Life expectancy

Social security benefits are weighted toward lower income people. For example three people all age 62 retire earning, $30,000, $60,000 and $90,000 respectfully. The first gets $790 per month, the second gets $1,154 per month and the third gets $1,519 per month. The first retires at 31.6% of salary, the second at 23.1% of salary and the third 20.2% of salary. In addition there is the factor of life expectancy which strongly favors White females (WF) over Black males (BM). A WF and a BM both retire at age 62 and both receive $1,154 per month. The WF lives to age 84 and receives $305,000 while the BM lives to age 77 and receives $207,000. The longest live expectancy goes to Hispanic females who live to age 88 and would receive $360,000.