Comment from grumet, larry, interested party

You are making a decision that is based on media articles and outdated information. There are many more thousands of social security recipients who could use this change for a better life then are doing it because their financial planner said to. If you are so concerned about the "free loan", make any recipient pay a reasonable interest rate on the money and not be able to take a tax deduction for the payment. Furthermore, if you are going to make this change, it should be at some date in the future, not immediately. I believe that governmental employees are not covered by social security, so you are making changes for many thousands of people and you are not affected by this change. How about a "level playing field", not one with inherrant bias. I repeat, make the change take effect at some date in the future: 6 months, 12 months, but not retroactively.