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Was File-and-Suspend a Loophole? A column called Why recent Social Security changes make sense by Alicia Munnell, director of Boston College Center for Retirement Research,  argues that the recent changes to Social Security are a move in the right direction.  "Social Security—the backbone of our retirement system—isn’t supposed to be a complicated program where those 'in the know' get a much better deal than the average guy," writes Munnell. "Now the rules are clear, and people will get their intended benefit. The program will also save billions of dollars." Meanwhile, a column called Why recent changes in Social Security are unfair by William Reichenstein, Powers Professor at Baylor University and head of research at socialsecuritysolutions.com, maintains that instead of closing a loophole, the changes are essentially a "further movement of Social Security toward an income-redistribution program."  As a society, he says that "we should decide whether Social Security should primarily be an income-redistribution program or primarily a required-savings program. That would strongly influence the types of changes we should consider."  --The Wall Street Journal

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