James Devine writes:

>> Insurance programs are transfer programs. If I have a fire, the fire
>> insurance company pays me by transferring money from all the folks who
>> pay premia who don't have fires.
>>
>> Similarly, the SS system is insurance against poverty in one's old age,
>> disability, and survivorship.

If SS is insurance against poverty in old age, how come people who are not in 
poverty in old age receive SS?

David Shemano

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