Congress can vote to transfer funds from the retirement pot to the disability pot. They have done that in the past. SSA's actuaries predicted this 'shortfall' years ago. Congress would have to vote on it. Talking to a paralegal would do nothing. A lawyer could do nothing.

I predict Congress will act the way they usually do - make a bunch of headlines and sound bites, create a large amount of unease, argue with each other, thump their chests, and in the end, vote to move money from one pot to another.

Now none of that helps the long term solvency and whether our children or grandchildren get the same deal that current beneficiaries are getting since this is unsustainable in the long term.