3. We closed loopholes that endangered Social Security. A very small number of people — perhaps less than one-tenth of 1 percent of all Social Security recipients nationwide — took advantage of so-called file-and-suspend claiming strategies to increase their take. It was all perfectly legal but wasn’t doing anyone (other than the tiny fraction of recipients employing these strategies) any good. As a result, these loopholes — and the unnecessary drain on the Social Security system they created — have been closed.
Of course, some people like loopholes. For example, certain outfits that had been selling software intended to instruct people how to exploit these (now closed) loopholes are making noise and pointing fingers — but, hey, it’s a free country.