I answer the phone and a lady demands to know how her disability case is going. I can tell she is disgruntled and ready to pick a fight. Apparently her neighbor, who has "absolutely nothing" wrong with him just won his disability. We always judge situations by what we can see and so many people do not look disabled. They aren’t in a wheelchair, don’t have artificial limbs, aren’t blind, or have obvious mental retardation. There is no tape measure for disability. You must take into account all medical problems and how their combined effect will impact a person’s ability to work. Disability cannot be determined by focusing on one issue.
In the past 15 years the number of applications for disability has almost doubled. The very word “disability” is a loaded word these days. All day long I hear things like: I need my disability, I applied for my disability. He doesn't have a disability. What exactly is a disability?
President Roosevelt signed the Social Security Act on August 14, 1935, and the Social Security Board (SSB) was born. The SSB was renamed the Social Security Administration (SSA) on July 16, 1946. It was established to “develop a comprehensive social insurance system covering all major personal economic hazards with a special emphasis on unemployment and old age insurance.” Over time, this program has grown to include disability insurance: Title II which is Retirement, Survivor’s and Disability Insurance (RSDI) and Title XVI which is Supplemental Security Income (SSI). When people work, they pay Social Security taxes and after so many quarters of paying these taxes, you become "insured" for disability purposes. If you have not worked or are not insured for disability purposes, you must qualify for SSI in order to receive any disability benefits. The rules for SSI are all financial and very stringent. The most money you can draw under SSI at the present time is a whopping $8,529.00 a year if you are single or $12,792.55 if you are married. Many people do not qualify for the maximum amount because they may live with a family member. If you have to live on SSI benefits, you will live in poverty.
The Social Security Administration defines disability as an inability to work, and you must be totally disabled from all work. There are no benefits for partial or short-term disability (less than one year). There is a five-step evaluation process used to determine if adults qualify for disability. You are evaluated based on the work you did before, your current work activity, your medical condition and how it affects your ability to work, whether or not you can adjust to other work because of your medical condition; and whether your disability has lasted or is expected to last for at least one year or to result in death. They also evaluate your education and literacy.
Many times clients will keep focusing on their physical problems which are not that severe, but after dealing with them for some time, I discover they have some profound psychological problems. Why is it easier to admit that our back is broken and not our mind? Our minds can break under the pressure of life just as easily as a bone. Mental disabilities are very real. People who criticize the disability program say that if you are physically able, then your mental capacity should have no bearing on the matter. Having a strong and sound mind is just as necessary to your ability to work as your physical health.
Education is also a very important factor in determining whether or not a person is disabled. Let’s face it, some people are just smarter than others. We had a client who was at his hearing and Mr. Diggs asked him if there was any job he thought he could do with his set of medical problems, and he said, “I think I could do what he’s doing.” and pointed to the Judge. Not only are there people who are smarter, there are families who are richer and able to spend more money on education. I knew a man who was encouraging his grandson to stay in college and he said, “From the neck down, I can hire a man for about $10.00 an hour or less, but from the neck up it gets a lot more expensive.” Our mental abilities play a very important role in our ability to work. What causes one person to be disabled, may barely slow another person down. The more you look at the issue of disability, you realize, that defining disability is not that easy.
- Selected Data From Social Security’s Disability Program. Social Security: The Official Website of the U.S. Social Security Admnistration. March 29, 2013. www.ssa.gov/oact/STATS/dibStat.html
- Social Security History. Social Security: The Official Website of the U.S. Social Security Administration. April 2, 2013. http://www.socialsecurity.gov/history/orghist.html
- SSI Federal Payment Amounts For 2013. Social Security: The Official Website of the U.S. Social Security Administration. April 2, 2013. http://www.socialsecurity.gov/OACT/COLA/SSI.html
- Definition of Social Security disability. Social Security: The Official Website of the U.S. Social Security Administration. April 2, 2013. http://ssacusthelp.ssa.gov/app/answers/detail/a_id/152/~/definition-of-social-security-disability
2 comments:
Should people on disability be counted in our unemployment stats? Seems like some would be working if there were appropriate jobs. http://www.statisticsblog.com/2013/03/minding-the-reality-gap/
In Arkansas, when you apply for unemployment, you must be "physically and mentally able to perform suitable work." So I do not think that those who are currently receiving disability should be included in the unemployment numbers. But I do think that the bad job market and the closing of many companies may have forced people who were on the verge of seeking their disability to actually file. My dad is an example. He built cabinets all his life and at the age of 58 or 59his company closed. They had made a lot of concessions for him--allowed to him to miss alot of work, and since he was the manager was allowed to sit more than normal for that job. At that point, he applied for his disability and was approved on the first application. Thanks for the comment.
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