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ough social security benefits are theoretically the property of the individuals contributing to the retirement trust funds, the Congress, at the behest of the Administrations, has devised a way to insure that the owners of the trust funds will not receive full benefit, should they have the temerity to continue to work for money. A

private insurer, of course, would be subject to severe judicial action for similar behavior.

Those opposed to the earnings test applied to those individuals eligible to receive social security pension benefits argue that the application of the earnings test to social security pension benefits acts as a significant disincentive to work, for most of those individuals eligible to receive such benefits. In turn, this disincentive to work not only penalizes most individuals aged 62 and older in the society, it also penalizes the rest of society, and it likely works against one of the government's objectives in the application of the earnings testmaintaining the fiscal integrity of the social s

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