Major changes to Social Security set to take effect this fall and into 2026 could drastically reshape the nation’s retirement safety net — and experts warn that African Americans and other historically marginalized groups stand to suffer the most.

Some of the Trump administration’s changes affect the working-class, women, minorities and seniors. Reforms include raising the full retirement age to 67 for those born in 1960 or later, eliminating paper checks for benefit payments, tightening eligibility for disability coverage, and altering how benefits are taxed.

Analysts and civil rights scholars say the changes compound decades of systemic inequities built into America’s “crown jewel” welfare program.

In “The Color of Social Security: Race and Unequal Protection in the Crown Jewel of the

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