<p>特朗普总统在竞选中提出了几项税收变更，包括取消小费、加班费和社会保障福利的税收。他的税收和支出立法被称为 “宏伟美丽的法案”，确实实现了前两项承诺。</p>
<p>然而，该法案并没有取消社会保障福利的税收，而是为收入低于某些阈值的老年人提供了一项新的税收减免。这将为一些社会保障受益人提供缓解，但远未完全消除福利税。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzIzOTgvc29jaWFsLXNlY3VyaXR5LTIwMjIuanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzIzOTgvc29jaWFsLXNlY3VyaXR5LTIwMjIuanBnJnc9NzAw"/></p>
<p>图片来源：Getty Images。</p>
<p>有一些合理的原因导致这一点被排除。最重要的是，社会保障目前正面临赤字，并预计在十年内将完全耗尽储备。因此，在没有采取其他措施来抵消影响的情况下，取消其主要资金来源可能不是最佳选择。</p>
<p>最近一位参议员提出了一项法案，完全取消社会保障福利的税收，但还将进行另一项变更以帮助支付这项费用。以下是详细信息，以及新法案是否有现实机会被签署为法律的分析。</p>
<h2>你赚了，就归你</h2>
<p>这项名为 “你赚了，就归你法案” 的法案由亚利桑那州民主党参议员鲁本·加列戈（Ruben Gallego）提出，明尼苏达州民主党众议员安吉·克雷格（Angie Craig）在众议院提出了一项配套法案。它将做出的主要变更是永久取消对社会保障福利的联邦税收。</p>
<p>显然，这在政治光谱的两侧都很受欢迎。如前所述，这是特朗普总统的竞选承诺，而取消该税收的新法案是由一位民主党参议员提出的。</p>
<p>根据现行法律，综合收入（调整后总收入（AGI）加上免税利息和一半的社会保障福利）达到 25,000 美元或以上的社会保障受益人可能需要为其福利支付税款。</p>
<h2>这里有个问题</h2>
<p>民主党和共和党在这个问题上的分歧在于如何为此支付费用。“你赚了，就归你法案” 将创建一个额外的社会保障工资税税率，要求雇主和员工在超过 250,000 美元的收入上支付 6.2% 的税。因此，社会保障工资税将如下所示：</p>
<ul>
<li>2025 年，收入在 176,100 美元以下的劳动收入适用 6.2% 的税率（这是现行法律）。雇主和员工都需支付此税，自雇人士需支付两项税，总税率为 12.4%。</li>
<li>收入在 176,100 美元以上且低于 250,000 美元的部分不需缴纳社会保障工资税。</li>
<li>收入超过 250,000 美元的部分将与较低税率相同，仍为 6.2% 的工资税率，由雇主和员工共同支付，自雇人士支付 12.4%。</li>
</ul>
<h2>一项_重大_变更</h2>
<p>这一变更将对社会保障计划产生很大好处。它不仅将为取消社会保障福利的税收提供资金，还将把社会保障的偿付能力从 2034 年延长到 2058 年——在储备耗尽之前再增加 24 年。</p>
<p>然而，这一变更在政治上不太可能受到欢迎，尤其是在右派。共和党立法者通常不支持以任何形式提高社会保障税，倾向于通过减少福利（例如提高完全退休年龄）来解决问题。</p>
<p>然而，由 AARP 资助的一项调查发现，85% 的美国人——包括大多数共和党人和民主党人——支持对部分或所有美国人增税，以确保社会保障能够在未来继续支付福利。虽然尚不清楚该法案是否会获得显著支持，但它可能比看起来更有机会。</p>

<p>一项新法案，“你赚的钱，你自己保留法案”，由参议员鲁本·加列戈和众议员安吉·克雷格提出，旨在永久取消对社会保障福利的联邦税。为了资助这一变化，该法案提议对超过 250,000 美元的收入征收新的工资税。这可能将社会保障的偿付能力从 2034 年延长至 2058 年。尽管在公众中颇受欢迎，尤其是 85% 的人支持通过增税来维持社会保障，但它面临政治挑战，特别是来自更倾向于削减福利而非增税的共和党立法者</p>

<p>President Trump campaigned on several tax changes, including the elimination of taxes on tips, overtime, and Social Security benefits. His tax and spending legislation, which is called the &#34;big, beautiful bill,&#34; certainly delivered on the first two.</p>
<div class="lb-trans"><p>特朗普总统在竞选中提出了几项税收变更，包括取消小费、加班费和社会保障福利的税收。他的税收和支出立法被称为 “宏伟美丽的法案”，确实实现了前两项承诺。</p>
</div><p>However, instead of eliminating taxes on Social Security benefits, the bill included a new tax deduction for senior citizens with income below certain thresholds. This will provide relief to some Social Security recipients but is far from a complete elimination of taxes on benefits.</p>
<div class="lb-trans"><p>然而，该法案并没有取消社会保障福利的税收，而是为收入低于某些阈值的老年人提供了一项新的税收减免。这将为一些社会保障受益人提供缓解，但远未完全消除福利税。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzIzOTgvc29jaWFsLXNlY3VyaXR5LTIwMjIuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F832398%2Fsocial-security-2022.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><p>There are some good reasons why this was left out. Most significant is that Social Security is currently running a deficit and expected to run out of reserves altogether within a decade. So it might not be the best move to eliminate one of its major funding sources without making other changes to counteract the effects.</p>
<div class="lb-trans"><p>有一些合理的原因导致这一点被排除。最重要的是，社会保障目前正面临赤字，并预计在十年内将完全耗尽储备。因此，在没有采取其他措施来抵消影响的情况下，取消其主要资金来源可能不是最佳选择。</p>
</div><p>One Senator recently introduced a bill that would eliminate taxes on Social Security benefits entirely but would also make one other change to help pay for it. Below are the details, as well as a look at whether the new bill has a realistic chance of being signed into law.</p>
<div class="lb-trans"><p>最近一位参议员提出了一项法案，完全取消社会保障福利的税收，但还将进行另一项变更以帮助支付这项费用。以下是详细信息，以及新法案是否有现实机会被签署为法律的分析。</p>
</div><h2>You earn it, you keep it</h2>
<div class="lb-trans"><h2>你赚了，就归你</h2>
</div><p>The bill, which is called the &#34;You Earn It, You Keep It Act,&#34; was introduced by Sen. Ruben Gallego (D-Ariz.), and Rep. Angie Craig (D-Minn.) introduced a companion bill in the House of Representatives. The major change it would make is the permanent elimination of federal taxes on Social Security benefits.</p>
<div class="lb-trans"><p>这项名为 “你赚了，就归你法案” 的法案由亚利桑那州民主党参议员鲁本·加列戈（Ruben Gallego）提出，明尼苏达州民主党众议员安吉·克雷格（Angie Craig）在众议院提出了一项配套法案。它将做出的主要变更是永久取消对社会保障福利的联邦税收。</p>
</div><p>Clearly, this is popular on both sides of the political spectrum. As mentioned, it was a campaign promise of President Trump, and the new bill to eliminate it was introduced by a Democratic senator.</p>
<div class="lb-trans"><p>显然，这在政治光谱的两侧都很受欢迎。如前所述，这是特朗普总统的竞选承诺，而取消该税收的新法案是由一位民主党参议员提出的。</p>
</div><p>Under current law, Social Security beneficiaries with combined income (adjusted gross income (AGI) plus tax-exempt interest and half of Social Security benefits) of $25,000 or more may have to pay taxes on their benefits.</p>
<div class="lb-trans"><p>根据现行法律，综合收入（调整后总收入（AGI）加上免税利息和一半的社会保障福利）达到 25,000 美元或以上的社会保障受益人可能需要为其福利支付税款。</p>
</div><h2>Here's the catch</h2>
<div class="lb-trans"><h2>这里有个问题</h2>
</div><p>Where Democrats and Republicans differ on this issue is how to pay for it. The &#34;You Earn It, You Keep It Act&#34; would create an additional Social Security payroll tax bracket that would require the 6.2% tax to be paid by both employers and employees on income in excess of $250,000. So the Social Security payroll tax would look like this:</p>
<div class="lb-trans"><p>民主党和共和党在这个问题上的分歧在于如何为此支付费用。“你赚了，就归你法案” 将创建一个额外的社会保障工资税税率，要求雇主和员工在超过 250,000 美元的收入上支付 6.2% 的税。因此，社会保障工资税将如下所示：</p>
</div><ul>
<li>6.2% on earned income up to $176,100 in 2025 (this is the current law). Both employers and employees pay this tax, and self-employed individuals pay both taxes, a total rate of 12.4%.</li>
<li>Income greater than $176,100 and less than $250,000 wouldn't be subject to Social Security payroll tax.</li>
<li>Income greater than $250,000 would have the same 6.2% payroll tax rate as the lower bracket, again paid by both employers and employees, with self-employed individuals paying 12.4%.</li>
</ul>
<div class="lb-trans"><ul>
<li>2025 年，收入在 176,100 美元以下的劳动收入适用 6.2% 的税率（这是现行法律）。雇主和员工都需支付此税，自雇人士需支付两项税，总税率为 12.4%。</li>
<li>收入在 176,100 美元以上且低于 250,000 美元的部分不需缴纳社会保障工资税。</li>
<li>收入超过 250,000 美元的部分将与较低税率相同，仍为 6.2% 的工资税率，由雇主和员工共同支付，自雇人士支付 12.4%。</li>
</ul>
</div><h2>A <em>big</em> change</h2>
<div class="lb-trans"><h2>一项_重大_变更</h2>
</div><p>This change would do a lot of good for the Social Security program. Not only would it pay for the elimination of taxes on Social Security benefits, but it would also extend Social Security's solvency from 2034 to 2058 -- giving an additional 24 years before the reserves would run out.</p>
<div class="lb-trans"><p>这一变更将对社会保障计划产生很大好处。它不仅将为取消社会保障福利的税收提供资金，还将把社会保障的偿付能力从 2034 年延长到 2058 年——在储备耗尽之前再增加 24 年。</p>
</div><p>This isn't likely to be a politically popular change, especially on the right. Republican lawmakers generally aren't in favor of raising Social Security taxes in any form and prefer to tackle the problem with benefit reductions (such as raising the full retirement age).</p>
<div class="lb-trans"><p>然而，这一变更在政治上不太可能受到欢迎，尤其是在右派。共和党立法者通常不支持以任何形式提高社会保障税，倾向于通过减少福利（例如提高完全退休年龄）来解决问题。</p>
</div><p>However, a survey funded by the AARP found that 85% of Americans -- including majorities of both Republicans and Democrats -- would be in favor of raising taxes on some or all Americans if it meant that Social Security would be able to keep paying benefits in the future. While it remains to be seen whether the bill will gain any significant traction, it might have more of a chance than it seems.</p>
<div class="lb-trans"><p>然而，由 AARP 资助的一项调查发现，85% 的美国人——包括大多数共和党人和民主党人——支持对部分或所有美国人增税，以确保社会保障能够在未来继续支付福利。虽然尚不清楚该法案是否会获得显著支持，但它可能比看起来更有机会。</p>
</div>

一项新的法案将永久取消对社会保障的税收——这项法案有通过的可能吗？