Social Security Guarantee Act of 2025

The Social Security Guarantee Act of 2025 would require the Treasury Secretary to issue a legally binding "benefit guarantee certificate" to every Social Security beneficiary. These certificates would guarantee the exact monthly benefit amount an individual is entitled to under current law and ensure annual cost-of-living adjustments (COLAs) are accurately calculated based on the individual's personal cost-of-living increase. The certificates would represent a federal obligation to pay these guaranteed benefits, with adjustments automatically applied as required by existing Social Security rules. This bill directly affects all current and future Social Security beneficiaries by providing a concrete, enforceable guarantee of their benefit amounts and COLAs.