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Attempts by Congress to cut Social Security Disability
Future attempts by Congress to boost employer-sponsored private disability insurance may not be such a great idea, particularly if, in so doing, the attempt is made to either cut Social Security Disability benefits or simply not rescue the fund which, like Social Security retirement, is headed for future shortfalls. Cuts in the neighborhood of 20 percent-plus for Social Security retirement are projected to become a reality by approximately 2034 (two years after I have started drawing my own Social Security retirement).
According to the GAO, the goverment accounting office, some individuals have proposed expanding employer-provided PDI, or private disability insurance, and GAO was asked to conduct an analysis to determine if this expansion might result in savings to the disability insurance fund, a.k.a. Social Security Disability.
Here are a few things that stand out--
1. SSDI, or Social Security Disability Insurance, covers 96 percent of workers while employer sponsored disability insurance is available to only 33 percent of workers.
2. Private disability insurance tends to be more routinely offered to people who work only in certain jobs and industries (business management and finance, respectively, to use a couple examples).
Here's something else that stands out: the review of both SSDI and private disability insurance sponsored by employees found "...some PDI policies may pay benefits for medical conditions that SSDI would not. However, these PDI policies may time limit payments for mental health and musculoskeletal disorders, while SSDI does not."
Private disability insurance is NOT the same as SSDI. Private disability insurance is provided by for-profit companies that have every incentive to minimize costs (i.e. benefits) and get people off their payment rosters asap, however possible. SSDI and SSI claims are subject to review, but for a person to lose their benefits it must be shown that they have had medical improvement. Private disability insurance simply puts a time limit on how long benefits can be drawn in many cases. Private disability insurance, in other words, is not even remotely a safety-net program for individuals who worked and are now disabled. Profit incentive has more than a little to do with that. Which is why the Social Security and Social Security Disability systems should never fall prey to any sort of privatization.
The danger, of course, would come to pass if bolstering private disability insurance was used as a smokescreen to allow for effective cutbacks in SSD under the guise of trying to come up with savings to Social Security Disability. Given how Congress often operates, that would not be surprising in the least. Sort of like tax cuts for the rich that are supposed to trickle down...but never do.
Social Security Disability and SSI Resource Center
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Social Security Disability Requirements
Social Security Disability list of impairments
Social Security Disability Application
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How much income can you earn on Social Security disability?
If you get denied at a disability hearing, can you win later?
How much can an attorney charge for Social Security disability?
Can you get approved for disability based on Ulcerative Colitis?
The Most Basic questions about Getting Disability Benefits
Social Security Disability SSI and whether or not you can work
Common Mistakes to avoid after being denied for Disability
Social Security Disability SSI Questions and Answers
More Social Security Disability SSI Questions and Answers
Common Questions about Social Security Disability and SSI
Winning Social Security Disability or SSI Benefits
The SSI Disability Benefits Program
Medical exams for disability claims
Applying for Disability in various states
Social Security Disability SSI and Doctors - Yours and Theirs
Social Security Disability and SSI Claim Reviews
Social Security Disability SSI System and Benefits for Children
Denials, Appeals, and Getting a Disability Lawyer or Representative
What you should know about Social Security Disability and SSI Denials
Questions about Disability Lawyers and Hiring a Disability Attorney
Frequently asked questions about getting Denied for Disability Benefits
FAQ on Disability Claim Representation
Disability hearings before Judges
Selecting and hiring Disability Lawyers
Various Types of Benefits including SSI, Mental, and Child benefits
Social Security and SSI based on Mental Disability
Social Security Disability or SSI Benefits for Children
Disability Benefits through Social Security
Filing for Social Security Disability or SSI Benefits
Social Security Disability SSI: Medical Evidence and Records
Filing your claim for disability benefits
Eligibility for receiving disability benefits
Info about Social Security Disability Approvals and Being Approved
FAQ on Social Security Disability SSI decisions
The SSD SSI Decision Process and what gets taken into consideration
Resources on this site
Social Security Disability, SSI Terms and Definitions
Previously answered questions regarding SSD and SSI
About the Author of SSDRC, Tim Moore
For Individuals living in North Carolina
Applying for Disability in North Carolina
North Carolina Disability Lawyer
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How long do you have to be out of work to get disability benefits?
Can disability be denied because of not enough doctor visits?
Can I get Social Security disability off my spouse’s record?
Do I need an attorney to get disability?
Getting the Status of your Disability Hearing Request
Will I be sent to my own doctor for a disability examination for SSD or SSI?
Disability Judges and getting information for your disability claim decision
What do I do after being denied disability?
Can I receive temporary SSI disability benefits?
When should I have doctor complete a statement for my disability case?
Is Chronic Fatigue considered a disability by Social Security?
How to get an SSDI reconsideration appeal approved