Shut up and PAY. At some point the gov. will raise the age for the full benefit. The tax will also rise for everyone. Those that are collecting will still be paid with a COLA every year. The boomers are retiring at a rate of 10,000 a day. They will get their money as they paid into it all their life. Illegals will start to collect too. I think the minimum amount of time to work is 40 quarters. Many illegals already qualify. The qualifying amount of work time to collect may be increased. 20 years sounds good to me. Embrace the tax and diminishing returns for YOU. Pay up and shut up. I bank my check. Thank you.