WASHINGTON -- Senate Republicans are considering temporarily sidetracking President Bush's plan for personal investment accounts under Social Security, hoping Democrats will then join compromise talks on legislation to restore the program's solvency.
Several GOP officials said Republican leaders discussed the possibility privately this week, recognizing that unified Democratic opposition to the accounts has stalled efforts to advance Bush's top domestic priority.
At the same time, these officials said GOP leaders were wary of leaving the impression that they intend to abandon the president's proposal to allow younger workers to invest a portion of their payroll taxes independently.
In the end, leaders remain determined to deliver what Bush wants, they added.
''The attempt . . . has always been to find Democrats to come on board with a bipartisan plan, and what has been stopping this is the issue of personal accounts," said an official familiar with the deliberations.
Any shift in tactics has the potential to embolden Democratic critics who say Bush's proposal would privatize Social Security and lead to benefit cuts and a large increase in the national debt.
At the same time, it could undercut the current 60-day campaign by the White House to build public support for the president's approach.
White House spokesman Trent Duffy stopped well short of endorsing the move.
Bush ''wants to save Social Security permanently and give future workers personal accounts and a better retirement," Duffy said. ''He welcomes any activity that moves us in that direction."
A spokeswoman for Senate minority leader Harry Reid, Democrat of Nevada, declined to comment.
Reid has said numerous times that he is willing to seek bipartisan legislation on Social Security once Bush abandons his call for personal accounts.
Republican officials said senior Senate GOP legislators had discussed at least two approaches, without a clear decision on how to proceed.
One involved quietly acquiescing in an effort by one of several senators with an interest in Social Security to see whether they could attract Democratic support for a bill that addressed the program's solvency problems but omitted personal accounts.
The other involved sanctioning an effort by Senator Charles Grassley, chairman of the Senate Finance Committee, to see whether Democrats on the panel would be willing to join in talks.
One difficulty with the first option is that it bypasses the committee that has begun preliminary work on the issue and has jurisdiction over the program.
The difficulty with tapping the committee is political, according to one official, who said it would clearly associate Republicans with a bill that jettisoned, however temporarily, the centerpiece of Bush's plan.
Grassley, Republican of Iowa, has said he intends to hold hearings this month and present legislation to the committee this summer. He said from his home state this week that while Democrats are united against personal accounts, he thinks several are willing to discuss the outlines of a bill to make Social Security solvent.
Numerous proposals have been floated to address the program's long-term funding problems, including extending the payroll tax beyond the current limit of $90,000 in income, raising the retirement age, or reducing benefits for future retirees.
In a telephone news conference on Wednesday, Grassley said a proposal by Senator Robert Bennett, Republican of Utah, has been discussed.
It involves reducing guaranteed benefit levels for some future retirees, based on the income they earned over their careers. There would be no reduction for future retirees in the bottom 30 percent of wage earners, and current beneficiaries would be unaffected.
In the House, majority Republicans also are proceeding with caution on the issue, concerned about possible political repercussions in the 2006 elections.
Representative Roy Blunt of Missouri, the GOP whip, declined this week to set a timetable for action, although he said the leadership is committed to passing legislation this year.
Bush urged Congress in January to approve legislation that would make Social Security permanently solvent and include an option for younger workers to set aside a portion of their payroll taxes for personal investment.
In exchange, all workers younger than 55 would receive lower benefits than they are now guaranteed under the law. Workers who opt for personal accounts would face a deeper cut, on the assumption that their individual investments would make up the difference.
Bush and other supporters of these accounts say they could lead to a more robust return on investments for millions of workers and allow them to build retirement nest eggs.
To support their call for an overhaul of the program, they cite forecasts that without action, the Social Security trust funds would be depleted in 2041 and all benefits would be cut.