The annual survey linked in the article gives me the impression that this comes down to a lack of understanding about how social security works and what we can expect from it. Apart from addressing the actual issues with the system itself, we also need to ensure people are properly educated on it.

I know the common suggestion is better financial education in schools - although the likelihood of it sticking long term seems low to me - but that would have a greater impact if resources were also more readily available to adults. Financial advisors were mentioned in the survey as becoming more popular with younger workers - perhaps we'd see better success with a combination of school instruction as well as access to resources/advisors via HR benefits?