Contact Congress about H.R. 1046: Social Security Expansion Act

Social Security checks would go up for many retirees, disabled workers, and families. The bill would help pay for that by taxing wages over $250,000 and raising a tax on investment and some business income.

Modern Action explains what the legislation does, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.

Social Security Expansion Act is a House bill in Congress.

Who this affects: This bill mainly affects people who receive Social Security and people with higher incomes. Retirees, disabled workers, survivors, and some children could get higher or longer benefits. Long-time low-wage workers could get a stronger floor under their monthly checks. Higher earners and some people with investment or business income could pay more in taxes.

Why this matters: This bill could put more money in monthly Social Security checks for people who depend on them. It could matter most for older adults, disabled workers, survivors, and long-time workers who earned low wages. It would also ask higher-income households and some business owners to pay more in taxes. The long-term effect on Social Security’s finances would depend on future wages, markets, and how fast benefits grow.

Key provisions in H.R. 1046

• Social Security checks would rise under the main benefit formula. The bill raises the first rate from 90% to 95%, raises a key earnings amount by 22% for people newly eligible after 2023, and recalculates current benefits starting January 1, 2024.
• Social Security yearly benefit increases would use the Consumer Price Index for Elderly Consumers, or CPI-E. That change starts only after the index has been published and two years have passed after the bill becomes law.
• Long-time workers with low wages could get a higher minimum benefit. Workers need more than 10 years of covered work, and the amount rises from 11 to 30 years of work, reaching 125% of the federal poverty guideline at 30 or more years.
• Some children of disabled or deceased workers could keep benefits until age 22 if they are full-time students at approved schools. The bill also sets rules for school breaks and finishing a program, and it makes similar changes for Railroad Retirement Act benefits.
• Wages above $250,000 would face Social Security payroll tax again. The regular yearly wage cap would still exist, and the bill adds rules for successor employers and similar changes for railroad taxes.

How Modern Action helps you take action on H.R. 1046

You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.

Questions people ask about H.R. 1046

What is H.R. 1046?

Social Security checks would go up for many retirees, disabled workers, and families. The bill would help pay for that by taxing wages over $250,000 and raising a tax on investment and some business income.

How do I support or oppose H.R. 1046?

Choose support, oppose, or ask for changes on Modern Action. The action flow drafts the message for you and keeps the wording tied to this bill.

Who should I contact about H.R. 1046?

Modern Action uses your location to route the action to the congressional offices relevant to the bill and your representation.

How does Modern Action help me act on H.R. 1046?

Modern Action gives you bill-specific context, lets you choose support, opposition, or changes, and drafts a message from your position and reasons.