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Starting Social Security early typically means getting a smaller benefit for the rest of your life. The penalty is steep: Someone who applies this year at age 62 would see their monthly benefit check reduced by nearly 30%.Many Americans have little choice but to accept the diminished payments. Even before the pandemic, about half of retirees said they quit working earlier than they’d planned, often due to job loss or health issues. Some have enough retirement savings to delay claiming Social Security, but many don’t. And now, with unemployment approaching Depression-era levels, claiming early may be the best of bad options for older people who can’t find a job.But the penalty for early filing, and the bonus for delaying your application, are based on old formulas that don’t reflect gains in life expectancy, says economist Alicia Munnell, director of the Center for Retirement Research at Boston College. The result is a system that unfairly penalizes early filers, unjustly benefits late filers — and hurts lower-income people the most.“Low-income people disproportionately collect benefits at 62 and their benefits are cut too much, and high-income people disproportionately delay claiming till 70 and their benefits are increased too much,” Munnell says. “So you penalize the low-income and you benefit the high-income.”The problem started off as a solutionOriginally, Social Security had one retirement age: 65. In 1956, Congress authorized a reduced benefit for women, to allow them to retire at the same time as their typically older husbands. The reduced benefit option was extended to men in 1961.The amount of the reduction was meant to be “actuarially neutral,” so that the cost to Social Security would be the same whether those with average life expectancies claimed the smaller check earlier or the larger check later.As life expectancies rose, though, early filers wound up living with the penalty for longer. In 1956, a 65-year-old woman had an average life expectancy of 16.9 years. Today, it’s 21.6 years, Munnell says. Instead of being actuarially neutral, in other words, the current system results in early filers with average life expectancies getting less.On top of that, Social Security offers a bonus for those who can afford to wait. A 1% delayed retirement credit was introduced in 1972, and the amount was increased over the years to the current 8%. So each year you put off claiming Social Security past your full retirement age adds 8% to your payment. Full retirement age varies according to birth year and is 67 for people born in 1960 or later.Let’s say your full retirement age is 67 and your benefit, if started then, would be ,000 a month. Starting at 62 would shrink the benefit to 0, while waiting until 70 to begin would boost the amount to ,240.The longer you live, the more you can benefit from a delayed filing — and the higher your income, the longer you’re likely to live. In fact, most of the gains in life expectancy in recent years have accrued to higher-income people.Between 2001 and 2014, for example, life expectancy rose by more than two years for men and nearly three years for women with incomes in the top 5%, according to a study for the Social Security Administration. During the same period, life expectancies for those in the bottom 5% of incomes rose a little less than four months for men and about two weeks for women.How benefits could change to be fairerTo restore actuarial fairness, the penalty for early filing should be lower, Munnell says. Someone who retires at 62 instead of 67 should get 22.5% less, rather than 30% less. Similarly, the bonus for waiting should be reduced to just below 7% per year.“The way it’s set up now, people will get 124% of their full benefit if they wait till 70 and they really should only get 120%,” Munnell says.Obviously, Social Security has bigger problems. Once its trust fund is depleted, as projected in 15 years or so, the system will be able to pay only 79% of promised benefits in 2035. That proportion is estimated to drop to 73% by 2094.When Congress finally gets around to fixing the system, Munnell says, it should consider making the payouts more fair.“I think there’ll be some grand bargain on Social Security at some point because I don’t think anybody’s really going to allow benefits to be cut 25%,” Munnell says. “This [actuarial fairness] probably should be put on the agenda.”This article was written by NerdWallet and was originally published by the Associated Press.More From NerdWalletHow to Renegotiate Your Bills to Save MoneyFeeling Out of Control? These Money Moves Could HelpRenters at Risk: Ways to Cope in the Financial CrisisLiz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. 4771

Starbucks is the latest food chain to add plant-based meat options to its U.S. menus.The Seattle coffee chain said Tuesday they now offer a breakfast sandwich made with imitation sausage from Impossible Foods at a majority of its U.S. locations. The sandwich comes with egg and cheese on a ciabatta bun.Starbucks said earlier this year that it would add plant-based meat to its menus worldwide as part of an effort to reduce its environmental impact. The company has sold milk alternatives, such as soy milk and oat milk, in the U.S. and elsewhere. But the sausage is its first plant-based food item in the U.S. 619

The 6-year copyright lawsuit against English rock band Led Zeppelin over their epic ballad "Stairway to Heaven" came to an unelectrified end Monday after the Supreme Court decided not to hear the case.With the justices not listening to the case, they awarded the band a victory by default.Instead, the court opted to uphold the March ruling from the U.S. Court of Appeals in San Francisco that found the rock band did not steal the song from the band Spirit.In 2014, the estate of late Spirit guitarist Randy Wolfe filed the suit, saying Led Zeppelin stole the opening riff off Spirit's 1968 track "Taurus," according to the New York Times.In June 2016, a jury in Los Angeles decided that Led Zeppelin did not steal Spirit's riff, CBS News reported.According to the Associated Press, a three-judge panel of the 9th Circuit Court of Appeals in San Francisco ruled in Sept. 2018 that the jurors were given wrong instructions by the judge, so a new trial was ordered.In March, the 9th Circuit Court of Appeals restored a jury verdict finding the band did not steal from Spirit, Variety reported. 1100

Texas Governor Greg Abbott issued an executive order on Friday limiting certain businesses and services as part of the state’s effort to contain the spread of COVID-19.This decision comes as the number of people testing positive for COVID-19 and the number of hospitalizations have increased and the positivity rate in Texas increased above 10%, which the Governor previously stated would lead to further preventative action.“As I said from the start if the positivity rate rose above 10%, the State of Texas would take further action to mitigate the spread of COVID-19,” Governor Abbott said. “At this time, it is clear that the rise in cases is largely driven by certain types of activities, including Texans congregating in bars. The actions in this executive order are essential to our mission to swiftly contain this virus and protect public health. We want this to be as limited in duration as possible. However, we can only slow the spread if everyone in Texas does their part. Every Texan has a responsibility to themselves and their loved ones to wear a mask, wash their hands, stay six feet apart from others in public, and stay home if they can. I know that our collective action can lead to a reduction in the spread of COVID-19 because we have done it before, and we will do it again.”The targeted, measured directives in the executive order are based on links between certain types of businesses and services and the recent rise in positive cases throughout the state.The order includes the following:All bars and similar establishments that receive more than 51% of their gross receipts from the sale of alcoholic beverages are required to close at noon on Friday.These businesses may remain open for delivery and take-out, including for alcoholic beverages, as authorized by the Texas Alcoholic Beverage Commission.Restaurants may remain open for dine-in service, but at capacity not to exceed 50% of total listed indoor occupancy, beginning Monday.Rafting and tubing businesses must close.Outdoor gatherings of 100 or more people must be approved by local governments, with certain exceptions.KXXV first reported this story. 2149

Tens of millions of Americans live in food deserts, with limited access to fresh and healthy foods. And according to Feeding America, the pandemic has put millions more at risk of experiencing food insecurity.Residents in one Oakland neighborhood have a convenient grocery store for the first time in four decades, and it became even more essential during the pandemic. "It's got to be easy for them to get it, and the more effort there is and time involved in the shopping, the less fresh foods is going to be in that basket," said Brahm Ahmadi, the CEO of Community Foods Market. While he'd never owned a grocery store, Ahmadi understood what the absence of one could mean for a community."Families were disproportionately suffering from diet-related chronic diseases, diabetes, hypertension, heart disease," said Ahmadi. "And then all the residual, other negative impacts that has. For example, family members are sick, they can't work, and then income is reduced."After raising over several million dollars, Ahmadi's vision of a full-service market came to life one year ago."When the pandemic hit, I did still want to come to work because we need a store like this around," said employee Sharon Rance, who's worked at Community Foods Market since it opened."They were one of the stores that survived, they had the essential things we needed," said Eleanor, a local and regular customer. But like the big grocery store chains, the independent market was not immune to the overwhelmed supply chain."I think the whole industry was kind of caught off guard, and then we were also blown away by how difficult it was to build back having product in the store," said Ahmadi. He says changes in the industry are already happening, with manufacturers reducing the number of items they making to keep top-sellers consistently available. Ahmadi knew the market would have to step up efforts to continue serving the already economically fragile community."To help them stretch their even more limited dollars to make ends meet," said Ahmadi. With help from an emergency grant, they've been able to offer shoppers on food stamps a 50 percent discount on their entire purchase. They also began providing free delivery to seniors 65 and older.The market has never been busier. "My belief is this community deserves it, like any other neighborhood, and has the ability to support it," said Ahmadi.By fulfilling this basic human necessity, Ahmadi believes they're laying a foundation to help residents prosper in other areas. 2521

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