21.8 Million Seniors Rely on Social Security Alone: Time for Change

The Shocking Reality for Seniors: Living on Social Security Alone

A new study by The Senior Citizens League (TSCL) reveals a worrying trend among America’s senior citizens: approximately 21.8 million seniors are relying solely on Social Security benefits to get by, which isn't providing the financial support they expected. Many seniors are facing the harsh reality that their benefits are failing to keep pace with rising costs of living, leading to dissatisfaction and calls for reform.

Frustration with Social Security Benefits

According to the TSCL survey, nearly two-thirds of respondents voiced their dissatisfaction with the amount they receive from Social Security. The report states that a staggering 94 percent believe that the Cost of Living Adjustment (COLA) they received in 2025—a mere 2.5 percent—is insufficient when compared to the real inflation they experienced in 2024. The majority (80 percent) felt that inflation was actually 3 percent or higher, revealing a significant gap between government estimates and seniors' daily economic experiences.

Calling for Change: The Need for Social Security Reform

The survey also highlights that 95 percent of seniors prioritize reforming Social Security and Medicare. One of the critical changes they support includes adjusting how COLA is calculated. Currently, these adjustments use the Consumer Price Index for Urban Wage Earners, but many seniors advocate for the switch to the Consumer Price Index for the Elderly, which they believe more accurately reflects their living expenses and economic realities. This sentiment is echoed by TSCL Executive Director Shannon Benton, who emphasizes that continued questioning of seniors’ assessments of inflation could undermine necessary reform efforts.

The Hard Truth: Dependence on Social Security

With three-quarters of seniors depending on Social Security for at least half of their income, any potential cuts to the program could drive millions further into poverty. For many, Social Security is not just a safety net; it represents the foundation for a dignified retirement. The implications of ongoing shortcomings or reforms are significant and potentially life-altering for a demographic that has already faced many economic challenges over their lifetimes.

Connecting the Dots: Broader Context of Healthcare Access

This economic struggle is compounded by another pressing issue—access to affordable healthcare. For seniors in Muskegon and similar communities, the affordability of healthcare options is critical. Many seniors face the reality of needing low cost medical insurance in Muskegon or seeking free health clinics to manage their medical needs as they age. The lack of resources available to them heightens their vulnerability, making the financial security provided by Social Security even more important.

What Can You Do?

If you find yourself struggling to navigate these complexities of benefits and healthcare, it is vital to seek assistance. For personalized help in understanding your options, connect with Terrijo Parker, a trusted senior benefits specialist in West Michigan. Call 571-6100 to access expert advice tailored to your needs. Don’t navigate this alone—support is available to help you secure the best possible plan for your unique situation.

Your Voices Matter: Engaging with Policymakers

The findings from the TSCL survey are a clarion call for seniors to come together and demand the reforms they need. By voicing your concerns to local representatives and advocating for policies that better reflect the financial realities of seniors, you can help shift the narrative surrounding Social Security and healthcare access. Your experiences, dissatisfaction, and advocacy are crucial to address these systemic issues.

In conclusion, understanding the current state of Social Security and healthcare access is vital for empowering ourselves and our communities. Through organized advocacy and informed choice, seniors can together address these critical issues that affect their lives every day. Remember, your voice matters.