S.657 - Retirement Security for American Hostages Act of 2025 (119th Congress)
Summary
The "Retirement Security for American Hostages Act of 2025" aims to amend the Social Security Act, providing retirement security to US nationals unlawfully or wrongfully detained or held hostage abroad. It introduces a new section to the Social Security Act, defining 'qualifying month' and 'qualifying individual' to determine eligibility for deemed wages. These deemed wages would be calculated based on the national average wage index, ensuring a minimum level of retirement benefit.
Expected Effects
This act will provide financial security in retirement for individuals who have suffered unlawful detention or hostage situations abroad. It will amend the Social Security Act to include a new section that defines eligibility and outlines the calculation of deemed wages for qualifying individuals. The Commissioner of Social Security will be required to promulgate regulations to implement this section within one year of enactment.
Potential Benefits
- Provides financial support to those who have experienced traumatic events.
- Ensures a minimum level of retirement income for eligible individuals.
- Acknowledges the hardships faced by US nationals held hostage or wrongfully detained abroad.
- Offers a safety net for individuals who may have missed opportunities to accrue Social Security benefits due to their captivity.
- The Act may improve the morale and well-being of those who serve the nation abroad, knowing they will be taken care of if something happens to them.
Potential Disadvantages
- Potential for increased administrative burden on the Social Security Administration.
- The cost of providing these benefits could strain the Social Security system, although the number of people affected is likely small.
- Complexity in determining eligibility and verifying periods of detention or hostage situations.
- The Act may create a perception of unequal treatment compared to other groups who have experienced hardship but are not covered by similar provisions.
- Delayed implementation, as the amendments take effect 24 months after enactment.
Most Disadvantaged Areas:
Constitutional Alignment
The bill aligns with the Constitution's broad mandate to "promote the general Welfare" (Preamble). Congress has the power to legislate regarding Social Security under the Necessary and Proper Clause (Article I, Section 8), as it relates to providing for the general welfare. The bill does not appear to infringe upon any specific constitutional rights or limitations.
Impact Assessment: Things You Care About ⓘ
This action has been evaluated across 19 key areas that matter to you. Scores range from 1 (highly disadvantageous) to 5 (highly beneficial).