Give Americans the choice to receive their Social Security payments and SS Disability in one lump sum.

Pay Social Security and SS Disability in lump sum option. At 65 SS would get paid for 20 years of payouts minus 30%. If they lose the money they will still get the 30% in monthly payouts. If they die before the 20 years the remaining money goes back to Social Security.
SS Disability would pay a 20 year lump sum at 55 yrs of age. same rules apply 20 years of mo. payouts less 30%. Example: If person gets $1000 per month in SSDI take the $12,000 per year X 20 years = $240,000 less 30% = $168,000 payout. If person loses all money he could receive the 30% in monthly payouts as reg SS. If person invests the money and makes $500,000 SS gets the $168,000 returned at death. Heirs the rest This would save Social Security by costing a minimum of 30% less and probably more since money is returned.