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Congress·In Committee·H.R. 3517

Rep. Moore Introduces the Social Security Enhancement and Protection Act of 2025

Social Security Enhancement and Protection Act of 2025

10 months ago·View on Congress.gov

Legislative Progress

House
Senate
President
Law

Key Points

  • The bill raises the minimum Social Security benefit for lifetime low earners, tying it to the federal poverty guideline. Workers with 30+ years get 100% of the poverty line, while those with fewer years get a proportional share. It also credits up to 5 years of caring for a child under 6 toward work history.
  • Long-term beneficiaries who have been eligible for 16+ years would receive a gradual increase in monthly benefits, reaching a full 5% boost after 20 years. This targets older retirees whose benefits may have lost purchasing power over time.

    From policy text

    “the full increase amount determined under this subparagraph for a calendar year in connection with the monthly insurance benefit of a qualified beneficiary is a dollar amount equal to 5 percent of the amount of the benefit”
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  • Children of retired, disabled, or deceased workers could continue receiving Social Security benefits up to age 26 if they are full-time students at a post-secondary school, up from the current age limit of 19. This extends support during the college and vocational training years.

    From policy text

    “was a full-time post-secondary school student and had not attained the age of 26”
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  • To fund these changes, the bill gradually eliminates the payroll tax cap on earnings above the current contribution and benefit base over 10 years (2026-2035), so that eventually all wages are subject to Social Security taxes. It also raises the OASDI tax rate from 6.2% to 6.5% for employees and employers by 2031.

    From policy text

    “In addition to other taxes, there is hereby imposed on the income of every individual a tax equal to the applicable percentage of the wages (as defined in section 3121(a)) received by him with respect to employment”
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  • A new, lower "bend point" of 3% would apply to earnings above the contribution and benefit base, meaning high earners who pay more in would receive some additional benefits — but at a much lower rate of return than typical earners.

    From policy text

    “3 percent of the individual's average indexed monthly earnings to the extent that such earnings exceed the amount established for purposes of clause (iii)”
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  • Any extra Social Security benefits resulting from this law would not count as income or resources for purposes of other federal or state means-tested programs, protecting beneficiaries from losing eligibility for programs like Medicaid or SNAP.

    From policy text

    “Any increase in monthly insurance benefits under title II of the Social Security Act as a result of the amendments made by this Act shall not be regarded as income or resources for any month after December 2025, for purposes of determining the eligibility of the recipient”
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Economy FinanceTaxesEducation

Impact Analysis

Personal Impact

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones2 actions
May 20, 2025House

Referred to the House Committee on Ways and Means.

May 20, 2025

Introduced in House

Source Information

Document Type

Congressional Bill

Official Title

Social Security Enhancement and Protection Act of 2025

Bill NumberHR 3517
Congress119th Congress
ChamberHouse of Representatives
Latest ActionReferred to the House Committee on Ways and Means.

Sponsor

Analysis generated by AI. Always verify with official sources.