"In their 2025 report, they found that Social Security's Old-Age and Survivors Insurance (OASI) Trust Fund will be able to pay 100% of scheduled benefits until 2033. Beyond that point, there will only be enough money to pay 77% of scheduled benefits. If Social Security's OASI Trust Fund and Disability Insurance (DI) Trust Fund were to be combined, they'd be able to pay 100% of scheduled benefits until 2034. After that, there will only be enough funding to cover 81% of scheduled benefits."
"To be clear, it's only the OASI Trust Fund that's used to pay retirement benefits. Lawmakers would have to vote to combine both funds for Social Security to be able to use its DI Trust Fund to pay benefits to retirees. But either way, it's clear from these reports that Social Security is in serious financial trouble. And that's not just something current retirees have to worry about."
Social Security is a primary income source for millions of retirees and an expected future benefit for many workers. The 2025 Trustees' data project the OASI Trust Fund can cover 100% of scheduled benefits through 2033, then drop to 77% thereafter. Combining OASI and DI would extend full payments through 2034, then cover 81% of scheduled benefits. Only OASI currently pays retirement benefits; merging funds would require a vote by lawmakers. Benefit reductions could persist indefinitely and would impact both current retirees and today's workers. Any legislative fixes could also affect current workers' finances.
Read at 24/7 Wall St.
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