<p>特朗普總統在競選中提出了幾項税收變更，包括取消小費、加班費和社會保障福利的税收。他的税收和支出立法被稱為 “宏偉美麗的法案”，確實實現了前兩項承諾。</p>
<p>然而，該法案並沒有取消社會保障福利的税收，而是為收入低於某些閾值的老年人提供了一項新的税收減免。這將為一些社會保障受益人提供緩解，但遠未完全消除福利税。</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>圖片來源：Getty Images。</p>
<p>有一些合理的原因導致這一點被排除。最重要的是，社會保障目前正面臨赤字，並預計在十年內將完全耗盡儲備。因此，在沒有采取其他措施來抵消影響的情況下，取消其主要資金來源可能不是最佳選擇。</p>
<p>最近一位參議員提出了一項法案，完全取消社會保障福利的税收，但還將進行另一項變更以幫助支付這項費用。以下是詳細信息，以及新法案是否有現實機會被簽署為法律的分析。</p>
<h2>你賺了，就歸你</h2>
<p>這項名為 “你賺了，就歸你法案” 的法案由亞利桑那州民主黨參議員魯本·加列戈（Ruben Gallego）提出，明尼蘇達州民主黨眾議員安吉·克雷格（Angie Craig）在眾議院提出了一項配套法案。它將做出的主要變更是永久取消對社會保障福利的聯邦税收。</p>
<p>顯然，這在政治光譜的兩側都很受歡迎。如前所述，這是特朗普總統的競選承諾，而取消該税收的新法案是由一位民主黨參議員提出的。</p>
<p>根據現行法律，綜合收入（調整後總收入（AGI）加上免税利息和一半的社會保障福利）達到 25,000 美元或以上的社會保障受益人可能需要為其福利支付税款。</p>
<h2>這裏有個問題</h2>
<p>民主黨和共和黨在這個問題上的分歧在於如何為此支付費用。“你賺了，就歸你法案” 將創建一個額外的社會保障工資税税率，要求僱主和員工在超過 250,000 美元的收入上支付 6.2% 的税。因此，社會保障工資税將如下所示：</p>
<ul>
<li>2025 年，收入在 176,100 美元以下的勞動收入適用 6.2% 的税率（這是現行法律）。僱主和員工都需支付此税，自僱人士需支付兩項税，總税率為 12.4%。</li>
<li>收入在 176,100 美元以上且低於 250,000 美元的部分不需繳納社會保障工資税。</li>
<li>收入超過 250,000 美元的部分將與較低税率相同，仍為 6.2% 的工資税率，由僱主和員工共同支付，自僱人士支付 12.4%。</li>
</ul>
<h2>一項_重大_變更</h2>
<p>這一變更將對社會保障計劃產生很大好處。它不僅將為取消社會保障福利的税收提供資金，還將把社會保障的償付能力從 2034 年延長到 2058 年——在儲備耗盡之前再增加 24 年。</p>
<p>然而，這一變更在政治上不太可能受到歡迎，尤其是在右派。共和黨立法者通常不支持以任何形式提高社會保障税，傾向於通過減少福利（例如提高完全退休年齡）來解決問題。</p>
<p>然而，由 AARP 資助的一項調查發現，85% 的美國人——包括大多數共和黨人和民主黨人——支持對部分或所有美國人增税，以確保社會保障能夠在未來繼續支付福利。雖然尚不清楚該法案是否會獲得顯著支持，但它可能比看起來更有機會。</p>

<p>一項新法案，“你賺的錢，你自己保留法案”，由參議員魯本·加列戈和眾議員安吉·克雷格提出，旨在永久取消對社會保障福利的聯邦税。為了資助這一變化，該法案提議對超過 250,000 美元的收入徵收新的工資税。這可能將社會保障的償付能力從 2034 年延長至 2058 年。儘管在公眾中頗受歡迎，尤其是 85% 的人支持通過增税來維持社會保障，但它面臨政治挑戰，特別是來自更傾向於削減福利而非增税的共和黨立法者</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>特朗普總統在競選中提出了幾項税收變更，包括取消小費、加班費和社會保障福利的税收。他的税收和支出立法被稱為 “宏偉美麗的法案”，確實實現了前兩項承諾。</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，該法案並沒有取消社會保障福利的税收，而是為收入低於某些閾值的老年人提供了一項新的税收減免。這將為一些社會保障受益人提供緩解，但遠未完全消除福利税。</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>圖片來源：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>有一些合理的原因導致這一點被排除。最重要的是，社會保障目前正面臨赤字，並預計在十年內將完全耗盡儲備。因此，在沒有采取其他措施來抵消影響的情況下，取消其主要資金來源可能不是最佳選擇。</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>最近一位參議員提出了一項法案，完全取消社會保障福利的税收，但還將進行另一項變更以幫助支付這項費用。以下是詳細信息，以及新法案是否有現實機會被簽署為法律的分析。</p>
</div><h2>You earn it, you keep it</h2>
<div class="lb-trans"><h2>你賺了，就歸你</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>這項名為 “你賺了，就歸你法案” 的法案由亞利桑那州民主黨參議員魯本·加列戈（Ruben Gallego）提出，明尼蘇達州民主黨眾議員安吉·克雷格（Angie Craig）在眾議院提出了一項配套法案。它將做出的主要變更是永久取消對社會保障福利的聯邦税收。</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>顯然，這在政治光譜的兩側都很受歡迎。如前所述，這是特朗普總統的競選承諾，而取消該税收的新法案是由一位民主黨參議員提出的。</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>根據現行法律，綜合收入（調整後總收入（AGI）加上免税利息和一半的社會保障福利）達到 25,000 美元或以上的社會保障受益人可能需要為其福利支付税款。</p>
</div><h2>Here's the catch</h2>
<div class="lb-trans"><h2>這裏有個問題</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>民主黨和共和黨在這個問題上的分歧在於如何為此支付費用。“你賺了，就歸你法案” 將創建一個額外的社會保障工資税税率，要求僱主和員工在超過 250,000 美元的收入上支付 6.2% 的税。因此，社會保障工資税將如下所示：</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 美元以下的勞動收入適用 6.2% 的税率（這是現行法律）。僱主和員工都需支付此税，自僱人士需支付兩項税，總税率為 12.4%。</li>
<li>收入在 176,100 美元以上且低於 250,000 美元的部分不需繳納社會保障工資税。</li>
<li>收入超過 250,000 美元的部分將與較低税率相同，仍為 6.2% 的工資税率，由僱主和員工共同支付，自僱人士支付 12.4%。</li>
</ul>
</div><h2>A <em>big</em> change</h2>
<div class="lb-trans"><h2>一項_重大_變更</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>這一變更將對社會保障計劃產生很大好處。它不僅將為取消社會保障福利的税收提供資金，還將把社會保障的償付能力從 2034 年延長到 2058 年——在儲備耗盡之前再增加 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，這一變更在政治上不太可能受到歡迎，尤其是在右派。共和黨立法者通常不支持以任何形式提高社會保障税，傾向於通過減少福利（例如提高完全退休年齡）來解決問題。</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 資助的一項調查發現，85% 的美國人——包括大多數共和黨人和民主黨人——支持對部分或所有美國人增税，以確保社會保障能夠在未來繼續支付福利。雖然尚不清楚該法案是否會獲得顯著支持，但它可能比看起來更有機會。</p>
</div>

一項新的法案將永久取消對社會保障的税收——這項法案有通過的可能嗎？