Quote:
Originally Posted by Craig
No, it's not fair; big deal. I would probably never collect a dime if it was means tested. Honestly, I won't need the money and I don't really want to "milk the system" just because I can. I think of my contribution as additional tax that I will never recover. Fortunately the contribution is only on the first part of income, so it's really a regressive tax that mostly affects the people who are most likely to collect. I assume the rules will change before I ever reach my eligibility age and that I will get nothing.
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It isn't so much a case of whether you need the money or not. You paid into it based on the promise that it will pay back later. With that, it is your right to claim it. It isn't fair for you to tell me one thing today and later on change the terms of the agreement. It would be like your bank promising you 5% for your CD and when the economy took a turn, tell you "Sorry Jackass. You lose. 1% only. Nope, you can't take it out now and you have to wait for the term to expire. You lose. Sucks to be you.".