By Jennifer Benson, AARP Massachusetts State Director
Social Security, the lifeline for tens of millions of Americans—including 1.3 million in Massachusetts—turns 90 this next month. For nearly a century, it has helped people afford housing, groceries, gas, and other essentials. As we get set to mark this milestone, we should look to the future and ways to strengthen the program so it can continue to support future generations.
Social Security is the foundation of retirement in America. Since President Franklin D. Roosevelt signed the Social Security Act on August 14, 1935, the program has grown from Ida M. Fuller’s first monthly check of $22.54 (about $518 today) to providing $1.4 trillion in retirement security annually. It remains the only inflation-adjusted retirement program, offering Americans a reliable way to plan for the future.
In Massachusetts, more than a million (1.29 million) residents receive Social Security benefits, and many are lifted out of poverty each month. The program supports retirees, people with disabilities, and families who have lost loved ones—helping them live with dignity and stability.
Despite persistent myths, Social Security is not “going broke.” It’s a pay-as-you-go system, funded by payroll taxes. As long as people work and contribute, benefits will continue. However, the latest Trustees’ Report warns that the program’s surplus will run out by 2035. If Congress doesn’t act, future beneficiaries could see reduced payments. Lawmakers must come together—just as they did in 1983—to ensure Americans receive the full benefits they’ve earned.
Another pressing issue is customer service. The Social Security Administration (SSA) has faced years of underfunding and staffing shortages, leading to long wait times, unresolved issues, and frustration for millions. In 2025, these problems have only worsened, just as 10,000 Americans retire each day.
SSA needs to recommit to delivering timely, effective service. That includes improving communication, addressing staffing gaps, and ensuring people can access the help they need. Congress also has a role to play by providing oversight and ensuring the agency is equipped to serve the public.
At AARP, we’ve worked with every administration and Congress—regardless of party—to protect and strengthen Social Security. More than 67 million Americans rely on it today. As we celebrate 90 years of this essential program, we must ensure it remains strong—not just for today’s retirees, but for generations to come.
AARP can help you better understand Social Security at aarp.org/socialsecurity. You can find clear answers on how Social Security works and how your benefits are calculated. Get expert advice on maximizing your monthly check, filing a disability claim and pursuing your rights as a divorced spouse or survivor. You can find free webinars and watch on demand. In the recorded webinars, experts will offer guidance to help you avoid making decisions that could potentially cost you money.
AARP knows that you work hard and pay into Social Security, so it’s only fair for you to expect to get the money you’ve earned. Social Security is your money—you earned it through a lifetime of hard work.
Jennifer Benson is the State Director for AARP Massachusetts.
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