Opinion

Why is my 13-year-old daughter eligible for Social Security?

Jim Huffman Dean Emeritus, Lewis & Clark Law School
Font Size:

Sooner or later Congress has to do something about our unsustainable Social Security system. A cautionary tale will help explain why the system is headed for bankruptcy. Like any personal story, it is anecdotal, but anecdotes in the aggregate can add up to billions of dollars.

A year and a half ago I decided to retire from teaching. Nearly 40 years in the professoriate provided me with a better-than-adequate retirement income from TIAA-CREF. Fifty years of FICA withholding from my wages and salary also made me eligible for Social Security.

The first thing I learned about Social Security is that the people who work for the Social Security Administration, at least the ones I talked with, are not the problem. Every person I dealt with was knowledgeable, polite and efficient. But here is what I learned from those people.

As soon as I expressed my desire to apply for Social Security benefits, it became clear that the folks in Washington know a lot about me. The application required very little information beyond what they already had.

I stated that I wanted the benefits to begin in January of 2013, at which time I will be two months short of 68. I was told that would be fine, but that I could choose to draw benefits retroactive to April 2012. I asked what difference it would make in terms of monthly payments and was told it would be about $200.

After a little quick math I decided to opt for retroactive benefits. For the nine months from April to December I would receive a lump sum payment of about $24,000. At $200 per month it would take 10 years to make up that amount if I waited for the higher monthly payments beginning January 2013. Because I could be dead in 10 years and really don’t need the money anyway, it was easy to opt for a nice bonus today.

It took less than a week for the $24,000, less taxes withheld, to appear in my bank account.

But that wasn’t the end of it. The nice man at Social Security said he would need to schedule an interview for me with someone in the local office to confirm the eligibility of my dependent children. Not knowing that my decision to have children at an advanced age would qualify them for Social Security benefits when I retired, I was taken aback. But the interview was scheduled for the next week.

On the appointed day, a pleasant woman called from the local Social Security office to confirm that my younger children are indeed eligible. Qualifying was simple. They must be dependent and either under the age of 18 or still in high school. That means that my son will receive benefits until he graduates from high school next June and my two daughters will receive benefits for the next three and five years, respectively. Alas, my two much older children will have to fend for themselves, but their mother, my former wife, will be able to claim benefits, “if she chooses to do so,” explained the nice Social Security person. I wonder what she will choose to do.

Because all of this seemed a bit extravagant to me, I pondered what sort of benefits my children would receive. The Social Security person asked if I had a couple minutes while she calculated their benefits. In my mind I guessed something in the neighborhood of $100 a month for the three of them. Wrong. She said they each would receive approximately $615 per month, and because I had chosen to commence my payments last April, they too would receive back pay. Within days, about $4,500 (again, taxes withheld) appeared in each of their bank accounts.

Now, I recognize that all tolled this is only $40,000, plus whatever my former wife is eligible for, in a federal budget of trillions. But it strikes me that I am not the only one on this gravy train. Oh, I know, I earned it and paid for it over four decades — but not really. There isn’t really a Jim Huffman account in an Al Gore lock box at Social Security. That FICA withholding on my pay stubs all these years is really just another tax collected to help pay for those who retired before me.

Why didn’t anybody ask me whether my children and I need all of this back pay, and what we might need going forward? Because it is an entitlement. No one asked because the law doesn’t take account of need. It should. Until Congress mandates that Social Security and other federal entitlements be based at least to some extent on need, there is no hope for solving our ever-worsening fiscal crisis.

But don’t get me wrong. I won’t send any of the money back until Warren Buffett voluntarily pays the kind of taxes he says he should be paying — including back taxes.

Jim Huffman is the dean emeritus of Lewis & Clark Law School, the co-founder of Northwest Free Press and a member of the Hoover Institution’s De Nault Task Force on Property Rights, Freedom and Prosperity.

PREMIUM ARTICLE: Subscribe To Keep Reading

Sign up

By subscribing you agree to our Terms of Use

You're signed up!

Sign up

By subscribing you agree to our Terms of Use

You're signed up!
Sign up

By subscribing you agree to our Terms of Use

You're signed up!

Sign up

By subscribing you agree to our Terms of Use

You're signed up!
Sign up

By subscribing you agree to our Terms of Use

You're signed up!

Sign Up

By subscribing you agree to our Terms of Use

You're signed up!
Sign up

By subscribing you agree to our Terms of Use

You're signed up!
Sign up

By subscribing you agree to our Terms of Use

You're signed up!
BENEFITS READERS PASS PATRIOTS FOUNDERS
Daily and Breaking Newsletters
Daily Caller Shows
Ad Free Experience
Exclusive Articles
Custom Newsletters
Editor Daily Rundown
Behind The Scenes Coverage
Award Winning Documentaries
Patriot War Room
Patriot Live Chat
Exclusive Events
Gold Membership Card
Tucker Mug

What does Founders Club include?

Tucker Mug and Membership Card
Founders

Readers,

Instead of sucking up to the political and corporate powers that dominate America, The Daily Caller is fighting for you — our readers. We humbly ask you to consider joining us in this fight.

Now that millions of readers are rejecting the increasingly biased and even corrupt corporate media and joining us daily, there are powerful forces lined up to stop us: the old guard of the news media hopes to marginalize us; the big corporate ad agencies want to deprive us of revenue and put us out of business; senators threaten to have our reporters arrested for asking simple questions; the big tech platforms want to limit our ability to communicate with you; and the political party establishments feel threatened by our independence.

We don't complain -- we can't stand complainers -- but we do call it how we see it. We have a fight on our hands, and it's intense. We need your help to smash through the big tech, big media and big government blockade.

We're the insurgent outsiders for a reason: our deep-dive investigations hold the powerful to account. Our original videos undermine their narratives on a daily basis. Even our insistence on having fun infuriates them -- because we won’t bend the knee to political correctness.

One reason we stand apart is because we are not afraid to say we love America. We love her with every fiber of our being, and we think she's worth saving from today’s craziness.

Help us save her.

A second reason we stand out is the sheer number of honest responsible reporters we have helped train. We have trained so many solid reporters that they now hold prominent positions at publications across the political spectrum. Hear a rare reasonable voice at a place like CNN? There’s a good chance they were trained at Daily Caller. Same goes for the numerous Daily Caller alumni dominating the news coverage at outlets such as Fox News, Newsmax, Daily Wire and many others.

Simply put, America needs solid reporters fighting to tell the truth or we will never have honest elections or a fair system. We are working tirelessly to make that happen and we are making a difference.

Since 2010, The Daily Caller has grown immensely. We're in the halls of Congress. We're in the Oval Office. And we're in up to 20 million homes every single month. That's 20 million Americans like you who are impossible to ignore.

We can overcome the forces lined up against all of us. This is an important mission but we can’t do it unless you — the everyday Americans forgotten by the establishment — have our back.

Please consider becoming a Daily Caller Patriot today, and help us keep doing work that holds politicians, corporations and other leaders accountable. Help us thumb our noses at political correctness. Help us train a new generation of news reporters who will actually tell the truth. And help us remind Americans everywhere that there are millions of us who remain clear-eyed about our country's greatness.

In return for membership, Daily Caller Patriots will be able to read The Daily Caller without any of the ads that we have long used to support our mission. We know the ads drive you crazy. They drive us crazy too. But we need revenue to keep the fight going. If you join us, we will cut out the ads for you and put every Lincoln-headed cent we earn into amplifying our voice, training even more solid reporters, and giving you the ad-free experience and lightning fast website you deserve.

Patriots will also be eligible for Patriots Only content, newsletters, chats and live events with our reporters and editors. It's simple: welcome us into your lives, and we'll welcome you into ours.

We can save America together.

Become a Daily Caller Patriot today.

Signature

Neil Patel