Safeguarding American Families and Expanding Social Security Act of 2025

Key Provisions

• Requires Social Security cost-of-living increases to use a new Consumer Price Index for Elderly Consumers (CPI-E) starting in late 2026.
• Recomputes primary Social Security benefit amounts for current beneficiaries whose benefits started before January 2026, effective that month.
• Temporarily taxes a portion of wages and self-employment income above the Social Security contribution and benefit base from 2026 to 2029.
• Increases the first percentage factor in the Social Security benefit formula from 90 percent to 95 percent for future beneficiaries after 2030.
• Adds 5 percent of earnings above the contribution and benefit base to the Social Security benefit calculation for future beneficiaries after 2030.