John McCain says he's not sure how he'd change it, but he says the way Social Security is funded is "a disgrace."
McCain says it's unfair for young workers to pay into a system from which they're unlikely to benefit.
Because Social Security now runs a surplus, the extra money is used to pay for other government programs. But the program's trustees say in about nine years, Social Security will begin paying out more than it takes in. And by 2041, the trustees say the Social Security trust fund will be depleted unless the formula is changed.
Some Democrats criticized the remarks because McCain basically was describing how Social Security has always worked. Current retiree benefits are supplied by payroll taxes from current workers.
(Copyright 2008 by The Associated Press. All Rights Reserved.)