WASHINGTON — The financial condition of the government’s bedrock retirement programs for middle- and working-class Americans remains shaky, with Medicare pointed toward insolvency by 2026, according to a report Monday by the government’s overseers of Medicare and Social Security.

It paints a sobering picture of the programs, though it’s relatively unchanged from last year’s update. Social Security would become insolvent in 2035, one year later than previously estimated.

Both programs will need to eventually be addressed to avert automatic cuts should their trust funds run dry. Neither President Donald Trump nor Capitol Hill’s warring factions has put political perilous cost curbs on their to-do list.

The report is the latest update of the government’s troubled fiscal picture. It lands in a capital that has proved chronically unable to address it. Trump has declared benefit cuts to the nation’s signature retirement programs off limits and many Democratic presidential candidates are calling for expanding Medicare benefits rather than addressing the program’s worsening finances.

Many on both sides actually agree that it would be better for Washington to act sooner rather than later to shore up the programs rather than wait until they are on the brink of insolvency and have to weigh more drastic steps.

Limiting her comments to Medicare, White House press secretary Sarah Sanders said the report highlights the need for “serious-minded” lawmakers to work with the administration on bipartisan changes to lower costs, eliminate fraud and abuse, and preserve the program for future generations.

Sanders also took the opportunity to criticize Democrats’ calls to expand Medicare. She claimed such a step would amount to a “total government takeover of health care” that would cut out private-sector options, endanger access to health care for seniors and further strain the federal budget.

But potential cuts such as curbing inflationary increases for Social Security, hiking payroll taxes or raising the Medicare retirement age are so politically freighted and toxic that Washington’s power players are mostly ignoring the problem.