Us Congress 2025-2026 Regular Session

Us Congress Senate Bill SB2716

Introduced
9/4/25  

Caption

You Earned It, You Keep It Act

Impact

The bill is expected to have widespread implications for state laws and financial policies concerning taxation and social security. By eliminating the tax on social security benefits, it may encourage greater financial security among older citizens, potentially leading to increased consumer spending. Additionally, the bill includes provisions to ensure that the Social Security trust funds remain unharmed despite the repeal, which could address concerns regarding the funding of benefits for future retirees.

Summary

Senate Bill 2716, titled the 'You Earned It, You Keep It Act', proposes significant amendments to the Internal Revenue Code, specifically targeting the treatment of social security benefits. A key aspect of the bill is its repeal of the inclusion of social security benefits in gross income, which would effectively exempt such benefits from federal income tax. This change aims to alleviate the financial burden on retirees and individuals reliant on social security, potentially leading to increased disposable income for these groups.

Contention

There remain notable points of contention surrounding SB2716. Critics argue that repealing the taxation of social security benefits primarily benefits wealthier retirees who may not need the additional financial support. This viewpoint raises concerns regarding equity and the redistributive effects of tax policy. Opponents also worry that the bill could exacerbate budgetary strains on Social Security funds, particularly if future economic conditions diminish revenue generation from other tax sources.

Companion Bills

US HB2909

Same As You Earned It, You Keep It Act

US HB904

Related No Tax on Social Security

Previously Filed As

US HB7084

You Earned It, You Keep It Act

US SB2280

Social Security 2100 Act

US HB4583

Social Security 2100 Act

US SB1174

Medicare and Social Security Fair Share Act

US SB5236

Keeping Obstetrics Local Act

US HB4535

Medicare and Social Security Fair Share Act

US SB393

Social Security Expansion Act

US HB1046

Social Security Expansion Act

US HB5953

Lower Your Taxes Act

US SB4877

Protecting and Preserving Social Security Act

Similar Bills

US HB7084

You Earned It, You Keep It Act

US HB2909

You Earned It, You Keep It Act

US SB5422

Retirement Fairness Act

US SB1581

Universal Savings Account Act of 2025

US HB3407

Money Accounts for Growth and Advancement Act

US HB3186

Universal Savings Account Act of 2025

US HB7293

Automatic IRA Act of 2024

US HB9394

HOPE Act of 2024 Health Out-of-Pocket Expense Act of 2024