As the baby boom generation gets closer to retirement, the debate over Social Security reform becomes more urgent. Unfortunately, policymakers remain fixated on individual accounts and other ways for the system to accumulate more savings. This narrow focus ignores an equally important, if not more important, challenge--how to address the needs of those who have been left out as demographics and work habits have changed the structure of the American family. In this book, budget experts and social scientists examine the history of family benefits in Social Security and show how changes in the retired population have affected the nature of these benefits and their ability to serve the elderly. They examine the current structure of spousal and survivors benefits and evaluate a variety of reform proposals--including individual accounts--that could improve the living standards of the neediest Social Security beneficiaries. It is essential analysis for anyone concerned about the future of America's most successful social program. Read Less