Betty Bowden, 65, a retired state employee from Virginia Beach, is one of those who said Congress should not delay fixing Social Security.
"I think we should start very soon to make changes. We're spending too much money and not getting in enough money," she said. "Increase the age of eligibility and cap the amount that wealthier people get."
To make sure Medicare is available for future retirees, 63 percent of respondents said a balanced approach of benefit and revenue changes will be required.
"Medicare will have to be changed because there's just not enough money," said Lorraine Bratton, 73, of Roanoke, a retired clerical supervisor at a utility company.
Asked about Medicare's biggest challenge, 36 percent said the rising cost of health care.
The responses were collected at AARP Virginia You've Earned a Say events, on a website and from questionnaires in the AARP Bulletin.
The surveys' results were presented to congressional candidates, and will be the basis for informing AARP advocacy next year as policymakers consider the programs' future.
Avoid hasty decisions
Peter Goldin, AARP Virginia associate director for advocacy, said Virginians recognize that changes are necessary, but they don't want hasty decisions to be made.
"They want something that will be sustained for future generations. They want to make sure any deal brokered is fair for those who are paying into the system now and those who are currently relying on Social Security and Medicare for retirement," he said.
When the new Congress convenes this month, it will face a number of options: an increase in the amount of income subject to the payroll tax that finances most of Social Security and some Medicare benefits; an increase in the eligibility age for both programs; a curb on cost-of-living increases for Social Security recipients; and higher Medicare premiums for higher-income enrollees.
The survey found that 65 percent of respondents said Social Security benefits should be improved, but not before the program is financially stabilized. In addition, 59 percent said everyone should get the Social Security benefits they have earned, including upper-income workers.
On Medicare, 78 percent said all future retirees should continue to get the same guaranteed coverage as beneficiaries do now, while 22 percent said beneficiaries should get a set amount of money to purchase private insurance.
Judi Hasson is a writer living in McLean,Va.