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But, as described below, we believe that a key component of the retirement security solution is that Congress, the Administration, employers, and employees come together to consider ways to create a growing and robust defined benefit plan fwi system. Social Security. Social Security was generally designed to provide working Americans (and spouses) with a base level of retirement income. But fwi Social Security alone does not provide Americans with adequate levels of retirement income. Enhancing Social Security benefits fwi for all Americans is one way to provide more Americans with greater retirement income, but given the significant challenges currently confronting the system - particularly the combination of the system's unfunded status and the rapidly approaching demographic crisis - we do not expect that Social Security will contribute to closing the retirement security gap. Nevertheless, it is also important to recognize that Social Security is the only (or nearly the only) source of retirement income for many Americans - people without steady employment, some employees of small companies, people who spent their lump sums and/or chose not to save for retirement, and many elderly widows and divorced women.
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