The way Social Security is structured, its biggest beneficiaries are those who live longest. Guess who that happens to be: wealthy retirees.

Take a look at life expectancies. According to the Brookings Institution, of people who reach age 50, women in the top 10 percent of the income spectrum live 6.4 years longer than women in the bottom 10 percent. The gap is even larger for men: 8.7 years.