[lemma=benefit] [tag=","] [□] □
[lemma=benefit] [tag=","] [!□] □
[lemma=benefit] [tag=","] [□ | □] □
So you've got a lot of people living longer , getting greater benefits , with fewer people paying into the system . And so , therefore , when you have more retirees living longer for greater benefits , with fewer people paying in , the system inevitably will go into the red . You've got a lot of people retiring who are living longer who have been promised greater benefits , with fewer people paying into the system .