Description: I propose a Social Security deferral product and two annuity enhancements. Then I address the challenges in getting such products distributed.

Description: This paper describes an actuarial model that was developed to answer the question of whether employees are projected to get their money's worth out of participating in the Society Security system, determined by comparing the expected present value of benefits to projected value of taxes. This question is discussed with reference to 1. a single worker, 2. a married worker with a non working spouse and 3. a two-wage-earner family.