Law & Society

What Would Social Security’s Insolvency Do to Old-Age Benefits?

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Social Security benefits would not drop to $0, but they would be cut by 23 percent unless Congress acts

This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

In 2033, the Old-Age and Survivors Insurance Trust Fund will run out of money to pay old-age Social Security benefits. At that point, tax revenues will still be enough to pay 77 percent of monthly checks. But there will be a substantial benefits cut unless Congress takes action. If and when Congress sees fit to act, it will have to choose between higher payroll taxes on the top 6 percent or reforms that make lower-income retirees substantially worse off.

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Curtailing Need-Based Scholarships for College in the Land of Opportunity

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What the proposed cutbacks to Pell Grants would mean

This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

In the One Big Beautiful Bill Act, the House of Representatives voted to cut college scholarships for students from lower-income families. Other provisions in the bill would scale back health insurance benefits and food assistance for many of those same households. The fact that these reductions would pay for tax cuts for the wealthy has not been lost on Americans with opinions on the bill, who oppose it 2 to 1.

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Is the Proposed Hike to the Child Tax Credit What It’s Cracked Up to Be?

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This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

In my last two columns, I blasted the House of Representatives for voting to throw millions of people off of health insurance in the One Big Beautiful Bill Act, which is now pending in the Senate. As it is, half of American households live on less than a living wage, as I discuss in my new book Sharing Risk: The Path to Economic Well-being for All. And that’s with layers of social safety nets, ranging from subsidized health insurance and Food Stamps to student loan protections. The One Big Beautiful Bill Act would unravel these safety nets all at once, even though millions of working families depend on them to make ends meet.

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NTIA Streamlines BEAD Program, But Risks Further Delays

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This guest post by BC Law Professor and Associate Dean of Academic Affairs Daniel Lyons first appeared in the AEIdeas Blog.

On June 6, the National Telecommunications & Information Administration (NTIA) issued its long-awaited overhaul of the $42.45 billion Broadband Equity, Access, and Deployment (BEAD) program. This new policy notice repeals many administrative burdens imposed by Biden-era NTIA oversight and aligns the program more closely with Congress’s original intent. This revised guidance promises to enhance broadband deployment by increasing flexibility and reducing costs to taxpayers. But it also risks further delays in a program already criticized for its sluggish rollout—and in the meantime, private enterprise is closing many of the coverage gaps BEAD sought to address.

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Tick Tock . . . The Clock Is Running Out on Enhanced Premium Subsidies for Obamacare

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This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

Today, financial pressures are a real sore point for ordinary Americans, now that half of U.S. households lack enough income to live on. For earners in the bottom half, homeownership is increasingly unattainable, retirement savings are scant, and college education usually means going into debt. Their wages have been stagnant and their jobs are insecure. Many live lives of quiet financial desperation.

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How Congress Could Shoot Itself in the Foot

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This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

Millions of American families live in an economic sweat box, with heavy financial risks but not enough money to pay for basic living needs. Chief among those risks are high medical bills, as my new book, Sharing Risk: The Path to Economic Well-Being for All discusses. In fact, health care costs so much that over half of all U.S. adults ran up debt due to medical or dental bills between 2017 and 2022. Many of them couldn’t pay for medical care otherwise. A disturbing number went bankrupt or lost their homes due to late medical bills. Others put off needed medical care to avoid running up debt.

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Exploring the Possibility of Being Wrong: A Method to Loving Thy Peer

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ACKNOWLEDGING HUMANITY’S FALLIBILITY

Within the legal realm, doubt about the possibility of being wrong is not merely a practical concern but an ontological one. Reasonable doubt, a foundational concept in criminal trials, reflects the level of skepticism a trier of fact must maintain before rendering a guilty verdict. At its core, the principle acknowledges humanity’s fallibility, the recognition that our judgments are, by nature, imperfect. We, as humans, are sometimes right and sometimes wrong, and the balance between the two is often shaped by individual perception. In recognition of this fallibility, the legal system embeds procedural safeguards such as appellate review, immigration bond redetermination, and the writ of habeas corpus, all designed to guard against our innate capacity for error. 

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The Struggling Majority

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This post has been republished from Professor Patricia McCoy’s Substack. Her new book, “Sharing Risk: The Path to Economic Well-Being for All,” is available from The University of California Press.

A few years ago, I was doing research as a law professor at Boston College, and I stumbled across this disturbing fact: more than half of American households do not have enough income every month to pay their basic expenses. We’re not talking about small luxuries like dining out, going to the movies, or streaming services either. Instead, these families do not even have enough money to pay for their bare-bones essentials every month, including food, housing, and clothing. They are constantly juggling bills and robbing Peter to pay Paul. They cannot get ahead.

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The House Should Act Quickly to Repeal the Illegal, Expensive E-Rate Expansion

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This guest post by BC Law Professor and Associate Dean of Academic Affairs Daniel Lyons first appeared in the AEIdeas Blog.

Earlier this month, the Senate passed S.J.Res.7. The resolution, sponsored by Senator Ted Cruz, would repeal a Biden-era Federal Communications Commission (FCC) rule allowing E-Rate funds to subsidize Wi-Fi hotspot lending programs for off-campus use. This well-intentioned but misguided rule violates clear statutory limits on agency power and threatens an increasingly unstable Universal Service Fund (USF). The House should follow the Senate’s lead to revoke this initiative before the estimated June 4 deadline for congressional action.

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A Message to My Students: ‘Fight for Our Democracy’

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This post is an edited version of Professor Kent Greenfield’s final lecture to this spring’s first-year constitutional law class. It was originally published in WBUR’s Cognoscenti.

Today completes my 30th year teaching law. You’ve been wonderful this semester. Thank you.

But It has been a difficult time to teach constitutional law, and it must have been a difficult time to learn it. We are in a dangerous moment.

How do we make sense of the law right now? Of our profession?

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