Before long, the last of the United States’ 76 million baby boomers will turn 67, and the proportion of Americans who claim Social Security benefits will reach historic highs. It’s no surprise that millions of millennials and Gen Zers think that the program will probably run out of money before they retire.

Despite a lack of public support, conservative think tanks are using this environment to continue to push for cuts to the Social Security program. These reforms are generally described as increases to the retirement age, but they don’t actually change the age at which people can retire; they just cut benefit levels at all eligible Social Security retirement ages.

Underlying most efforts to slash benefits is the claim that the program is facing “insolvency.” This is a scary word that is neither technically accurate nor effective at getting people to understand the real challenges Social Security faces.