% 97% 0% 97%
Never Married 1% 97% 1% 98%
Education
Graduate 0% 95% 0% 96%
Bachelor 0% 97% 0% 97%
Associate 0% 98% 0% 98%
High School 0% 98% 1% 97%
Less than 12 Yrs 0% 96% 0% 97%
Official Poverty
Above poverty 0% 97% 0% 98%
In poverty 4% 89% 4% 91%
Household Income Quintile
$200,444+ 0% 89% 0% 84%
$103,985 - $200,444 0% 99% 0% 100%
$60,527 - $103,985 0% 100% 0% 100%
$33,157 - $60,527 0% 100% 0% 100%
$0-$33,157 1% 98% 1% 98%
Current Law Benefit Type
Retired worker 0% 97% 0% 97%
Widow(er) 0% 97% 0% 97%
Spouse 0% 96% 0% 96%
Disabled worker 0% 98% 0% 98%
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 3. Poverty, 2050: Caregiver Credits vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic Poverty Rate Population Change (thousands)
Scheduled Option Change
Total 3.5% 2.8% -0.7% -581
Sex
Female 4.2% 3.3% -0.9% -405
Male 2.7% 2.3% -0.4% -175
Ethnicity/Race
Hispanic 5.0% 3.8% -1.2% -194
White 2.4% 2.0% -0.4% -213
Black 6.7% 5.5% -1.1% -106
Other 4.1% 3.2% -0.9% -65
Country of Birth
U.S. 2.8% 2.4% -0.4% -275
Foreign 5.9% 4.4% -1.5% -305
Age
60-69 4.4% 3.6% -0.8% -208
70-79 3.1% 2.4% -0.7% -232
80-89 3.2% 2.6% -0.6% -124
90+ 2.9% 2.7% -0.2% -15
Marital Status
Married 1.3% 0.9% -0.4% -168
Divorced 5.2% 4.1% -1.1% -187
Widowed 3.9% 3.2% -0.7% -112
Never Married 9.6% 8.6% -1.0% -112
Education
Graduate 1.3% 1.0% -0.3% -34
Bachelor 1.4% 1.2% -0.2% -46
Associate 2.6% 2.1% -0.5% -103
High School 5.0% 4.1% -0.9% -251
Less than 12 Yrs 8.8% 7.0% -1.8% -145
Official Poverty
Above poverty 0.0% 0.0% 0.0%
In poverty 100.0% 80.8% -19.2% -588
Household Income Quintile
$200,444+ 0.1% 0.1% 0.0% -3
$103,985 - $200,444 0.1% 0.1% 0.0% -2
$60,527 - $103,985 0.2% 0.1% 0.0% -1
$33,157 - $60,527 0.4% 0.3% -0.1% -13
$0-$33,157 16.7% 13.5% -3.2% -559
Current Law Benefit Type
Retired worker 3.5% 2.8% -0.7% -433
Widow(er) 3.1% 2.6% -0.5% -61
Spouse 3.3% 2.7% -0.6% -33
Disabled worker 5.5% 4.1% -1.4% -52
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 3. Poverty, 2050: Caregiver Credits vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic Poverty Rate Population Change (thousands)
Payable Option Change
Total 7.0% 2.8% -4.1% -3,631
Sex
Female 8.2% 3.3% -4.9% -2,256
Male 5.6% 2.3% -3.3% -1,375
Ethnicity/Race
Hispanic 9.4% 3.8% -5.6% -904
White 5.2% 2.0% -3.1% -1,705
Black 13.0% 5.5% -7.5% -714
Other 7.4% 3.2% -4.2% -307
Country of Birth
U.S. 6.1% 2.4% -3.8% -2,537
Foreign 9.9% 4.4% -5.5% -1,093
Age
60-69 8.1% 3.6% -4.5% -1,154
70-79 6.6% 2.4% -4.2% -1,346
80-89 6.6% 2.6% -4.0% -877
90+ 6.0% 2.7% -3.3% -254
Marital Status
Married 2.3% 0.9% -1.5% -657
Divorced 11.0% 4.1% -7.0% -1,162
Widowed 8.6% 3.2% -5.5% -839
Never Married 17.6% 8.6% -9.0% -972
Education
Graduate 2.2% 1.0% -1.2% -136
Bachelor 2.9% 1.2% -1.7% -347
Associate 5.9% 2.1% -3.9% -765
High School 9.8% 4.1% -5.8% -1,643
Less than 12 Yrs 16.2% 7.0% -9.2% -738
Official Poverty
Above poverty 3.6% 0.0% -3.6% -3,042
In poverty 100.0% 80.8% -19.2% -588
Household Income Quintile
$200,444+ 0.2% 0.1% -0.1% -11
$103,985 - $200,444 0.2% 0.1% -0.1% -17
$60,527 - $103,985 0.5% 0.1% -0.3% -53
$33,157 - $60,527 1.2% 0.3% -0.9% -164
$0-$33,157 32.8% 13.5% -19.3% -3,384
Current Law Benefit Type
Retired worker 6.5% 2.8% -3.7% -2,431
Widow(er) 8.1% 2.6% -5.5% -691
Spouse 6.9% 2.7% -4.2% -237
Disabled worker 11.5% 4.1% -7.3% -271
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 4. Beneficiary characteristics, 2050: Caregiver Credits vs. Scheduled
POPULATION: current law beneficiaries aged 60+
Characteristic All beneficiaries Affected beneficiaries Beneficiaries with lower benefits Beneficiaries with higher benefits
Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent
Total 87,563 100.0 23,570 100.0 685 100.0 22,885 100.0
Sex
Female 46,454 53.1 15,342 65.1 569 83.1 14,773 64.6
Male 41,108 46.9 8,228 34.9 116 16.9 8,112 35.4
Ethnicity/Race
Hispanic 16,087 18.4 6,574 27.9 115 16.7 6,459 28.2
White 54,725 62.5 11,258 47.8 463 67.6 10,795 47.2
Black 9,521 10.9 3,166 13.4 23 3.3 3,144 13.7
Other 7,231 8.3 2,571 10.9 84 12.3 2,487 10.9
Country of Birth
U.S. 67,665 77.3 14,854 63.0 479 69.8 14,375 62.8
Foreign 19,898 22.7 8,716 37.0 207 30.2 8,510 37.2
Age
60-69 25,830 29.5 8,701 36.9 73 10.7 8,628 37.7
70-79 32,047 36.6 9,177 38.9 311 45.4 8,866 38.7
80-89 21,891 25.0 4,599 19.5 256 37.3 4,343 19.0
90+ 7,795 8.9 1,092 4.6 45 6.5 1,048 4.6
Marital Status
Married 44,755 51.1 14,189 60.2 643 93.9 13,545 59.2
Divorced 16,656 19.0 4,180 17.7 25 3.7 4,155 18.2
Widowed 15,365 17.5 2,810 11.9 17 2.4 2,793 12.2
Never Married 10,786 12.3 2,391 10.1 . . . . . . 2,391 10.4
Education
Graduate 11,012 12.6 1,857 7.9 68 10.0 1,789 7.8
Bachelor 20,209 23.1 3,730 15.8 183 26.7 3,547 15.5
Associate 19,742 22.5 4,704 20.0 148 21.6 4,556 19.9
High School 28,574 32.6 9,314 39.5 221 32.3 9,093 39.7
Less than 12 Yrs 8,026 9.2 3,964 16.8 65 9.4 3,900 17.0
Official Poverty
Above poverty 84,498 96.5 21,695 92.0 680 99.2 21,015 91.8
In poverty 3,064 3.5 1,875 8.0 6 0.8 1,869 8.2
Household Income Quintile
$200,444+ 17,512 20.0 2,939 12.5 193 28.2 2,745 12.0
$103,985 - $200,444 17,512 20.0 3,714 15.8 196 28.6 3,518 15.4
$60,527 - $103,985 17,514 20.0 4,380 18.6 159 23.2 4,221 18.4
$33,157 - $60,527 17,511 20.0 5,062 21.5 93 13.5 4,969 21.7
$0-$33,157 17,513 20.0 7,476 31.7 45 6.5 7,432 32.5
Current Law Benefit Type
Retired worker 65,687 75.0 17,833 75.7 57 8.4 17,776 77.7
Widow(er) 12,506 14.3 1,533 6.5 7 1.1 1,525 6.7
Spouse 5,677 6.5 2,738 11.6 621 90.6 2,117 9.3
Disabled worker 3,693 4.2 1,466 6.2 . . . . . . 1,466 6.4
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Note: . . . = not applicable.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 4. Beneficiary characteristics, 2050: Caregiver Credits vs. Payable
POPULATION: current law beneficiaries aged 60+
Characteristic All beneficiaries Affected beneficiaries Beneficiaries with lower benefits Beneficiaries with higher benefits
Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent Number (thousands) Percent
Total 87,563 100.0 87,559 100.0 13 100.0 87,546 100.0
Sex
Female 46,454 53.1 46,451 53.1 2 11.7 46,449 53.1
Male 41,108 46.9 41,108 46.9 11 88.3 41,097 46.9
Ethnicity/Race
Hispanic 16,087 18.4 16,087 18.4 . . . . . . 16,087 18.4
White 54,725 62.5 54,721 62.5 10 80.2 54,711 62.5
Black 9,521 10.9 9,521 10.9 . . . . . . 9,521 10.9
Other 7,231 8.3 7,231 8.3 3 19.8 7,228 8.3
Country of Birth
U.S. 67,665 77.3 67,661 77.3 9 70.3 67,652 77.3
Foreign 19,898 22.7 19,898 22.7 4 29.7 19,894 22.7
Age
60-69 25,830 29.5 25,830 29.5 11 82.0 25,820 29.5
70-79 32,047 36.6 32,047 36.6 1 4.2 32,046 36.6
80-89 21,891 25.0 21,887 25.0 2 13.8 21,886 25.0
90+ 7,795 8.9 7,795 8.9 . . . . . . 7,795 8.9
Marital Status
Married 44,755 51.1 44,751 51.1 12 94.4 44,739 51.1
Divorced 16,656 19.0 16,656 19.0 1 5.6 16,656 19.0
Widowed 15,365 17.5 15,365 17.5 . . . . . . 15,365 17.6
Never Married 10,786 12.3 10,786 12.3 . . . . . . 10,786 12.3
Education
Graduate 11,012 12.6 11,012 12.6 . . . . . . 11,012 12.6
Bachelor 20,209 23.1 20,205 23.1 4 29.6 20,201 23.1
Associate 19,742 22.5 19,742 22.5 3 27.1 19,738 22.5
High School 28,574 32.6 28,574 32.6 2 15.1 28,572 32.6
Less than 12 Yrs 8,026 9.2 8,026 9.2 4 28.3 8,023 9.2
Official Poverty
Above poverty 84,498 96.5 84,495 96.5 13 100.0 84,482 96.5
In poverty 3,064 3.5 3,064 3.5 . . . . . . 3,064 3.5
Household Income Quintile
$200,444+ 17,512 20.0 17,512 20.0 4 28.3 17,508 20.0
$103,985 - $200,444 17,512 20.0 17,509 20.0 6 42.8 17,503 20.0
$60,527 - $103,985 17,514 20.0 17,514 20.0 2 15.1 17,512 20.0
$33,157 - $60,527 17,511 20.0 17,511 20.0 1 8.2 17,510 20.0
$0-$33,157 17,513 20.0 17,513 20.0 1 5.6 17,512 20.0
Current Law Benefit Type
Retired worker 65,687 75.0 65,687 75.0 13 100.0 65,674 75.0
Widow(er) 12,506 14.3 12,506 14.3 . . . . . . 12,506 14.3
Spouse 5,677 6.5 5,674 6.5 . . . . . . 5,674 6.5
Disabled worker 3,693 4.2 3,693 4.2 . . . . . . 3,693 4.2
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Note: . . . = not applicable.
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 5. Beneficiary Status, 2050: Caregiver Credits vs. Scheduled (in thousands)
POPULATION: current law or option beneficiaries aged 60+
Characteristic Current Law Beneficiaries Changes in beneficiary status under proposed option Policy Option Beneficiaries
Added Removed Net Change
Total 87,563 0 88,234
Sex
Female 46,454 0 46,916
Male 41,108 0 41,318
Ethnicity/Race
Hispanic 16,087 0 16,267
White 54,725 0 54,959
Black 9,521 0 9,610
Other 7,231 0 7,398
Country of Birth
U.S. 67,665 0 67,870
Foreign 19,898 0 20,364
Age
60-69 25,830 0 26,103
70-79 32,047 0 32,334
80-89 21,891 0 21,983
90+ 7,795 0 7,814
Marital Status
Married 44,755 0 45,046
Divorced 16,656 0 16,764
Widowed 15,365 0 15,530
Never Married 10,786 0 10,893
Education
Graduate 11,012 0 11,062
Bachelor 20,209 0 20,331
Associate 19,742 0 19,839
High School 28,574 0 28,782
Less than 12 Yrs 8,026 0 8,220
Official Poverty
Above poverty 84,498 0 84,761
In poverty 3,064 0 3,472
Household Income Quintile
$200,444+ 17,512 0 17,568
$103,985 - $200,444 17,512 0 17,554
$60,527 - $103,985 17,514 0 17,559
$33,157 - $60,527 17,511 0 17,575
$0-$33,157 17,513 0 17,978
Current Law Benefit Type
Retired worker 65,687 0 0 65,687
Widow(er) 12,506 0 0 12,506
Spouse 5,677 0 0 5,677
Disabled worker 3,693 0 0 3,693
None 0 0 671
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.
Table 5. Beneficiary Status, 2050: Caregiver Credits vs. Payable (in thousands)
POPULATION: current law or option beneficiaries aged 60+
Characteristic Current Law Beneficiaries Changes in beneficiary status under proposed option Policy Option Beneficiaries
Added Removed Net Change
Total 87,563 0 88,234
Sex
Female 46,454 0 46,916
Male 41,108 0 41,318
Ethnicity/Race
Hispanic 16,087 0 16,267
White 54,725 0 54,959
Black 9,521 0 9,610
Other 7,231 0 7,398
Country of Birth
U.S. 67,665 0 67,870
Foreign 19,898 0 20,364
Age
60-69 25,830 0 26,103
70-79 32,047 0 32,334
80-89 21,891 0 21,983
90+ 7,795 0 7,814
Marital Status
Married 44,755 0 45,046
Divorced 16,656 0 16,764
Widowed 15,365 0 15,530
Never Married 10,786 0 10,893
Education
Graduate 11,012 0 11,062
Bachelor 20,209 0 20,331
Associate 19,742 0 19,839
High School 28,574 0 28,782
Less than 12 Yrs 8,026 0 8,220
Official Poverty
Above poverty 84,498 0 84,761
In poverty 3,064 0 3,472
Household Income Quintile
$200,444+ 17,512 0 17,568
$103,985 - $200,444 17,512 0 17,554
$60,527 - $103,985 17,514 0 17,559
$33,157 - $60,527 17,511 0 17,575
$0-$33,157 17,513 0 17,978
Current Law Benefit Type
Retired worker 65,687 0 0 65,687
Widow(er) 12,506 0 0 12,506
Spouse 5,677 0 0 5,677
Disabled worker 3,693 0 0 3,693
None 0 0 671
Source: SSA/Office of Retirement Policy, using MINT 7 Run: 03/09/2015 Ref #: NASI0331v1
Providing these estimates does not imply SSA support for the proposal, nor is SSA responsible for any interpretations of these estimates.