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Before everyone gets an immediate aversion to this, have a look at the australian superannuatkon system. It requires employers to contribute 12% (from july 1st, has ramped up over time) to a similar style account for every employee.
The idea is that eceryone has a pension and over time there is less need for social security. The problem is, of course that the current workers pay taxes to support social security they will never get. However, many western countries have obkigations they wont be able to meet for an aging population when everyone keeps voring for lower taxes.
Its not perfect, but its not completely unreqsonabke either. The first workers to have it for most of theor career are now reriring. Many, quite comfortably. It was quite a shock for me when i went the usa and see older people at walmart and mcdonalds working, as they needed to.
Here, they volunteer at community organisations if they wish to be active in that way. They golf, or fish or travel if they dont. They certainly dont do wage slave jobs to pay the bills and ger medicine.