Social Security Disability Insurance

June 5, 2015

Social Security Disability for Federal Employees

Across the nation in large cities like Boston, there are large numbers of federal workers. One of the advantages to being a federal worker is, of course, the benefits available to all employees. These benefits often involve cheaper access to better health insurance plans and access to federal retirement programs.

While the days of full federal pension are essentially over, federal employees still have a variety of good options for employee-funded retirement programs with federal government matching available. However, in some ways, being a federal employee is more complicated than working in the private sector.

A recent article from Fed Smith, a publication of interest to federal workers, or “Feds” as they are often called, discusses one complication for disabled federal workers who are looking to retire or stop working as a result of their disability. These issues involve how federal disability retirement programs work in relation to Social Security Administration (SSA) run Social Security Disability Insurance (SSDI) benefits.
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May 30, 2015

Senate Democrats Propose Social Security Funds to Thwart Disability Program Crisis

by Jeffrey S. Glassman

With GOP representatives and presidential hopefuls looking for ways to cut funding to the program, Senate Democrats are trying a different approach. Many Democrats believe the answer to our impending to Social Security Disability Fund crisis is to simply combine its budget with the Social Security retirement fund.

There are two separate funds administered by the United States Social Security Administration (SSA). First, there is the Social Security retirement fund with which most people are familiar, and then there is the Social Security disability fund. The disability fund provides money for Social Security Disability Insurance (SSDI) benefits and Supplemental Security Income (SSI) benefits. Since the two funds operate programs that serve different functions, under current law, they must be separately maintained.
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May 26, 2015

Social Security Disability Claimant Pleaded Guilty to Bomb Threat

by Jeffrey S. Glassman

Apply for Social Security Disability Insurance (SSDI) is a daunting task for any unrepresented claimant. There is nothing more frustrating than suffering from a severe disability that will not allow you to work and take care of yourself and your family. With medical bills piling up, seemingly arbitrary denials and reductions in already existing benefits can push that level of frustration even higher.

While there is no excuse for this kind of allegedly illegal conduct, this level of frustration was so high in one Florida man that he allegedly called in a bomb threat to his local Social Security Administration (SSA) office after the agency reduced his much-needed disability benefits.

According to a recent news article from the News Herald, a man just pleaded guilty to making a bomb threat on the office. Authorities say 36-year-old defendant pleaded guilty to the charge of giving false information in connection with a threat on the SSA office. Prosecutors say he admitted he was trying to intimidate agency employees after he disagreed with the amount of his monthly benefits check.
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May 23, 2015

ALS and Social Security Disability Benefits

by Jeffrey S. Glassman

May is national ALS awareness month, so it seems appropriate to discuss the serious disease and how it works in terms of a Social Security Disability Insurance (SSDI) benefits claim. According to a recent article from NTV News, ALS, formally known as Amyotrophic Lateral Sclerosis, and informally referred to as Lou Gehrig’s Disease, after the famous baseball player who was stricken with ALS, is included on Social Security Administration’s (SSA) Compassionate Allowances List.
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May 19, 2015

Senator Rand Paul Asks for Help on Social Security Disability Budget Issue

by Jeffrey S. Glassman

With GOP presidential candidates trying to get ahead in the polls and eventually attain the party’s nomination, many are trying to shape themselves as fiscal hawks, to use the term favored by many cable news pundits.

One of the main ways to seem like a fiscal hawk is to speak out about how Congress needs to get rid of “entitlements” in this country. Unfortunately, the Social Security Disability Insurance (SSDI) program falls into the category of entitlements, as defined by those who want to get rid of the system.
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May 16, 2015

Online Social Security Disability Insurance (SSDI) Appeals

by Jeffrey S. Glassman

In our computer age, we can do more and more things online and with our smartphones. Whether it is paying for Red Sox tickets and using our phone to scan in at the stadium, or making dinner reservations, the Internet and mobile technology are making our lives more convenient in many ways.
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May 14, 2015

Why is the Social Security Disability Program Under Attack?

by Jeffrey S. Glassman

As we get closer to the upcoming presidential election, it is likely we will continue to hear more about the upcoming budget crisis facing the Social Security Disability Fund. The problem is quite simple. The Social Security Administration (SSA) operates two main programs and manages two funds for the respective program.

There is the Social Security retirement fund, which was designed to provide funds for Americans who are too old to continue working, or those who wish to finally retire, and there is the Social Security disability program designed for those who cannot work due to a disability.
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May 10, 2015

Suggestions From People Living With a Disability

by Jeffrey S. Glassman

In terms of the number of people living with a disability who are receiving Social Security disability benefits, there are over 9 million Americans who fit into this category. However, there are far more disabled Americans who are in the process of applying for Social Security Disability Insurance (SSDI) benefits, Supplemental Security Income (SSI) benefits, or who are fortunate enough to have family support or a private disability insurance policy.

In addition to the financial issues persons with disabilities face, there are also many other difficulties and discomfort often made worse by people who have nothing but the best intentions. According to a recent news feature from The Washington Post, a group of people with disabilities has formed a Reddit thread to discuss what it feels like to have a disability and how they wish others would treat them.

While some of these requests may seem surprising, it is not hard to see how people are negatively affected by what seemed helpful. First, users wanted everyone to know they do not wish to be told they are an inspiration to others. Commenters said, as they did not ask the universe to make them disabled, they do not want to be praised for it either. They would rather be treated for their actions, not simply existing, and engaging in normal activities as people without disabilities do on a regular basis.
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May 6, 2015

Psychological Illness and Social Security Disability Insurance Benefits

by Jeffrey S. Glassman

While most people think of physical disabilities in the context of Social Security Disability benefits, a sizable number are incapacitated as a result of psychological illness.

According to a recent news report from Medical News, the Institute of Medicine is calling for use of standardized psychological testing protocols for claimants applying for Social Security Disability Insurance benefits. It has been suggested these standardized methods will improve accuracy of claim determinations relating to mental health issues.

However, those who favor this approach tend to believe it would save the United States Social Security Administration money, because it would reduce the number of people receiving Social Security disability benefits for reasons of mental illness. This, of course, assumes there are many people who claim to have severe mental health issues and cannot work who are essentially faking their illness to avoid working, or “malingering,” to use a term favored by SSA. It should be noted, the organization behind this initiative believes further study would be necessary to see how standardized psychological testing methods would affect the number of Americans claiming disability, but the organization’s report includes methodology for determining the financial impact of standardized testing protocols.

These standardized testing methods are what is known as a validity testing and would be used in conjunction with standard psychological diagnostic tools already used by most mental health professionals. Proponents also claim validity tests can be used to see how much effort a claimant is putting into the process of performing tests, or if they are trying not to do well on cognitive ability assessment exercises.
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May 2, 2015

A Call to Eliminate the Income Cap on Social Security Disability Insurance Program

by Jeffrey S. Glassman

According to a recent Letter to the Editor in the Asbury Park Press, one Hurricane Sandy survivor and Social Security Disability Insurance (SSDI) benefits recipient makes a call to lift the income cap from the program funding tax.

As the author describes, he and his wife, both retired, had saved for years and created a sound financial plan. However, they never planned for anything like Hurricane Sandy. After having to spend most of their savings to rebuild their home, they would have not been able to survive without Social Security Disability Insurance benefits.

He describes SDDI as one of the most successful programs ever created by the United States government, but it is in trouble with respect to future spending cuts. He also claims anyone calling disability benefits an entitlement program is not telling the truth, as it is a program every worker pays into for the duration of their working life, so they can receive benefits should they ever become disabled. However, as this author was having his entire paycheck taxed, that is not true for other people who make more money.

There is a cap of $118,500, meaning everyone pays taxes on their first $118,500 of income toward Social Security Disability Insurance. Any money earned in addition to the cap is not subject to SSDI taxation. For most people who earn less than the cap, their entire wage is subject to taxation. For a person earning millions of dollars each year, only a very small portion of their income is subject to taxes to fund the SSDI program.
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