The Bill – SSIRA

What Is SSIRA?

The Social Security Independence and Reform Act of 2025 (SSIRA) replaces the broken pay-as-you-go retirement system with a permanently solvent, investment-based trust fund called the SSIF.

Fully funded by tax contributions, not federal debt
8% annual investment return goal, 4% withdrawal cap
100% of final 10-year average income as benefit
Private healthcare coverage post-solvency
Independent trust governance with public audit

This page contains the full legislative language of the SSIRA bill. Each section may be expanded below.

Section 1: Short Title and Purpose

(a) This Act may be cited as the "Social Security Independence and Reform Act of 2025" or "SSIRA."

(b) The purpose of this Act is to permanently replace the existing pay-as-you-go Social Security system with an investment-based model to ensure lifetime solvency, transparency, and independence from political interference.

(c) The SSIRA system shall serve only those who pay into it. All benefits are earned through direct contribution, and eligibility shall not be expanded without full funding and voter referendum.

Note: This version reflects the final draft submitted April 4, 2025. Future revisions may occur if adopted by Congress.

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