How financially sound is Social Security? Can today’s millennials — tomorrow’s seniors — depend on it to help cushion their golden years when they reach retirement in three of four decades?

There’s reason for concern. The federal Old-Age, Survivors, and Disability Insurance (OASDI) program, the formal name for Social Security’s two trust funds, will not be able fully cover income benefits for seniors after 2035.

That’s because OASDI program costs are growing faster than non-interest income. And this trend will continue through 2037, when the last of the baby boomers retire.

How to keep Social Security fully funded? As the infographic from MoneyTips below shows, Congress can consider several solutions, including raising payroll taxes, cutting benefits for everyone or only for those not yet receiving benefits.

Related:

22 Social Security facts you (and your clients) should know

Social Security: 5 tips for clients post-file and suspend