Opposes privatization and does not see a looming crisis for the existing system. She has ruled out benefit cuts and a higher retirement age. It is unclear where she stands on raising the income level subject to SSI. Clinton says economic prosperity on par with that of the 1990s and a return to federal budget surpluses should keep the system solvent. Would cretae an American Retirement Account, with a tax credit of up to $1000 a year to match an individual’s personal savings.

Supports boosting social security funds through the establishment of individual retirement accounts; introduced a plan in 2000 in which workers would have the option of investing at least 20% of their Social Security payroll taxes in private accounts.

Opposes privatization and would protect and strengthen coverage of existing system. Favors lifting cap on payroll tax, "potentially exempting middle-class folks, but making sure that the wealthy are paying more of their fair share." Favors automatic 401 (k) and IRA enrollment for workers and expanding the Savers Tax Credit. Would also protect private pension plans by forcing companies to properly fund them and avoid taxpayer bailouts.