scholarly journals The Postretirement Well-Being of Workers With Disabilities

2018 ◽  
Vol 30 (1) ◽  
pp. 46-55 ◽  
Author(s):  
April Yanyuan Wu ◽  
Jody Schimmel Hyde
Keyword(s):  
Social Security ◽  
Older Workers ◽  
Well Being ◽  
Vulnerable Groups ◽  
Retirement Age ◽  
Social Security Administration ◽  
Retirement Benefits ◽  
The Social ◽  
Social Security Disability ◽  
Better Than

Older workers who develop significant limitations in health or functioning face declines in income and consumption and an increased likelihood of poverty in the years prior to retirement. We assess the extent to which those differences persist after reaching retirement age. We use the Health and Retirement Study (HRS) linked to Social Security Administration (SSA) records to compare the postretirement financial well-being of workers who experienced disability onset during their working years with those who did not, based on their claiming behavior for Social Security disability and retirement benefits. We find that even after full retirement age, gaps that emerged prior to retirement persist; those who experienced disability prior to retirement had lower incomes, were more likely to be in poverty, and had significantly lower wealth. Workers with disabilities who claimed Social Security Disability Insurance (DI) fared better than those who were rejected for such benefits, yet both groups were worse off than those who delayed claiming benefits until they were eligible for Social Security Old Age and Survivors Insurance (OASI) benefits. Our findings indicate that any changes to the Social Security benefit structure must be mindful of the short- and longer term implications for already-vulnerable groups of workers.

How the COVID-19 pandemic could reduce near-retirees' Social Security benefits

2020 ◽  
Vol 20 (1) ◽  
pp. 1-8
Author(s):  
Andrew G. Biggs
Keyword(s):  
Social Security ◽  
Disability Insurance ◽  
Economic Downturn ◽  
Social Security Benefit ◽  
Social Security Administration ◽  
Retirement Benefits ◽  
Middle Income ◽  
The Social ◽  
Social Security Disability ◽  
Social Security Benefits

AbstractA quirk in the Social Security benefit formula interacting with the sharp economic downturn due to the COVID-19 pandemic could cause certain groups of near-retirees to suffer significant and permanent reductions to their Social Security retirement benefits. A sudden decline in the Social Security Administration (SSA)'s measure of economywide average wages in the year a worker turns 60 causes the Social Security benefit formula to devalue all the worker's earnings prior to age 60, resulting in a lower measure of career-average earnings and a lower benefit in retirement. A middle-income worker aged 60 in 2020 could receive an annual Social Security benefit reduction of around 9%, with losses through retirement approaching $46,000. Individuals becoming eligible for Social Security Disability Insurance benefits would be subject to similar reductions in percentage terms. Several methods are discussed to reduce or eliminate the likelihood of similar benefit ‘notches’ occurring in the future.

scholarly journals Work incentives in the Social Security Disability benefit formula

2018 ◽  
Vol 18 (2) ◽  
pp. 165-189 ◽  
Author(s):  
GOPI SHAH GODA ◽  
JOHN B. SHOVEN ◽  
SITA NATARAJ SLAVOV
Keyword(s):  
Social Security ◽  
Older Workers ◽  
Extensive Margin ◽  
Disability Benefit ◽  
Payroll Tax ◽  
Payroll Taxes ◽  
The Social ◽  
Social Security Disability ◽  
Work Disincentives ◽  
Different Levels

AbstractWe examine the connection between taxes paid and benefits accrued under the Social Security Disability Insurance (SSDI) program on both the intensive and extensive margins. We perform these calculations for stylized workers given the existing benefit structure and disability hazard rates. On the intensive margin, we examine the effect of an additional dollar of earnings on the marginal payroll taxes contributed and future benefits earned. We find that the present discounted value of disability benefits received from an additional dollar of earnings, net of the SSDI payroll tax, generally declines with age, becoming negative around age 40 and reaching almost zero at age 63. On the extensive margin, we determine the effect of working an additional year on the additional payroll taxes and future benefits as a percentage of income. The return to working an additional year at an income level just large enough to earn Social Security credits for the year is large and positive through age 60. However, the return to working an additional full year is substantially smaller and becomes negative at approximately age 57. Thus, older workers face strong incentives to earn enough to obtain creditable coverage through age 60, but they face disincentives for additional earnings. In addition, workers aged 61 and older face work disincentives at any level of earnings. We repeat this analysis for stylized workers at different levels of earnings and find that, while the program transfers resources from high earners to low earners, the workers experience similar patterns in the returns to working.

Social Security Disability Application Experiences of People With Multiple Sclerosis in the United States

2007 ◽  
Vol 9 (4) ◽  
pp. 131-138 ◽  
Author(s):  
Lisa I. Iezzoni ◽  
Long Ngo ◽  
R. Philip Kinkel
Keyword(s):  
Multiple Sclerosis ◽  
Social Security ◽  
Disability Insurance ◽  
The United States ◽  
Legal Assistance ◽  
Income Support ◽  
Social Security Administration ◽  
The Social ◽  
Working Age ◽  
Social Security Disability

Studies suggest that more than half of working-age Americans with multiple sclerosis (MS) are unemployed because of their health. Many turn to public disability insurance for income support, applying through the Social Security Administration for either Social Security Disability Insurance (SSDI), which provides benefits to formerly employed people, or Supplemental Security Income (SSI), which supports impoverished individuals. Anecdotal reports suggest that many patients with MS face considerable problems when applying for federal disability benefits. To gather more systematic information about these experiences, we surveyed 983 working-age people with MS nationwide from May through November 2005. Most (60.2%) were unemployed; 36.4% had federal disability insurance, with 27.8% having SSDI alone. Almost one third (31.3%) had their initial SSDI application denied, and 31.9% used legal assistance when applying for this benefit. Although the time elapsed between SSDI application and approval was <12 months for 60.4% of applicants, 12–23 months passed for 19.8% and 24+ months for another 19.8%. Among people without SSDI, 15.4% had applied for this benefit at some time. Failure to meet disability criteria caused 60.3% of rejections, and inadequate documentation contributed to 32.1%. Neurologists must fully document the breadth of MS-related impairments in their patients' disability applications.

Heckler v. Campbell and the Grid: Are Disability Claimants Entitled to Examples of Suitable Jobs?

1984 ◽  
Vol 9 (4) ◽  
pp. 501-515
Author(s):  
Mark S. Smith
Keyword(s):  
Social Security ◽  
Supreme Court ◽  
Supreme Court Decision ◽  
Individual Characteristics ◽  
Social Security Administration ◽  
The Social ◽  
The Supreme Court ◽  
Disability Claim ◽  
Social Security Disability ◽  
Case Basis

AbstractThe Social Security Administration promulgated the medical-vocational guidelines (the grid) in 1978 in order to improve consistency and efficiency in disability claim adjudications. The grid takes administrative notice of the availability of jobs suited to claimants’ capabilities, eliminating the need to make such a determination on a case-by-case basis.In Heckler v. Campbell, the Supreme Court held that the grid is valid and that the Secretary of Health and Human Services cannot be required to give specific examples of jobs available in the national economy. In so doing, the Court reversed the Second Circuit, which had required the Secretary to give claimants examples of jobs suited to their individual characteristics to assure them adequate notice of the issues involved in their hearings.This Case Comment contends that the Supreme Court misperceived the Second Circuit's purpose in requiring the Secretary to provide specific examples of available jobs. Nonetheless, the Comment argues that the Supreme Court decision does not foreclose requiring such examples to assure adequate notice and to aid in resolving adjudicative factual issues. This Comment concludes that such a requirement would improve the efficiency, accuracy and consistency of Social Security disability determinations.

scholarly journals Social Security Policy and Activities of Social Services of Ukraine

2021 ◽  
Vol 2 (1 (339)) ◽  
pp. 72-79
Author(s):  
Yevhen Plisko ◽  
◽  
Violetta Tsokalo ◽  
◽  
Keyword(s):  
Social Work ◽  
Social Security ◽  
Social Services ◽  
Security Policy ◽  
Social Protection ◽  
Well Being ◽  
Protection System ◽  
Vulnerable Groups ◽  
Subsistence Level ◽  
The Social

The article analyzes the activities of the social protection system and social services of Ukraine. The concept of «social protection» is defined, the classification of the social protection system according to the models of social policy of other countries (Austria, England, Germany, USA, France, Japan) is given. The only principle of social protection according to the given models is formulated – joint action of a complex of measures which are directed on increase of well-being and quality of life of the population (economic, household, social). The socially-oriented policy of Ukraine, which is aimed at overcoming poverty, introduction of social insurance and targeted assistance, solving problems related to unemployment, is indicated. It was found that the basic state social standard in the field of income is the subsistence level. The social service is defined as a multifunctional state executive body that acts as a guarantor in ensuring the stability of the functioning of the system of social protection and social security of socially vulnerable groups. It is established that social services are an organizational form of social work, because they implement the practice of social security. Ensure orderly communication and interaction of all social work bodies (departments and social services). The organizational structure of the social security system is an orderly connection and interaction of all bodies of social work (departments and social services), which provide general conditions for rational organization and normal functioning of the support system for individuals, groups of communities at risk of social risk. The leading direction in social security is to support a person who finds himself in a difficult life situation at the minimum (not lower) social and household level – the provision of cash benefits, social benefits, benefits, subsidies and more.

scholarly journals Automatic health record review to help prioritize gravely ill Social Security disability applicants

2017 ◽  
Vol 24 (4) ◽  
pp. 709-716 ◽  
Author(s):  
Kenneth Abbott ◽  
Yen-Yi Ho ◽  
Jennifer Erickson
Keyword(s):  
Social Security ◽  
Characteristic Curve ◽  
False Positives ◽  
Social Security Administration ◽  
Health Records ◽  
The Social ◽  
Form Field ◽  
The Moment ◽  
Social Security Disability ◽  
Record Review

Abstract Objective: Every year, thousands of patients die waiting for disability benefits from the Social Security Administration. Some qualify for expedited service under the Compassionate Allowance (CAL) initiative, but CAL software focuses exclusively on information from a single form field. This paper describes the development of a supplemental process for identifying some overlooked but gravely ill applicants, through automatic annotation of health records accompanying new claims. We explore improved prioritization instead of fully autonomous claims approval. Materials and Methods: We developed a sample of claims containing medical records at the moment of arrival in a single office. A series of tools annotated both patient records and public Web page descriptions of CAL medical conditions. We trained random forests to identify CAL patients and validated each model with 10-fold cross validation. Results: Our main model, a general CAL classifier, had an area under the receiver operating characteristic curve of 0.915. Combining this classifier with existing software improved sensitivity from 0.960 to 0.994, detecting every deceased patient, but reducing positive predictive value to 0.216. Discussion: True positive CAL identification is a priority, given CAL patient mortality. Mere prioritization of the false positives would not create a meaningful burden in terms of manual review. Death certificate data suggest the presence of truly ill patients among putative false positives. Conclusion: To a limited extent, it is possible to identify gravely ill Social Security disability applicants by analyzing annotations of unstructured electronic health records, and the level of identification is sufficient to be useful in prioritizing case reviews.

scholarly journals (IN) contributory justice in the general social security regime: RGPS from the point of view of actuarial science from the point of view of income and the actuarial social security factor

2019 ◽  
pp. 135-161
Author(s):  
Matheus Carneiro Rocha ◽  
Jamille Carla Oliveira Araújo ◽  
Neuma Teixeira Dos Santos
Keyword(s):  
Social Security ◽  
Point Of View ◽  
Retirement Age ◽  
Actuarial Science ◽  
Contribution Rate ◽  
Retirement Benefits ◽  
Matlab Program ◽  
Security Regime ◽  
The Social ◽  
Very High

Issues related to public social security have generated widedebate between society and government. The average citizen cares about the fair measure between what he pays in the present and how much he will receive from retirement in the future. In view of this, this article aims to define according to the foundations of actuarial science, the fair measure between the value of contributions (payments) and the value of benefits (retirement) managed by the General Social Security Regime – RGPS as a tool of social (in)justice. The methodology used to obtain all parameters relevant to the RGPS as well as to the actuarial social security regime was the creation of situations involving men and women under specific conditions of entry into the social security system of initial age, retirement age and contribution salary and from these input data, the values of contribution and benefits were calculated through the Matlab program , where calculations were operationalized as a calculation routine. The results were segmented by gender (male or female) and income range, it was observed that social security contribution rate, the most important parameter to define the value of contributions to the RGPS, from 28% to 31% is very high in comparison with the rate calculated by actuarial science of 16% to 17% for men and 13% to 14% for women. It is concluded that for the ordinary citizen subject to the rules of the RGPS in force, the amounts of the contributions paid that reflect the retirement benefits received differ from the fair measure, calculated by actuarial science, therefore, it was not observed factors that attest that the RGPS is fair to the taxpayer and therefore to society.

Employment Patterns of SSI-First Awardees Who Enter SSDI After Achieving Disability-Insured Status

2021 ◽  
pp. 104420732110222
Author(s):  
Jessica Laird ◽  
Yonatan Ben-Shalom ◽  
Priyanka Anand
Keyword(s):  
Social Security ◽  
Drop Out ◽  
Dropping Out ◽  
First Year ◽  
Social Security Administration ◽  
Ability To Work ◽  
Employment Patterns ◽  
Work Related ◽  
The Social ◽  
Social Security Disability

This article uses administrative data from the Social Security Administration to explore the employment patterns and characteristics of individuals awarded Supplemental Security Income (SSI) benefits between 2001 and 2009 who later became disability insured and qualified for Social Security Disability Insurance (SSDI). While these individuals are a small portion of all SSI and SSDI beneficiaries, they are particularly interesting because they demonstrate a desire and ability to work despite the health conditions that make them eligible for disability benefits. On average, 2.3% of SSI-first awardees enter SSDI after they become disability insured within 5 years of their SSI award. These SSI awardees are younger than other SSI awardees and are more likely to achieve work-related milestones during the 5 years after SSI award. Although awardees in this group show signs of an ability to work, they gradually start dropping out of the labor force starting 5 months before SSDI benefits begin and drop out in greater numbers through the first year of SSDI benefits. This suggests that some of them may work enough to achieve disability-insured status but stop when they enter SSDI.

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