Gene Steuerle testifies on alternative ways to restore solvency and undertake benefit reforms in Social Security, concentrating on four: restricting automatic growth in benefits where needs are least, adjusting benefits so they both encourage employment and are concentrated more in older ages, removing many sources of inequity and inefficiency that penalize beneficiaries, and reforming private pensions so they better protect the majority of workers who today end up with little in the way of private retirement benefits.