; or (ii) is not eligible to participate in any such plan or arrangement established by the business that employs the employee; or (B) an independent contractor who— (i) is self-employed; and (ii) has not established an existing retirement plan, and does not have an individual retirement plan (as defined in section 7701(a)(37) of the Internal Revenue Code of 1986) with an automatic enrollment payroll deduction arrangement. 3. Relationship to Social Security Except as otherwise provided in this Act, the funds payable under the Fund to participants and former participants are in addition to the benefits payable under the Social Security Act ( 42 U.S.C. 301 et seq. ). 4. Government benefits The funds owned by an individual in an account and any contribution made to such funds by a participant or the Secretary of the Treasury shall not be taken into consideration when determining the individual’s eligibility for any Federal public assistance benefit. I The American Worker Retirement Plan 101. The American Worker Retirement Fund (a) Establishment There is established in the Treasury of the United States the American Worker Retirement Fund. (b) Purposes The Fund shall consist of the sum of all amounts contributed under sections 105 and 301, increased by the total net earnings from investments of the sums in the Fund or reduced by the total net losses from investments of the Fund, and reduced by the total amount of payments made from the Fund (including payments for administrative expenses under subsection (e)). (c) Investment The sums in the Fund shall remain available without fiscal year limitation— (1) to invest pursuant to section 102; (2) to pay the administrative expenses of the Fund under subsection (e); (3) to make distributions as provided in section 106; (4) to make loans as authorized under section 106(h)