Expand Social Security. Increase payments; no cap on payments re. income -- pay into the program on ALL your earned money (including investments). ALSO, increase the survivor benefit to be at least equal to the payment of the spouse earning the highest amount each month. If the wife earns $1100 per month; the husband earns $3000 per month, when the husband passes away, the wife's payment goes to $2600 per month. That is a $1400 cut in monthly income. Pay her the $3000 the husband was paid.