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How to file for disability, Filing for SSI
Disability Requirements, Disability Status
How long is the wait?, Disability Application
The Social Security List of Impairments
Qualifying for Disability, Mental Disability
Disability Lawyer Info, Disability Back Pay

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.








Essential Questions

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Can you work while getting or applying for Disability?

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What kind of Mental Problems Qualify for Disability?

Receiving a Disability Award Letter

Conditions Social Security will recognize as a disability

Previously answered questions regarding SSD and SSI

Applying for disability in your state



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These pages answer some of the most basic questions for individuals who are considering filing a claim.

Can you get temporary Social Security Disability or SSI benefits?

Permanent Social Security Disability

What is the difference between Social Security Disability and SSI?

Who is eligible for SSI disability?

Can I Be Eligible For SSI And Social Security Disability At The Same Time?

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Applying for Disability - How long does it take to get Social Security Disability or SSI benefits?

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For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former caseworker and former disability claims examiner, Tim Moore, who was interviewed by the New York Times on the topic of Social Security Disability and SSI benefits in an article entitled "The Disability Mess" and also by the Los Angeles Times on the subject of political attempts to weaken the Social Security Disability system.

The goal of the site is to provide information about how Social Security Disability and SSI work, the idea being that qualified information may help claimants pursue their claims and appeals, potentially avoiding time-consuming mistakes. If you find the information on this site helpful and believe it would be helpful to others, feel free to share links to its homepage or other pages on website resource pages, blogs, or social media. Copying of this material, however, is prohibited.

To learn more about the author, please visit the SSDRC.com homepage and view the "about this site" link near the bottom of the page.