There is no money, at all, in the SS trust fund. The congress decided LONG AGO to buy government bonds with that money - putting the actual cash into general funds. When the govt. cashes in those bonds, guess where the money is gonna come from to pay it?
You have swallowed the SS kool-aid hook, line and sinker, haven't you?
I own a company that pays the medical claims of over 20,000 people in and around this country. I'm telling you, smokers and fat people simply cost more earlier; not in total. Again, people get sick, stay sick, spend a ton of money in the last 2 months to 3 years of their lives, then die. My dad paid into SS his entire working life, the "Max" - because he earned over the threshold. He smoked, never took a sick day; got cancer at 60 and died before he collected a dime of Social Security, or filed a single Medicare claim. Mom got $250 bucks from SSA when he kicked. Govt. made out like a bandit.
Mom, on the other hand, is healthy, doesn't smoke, but takes numerous maintenance drugs (hormone therapy, Allergy, etc....nothing for blood pressure or cholesterol, but, somehow, docs have signed her up for about 12 she takes daily). She also worked long enough to get the max SS benefits. She's gonna collect, beginning in two years (@67), +- $1,300 per month for the rest of her life - and that will increase via COLA'S. HER mother is currently 87 and going strong, and her grandmother lived to 100. My mom is going to be collecting those dollars, probably, for a long time (knocks on wood). Additionally, her non-smoking, non-obese, works out three times a week self, is going to start collecting Medicare in October; and Medicare is going to begin picking up the charges for those drugs, as well for the doctor's visits necessary to prescribe them. Then, AFTER ALL OF THAT, as she gets really old, she's gonna get something that requires an ICU, possibly Ho e, who knows; but it'll most likely be at least as expensive as the 2 months of cancer treatment dad got before he died.
That particular healthy non-smoker is gonna cost a whole lot more than the smoker.