Actually, when SS was conceived, the average lifespan was lower than the age at which the benefits kicked in. I think that paradigm should continue. The age of eligibility should be two years higher than the average lifespan.
Then they ought to stop calling it a kind of retirment system, and just call it what it is - income redistribution. If the people who have paid into SS for years, die before receiving much, if any, benefit, then it can hardly be called “social security”.
It’s just a colossal ripoff, like every other government program.