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Women and Social Security: Social Policy Adjusts to Social Change

Women age sixty-five and over now constitute about three fifths of the elderly population. They live longer than men and over time that longevity gap is increasing. Yet their income in later years is woefully inadequate. Poverty status is greater for elderly women than for elderly men; over half of aged women in poverty are widows. This paper describes the social security program, the cornerstone of our retirement income, and the lack of congruence of its provisions with contemporary social roles of women. It analyzes alternative proposals of two-tier, double decker and homemaker benefits, and earnings sharing, and their possible impact on women's economic status. It recommends improvements for this transition period while more basic structural reform is under discussion. Reform based on societal consensus could increase equity of treatment and adequacy of benefits for women. It is an essential prelude to consideration of long range financing needs of social security.