The Social Security Game

Today we have a guest post from Tyler Chance, a doctoral student and instructor at University of Missouri-St. Louis. He can be reached at  trc6df [at] mail [dot] umsl [dot] edu.

social-security-cardsSocial Security and its financial problems is one important policy issue that is probably not on the minds of most U.S. college students. The Social Security Game ( ), created by the American Academy of Actuaries, is a fun activity that I use to teach my students about policy choices. The game’s goal is simple: fix Social Security so that Americans can receive retiree benefits after the year 2034. You can choose to reduce benefits, increase revenues, or apply a combination of both.  The game provides quick videos that explain the different viewpoints behind each policy alternative. After each decision you make the game uses estimates from the Social Security Office of the Chief Actuary to calculate how close you are to fixing the problem.

I like to use the game in my Introduction to American Government course, as well as in my Congressional Politics course, but it has wider applications. When I teach Introduction to American Government, the game demonstrates why paying attention to this policy issue is important and how it can be messy and hard to fix. I first have the class vote on whether we should reduce benefits or increase revenues. From there we vote on subcategories; for instance, if we voted to reduce benefits, we would then need to choose from a range of options provided by the game, such as increasing the full retirement age, reducing Cost-of-Living-Adjustments, and lowering benefits for future high-income retirees. A class in which students have diverse political ideologies quickly illustrates just how complicated the Social Security reform can become.

When I teach Congressional Politics, the game functions as a mock legislature. In this project, I play the role of a newly-elected president acting on a mandate to reform Social Security. I assign each student a specific legislator and have them research their stance on the issue and the demographics of their constituency (or you can provide students with that information on index cards).  I then encourage the students to work through the game with their constituencies in my mind.  So far, solving the problem of Social Security has been close to impossible for my classes, which allows me to show institutionalized gridlock and constituent-based constraints in practice.

The game can also be effective as an individual homework assignment. Have the students play the game and share experiences. Were they able to solve the problem? What route did they take—benefit reductions, increased revenues, or a mix of the two? Why did they choose a particular strategy?

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