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#social security disability insurance
masarukitkat · 1 year
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So I feel the need to mention that I had a really rough Sunday. I had to fill out Social Security Disability Insurance forms. The forms that I shouldn’t have had to fill out - but I had to anyway because they needed more information from me after I had the phone interview that I did which was supposed to prevent me from having to fill out these forms in the first place…🫠
I am not okay. Some of those questions brought up things that I make every effort to dissociate my way through life in order for me to make it through every day…I try not to think about the harsh actual realities of my life. What my life is like. How I live…what I’ve lost.
Literally, one of the questions on there was “What were you able to do before your illnesses, injuries, or conditions that you can’t do now?”……that’s just…I just sat there and had to breathe for a very long time, you know? That one hurt. A lot.
And then going into detail of what an average day is like for me from when I get I’m to when i go to bed? Detailing everything…I hate it. Also, according to the paperwork, this should have only taken me around 2 hours to do all of that paperwork? To read it all, gather information and to fill it out...heh.
Eight hours. Eight hours that took me.
There’s a reason why I really would rather try to apply for things over the phone. Paperwork isn’t a thing that I can do very well these days...oh well, I guess. I hope that all of this will have been worth it.
Because I feel like I just ripped myself apart…and now I feel like I need to put all the pieces back together again.
🧠🦽♿️🧠🦽♿️🧠🦽♿️🧠🦽♿️🧠🦽♿️
Rain falls on trauma
You used to, but now you can’t
Gold can fill the cracks
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topchoiceinsurance · 3 months
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https://topchoiceinsurance.ca/services/disability-insurance/
Beyond Protection: Long-Term Disability Insurance Solutions
Step into security with personalized Long-Term Disability Insurance solutions at TopChoice Insurance. Find your peace of mind today
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schottlaw · 4 months
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SSI Lawyer | Spokane | Schott Law
Schott Law helps clients in Spokane and throughout Eastern Washington and Northern Idaho resolve their SSI matters. Call now to make an appointment with a dedicated lawyer.
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How much does SSDI pay per month? What is the most I can get in SSDI benefits per month?
Social Security Disability Insurance (SSDI) is a government program that provides financial assistance to individuals with disabilities. The amount of SSDI benefits that an individual can receive per month is determined by various factors, including their average lifetime earnings and their age at the time they become disabled. In this article, we will discuss the maximum amount of SSDI benefits that an individual can receive per month.
The maximum amount of SSDI benefits that an individual can receive per month is determined by the Social Security Administration (SSA). As of 2023, the maximum monthly SSDI benefit amount is $3,627. This amount is subject to change each year, based on inflation and other factors.
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disabilitysblog · 1 year
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Americans’ Social Security checks will get a lot smaller in 2034 if lawmakers don’t act to address the pending shortfall, according to an annual report released Friday by the Social Security trustees.
That’s because the combined Social Security trust funds – which help support payouts for the elderly, survivors and disabled – are projected to run dry that year. At that time, the funds’ reserves will be depleted, and the program’s continuing income will only cover 80% of benefits owed.
The estimate is one year earlier than the trustees projected last year. About 66 million Americans received Social Security benefits in 2022.
Medicare, meanwhile, is in a more critical financial condition. Its hospital insurance trust fund, known as Medicare Part A, will only be able to pay scheduled benefits in full until 2031, according to its trustees’ annual report, which was also released Friday.
At that time, Medicare, which covered 65 million senior citizens and people with disabilities in 2022, will only be able to cover 89% of total scheduled benefits. Last year, Medicare’s trustees projected that the hospital trust fund’s reserves would be depleted in 2028.
LONG-STANDING FISCAL TROUBLES
Immensely popular but long troubled, Social Security and Medicare are on shaky financial ground in large part because of the aging of the American population. Fewer workers are paying into the program and supporting the ballooning number of beneficiaries, who are also living longer. Also, health care is becoming increasingly expensive.
Social Security has two trust funds – one for retirees and survivors and another for Americans with disabilities.
Looking at them separately, the Old-Age and Survivors Insurance Trust Fund is projected to run dry in 2033, at which time Social Security could pay only 77% of benefits, primarily using income from payroll taxes. The date is one year earlier than estimated last year.
The Disability Insurance Trust Fund is expected to be able to pay full benefits through at least 2097, the last year of the trustees’ projection period.
Merging the two trust funds would require Congress to act, but the combined projection is often used to show the overall status of the entitlement.
Social Security’s projected long-term health worsened over the past year because the trustees revised downward their expectations for the economy and labor productivity, taking into account updated data on inflation and economic output.
However, the long-term projection for Medicare’s hospital trust fund’s finances improved, mainly due to lowered estimates for health care spending after the height of the COVID-19 pandemic. Also, the program is projected to take in more income because the trustees estimate the number of covered workers and average wages will be higher.
ADDED PRESSURE ON CONGRESS
The trustees’ reports are the latest warnings to Congress that they will have to deal with the massive entitlement programs’ fiscal problems at some point soon. But addressing their issues is politically challenging. Elected officials are hesitant to suggest any changes that could lead to benefit cuts, even though that could reduce their options in the future.
“With each year that lawmakers do not act, the public has less time to prepare for the changes,” the trustees warned in a fact sheet.
The programs’ shortfalls are back in the spotlight this year as President Joe Biden and House Republicans battle over how to address the nation’s debt ceiling drama and mounting budget deficits. GOP lawmakers want to cut spending in exchange for resolving the borrowing limit, while the White House has said it will not negotiate.
In a memorable moment in his State of the Union address in February, Biden garnered public acknowledgment from congressional Republicans about keeping Social Security and Medicare out of the debt discussions.
But “not touching” Social Security means a hefty cut in benefits within a decade or so.
“Change is inevitable because without changes to current law, both Social Security and Medicare Hospital Insurance would go insolvent, subjecting program participants to sudden and severe payment cuts,” said Charles Blahous, senior research strategist at the Mercatus Center at George Mason University and former Social Security and Medicare trustee. “The outstanding question is whether change will be tolerably gradual, or instead highly damaging because it is too long delayed.”
Though Biden has repeatedly vowed to protect Social Security, his latest budget proposal did not include a plan to stabilize its finances.
However, his proposal did call for extending Medicare’s solvency by 25 years or more by raising taxes on those earning more than $400,000 a year and by allowing the program to negotiate prices for even more drugs.
Spending on the entitlement programs is also projected to soar and exert increased pressure on the federal budget in coming years.
Mandatory spending – driven by Social Security and Medicare – and interest costs are expected to outpace the growth of revenue and the economy, according to a Congressional Budget Office outlook released in mid-February.
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richo1915 · 10 months
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Bill was a Union man.
Bill fought the Good Fight.
Bill got politically active.
And Bill still fights the good fight.
Be like Bill.
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reserwrekt · 11 months
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"Orthostatic intolerance"
ITS POTS. ITS POTS. ITS POTS. GIVE ME A REAL DIAGNOSIS SO I CAN GET A FUCKING WALKER WITH A SEAT, YOU COWARDS
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dirtynamjams · 2 years
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im so frustrated
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0verthinking1t · 2 years
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How it's going
(before I get into it, a little TL;DR I wanted to make sure is visible from the top: if you're looking to apply for SSI and, like me, have no idea what you're doing and don't know where to start, look at Atticus.com . They're a legal firm/database that will screen you for eligibility and then match you with a law office/lawyer who will help you apply and get approved. There's no up front cost; the fee for legal services is 25% of your first benefit check only, IF you get approved. I know that seems like a lot, but it's because the first check usually includes backpay for application time and any amount of time you were eligible before you applied. I know it's overwhelming, and so do they; making your first steps with you and advising you the whole way is literally what these lawyers are there for, they're expecting you to feel a little lost. ❤️)
So not long ago, I found myself in one of the worst brain fog episodes I've ever had, almost in tears because I couldn't even muster enough neurotransmitters to START sitting up off my bed, let alone take the shower I needed (and I say "almost", because I couldn't muster the neurotransmitters to actually feel anything other than TV static 😭). By the next day, I had decided to make a change, dug up some tips from fellow neurodivergent folks online, and made a plan. Thus, things like the Task Menu and Random Encounter die were born. I want to take a minute to report on this process of basically relearning how to ACTUALLY function around my mental illnesses, instead of basing the structure of my whole life on the desperation of fitting in to society.
So far, things are going pretty well, everything considered. The strategies I'm developing are accomplishing what I designed them to accomplish; I've been getting up and more actively existing instead of being a rock, and for the most part, it's eased the terrible zombie feeling in my head. Some days are better than others, of course, but I went into that acknowledging that and ready to forgive myself if I need to rest or wander off course. after all, those things just happen; that is the very nature of the things physically and chemically wrong in my brain, and that's all there is to it. Things like keeping track of things I actually do during the day as well as what I expect to get done, or like adding up the number of those things and keeping track like a daily high score, help me to view this as a process of positive reaching rather than negative guilting. And honestly, I actually have been crossing a lot of real things I had piled up off the Megaboard. I feel good about this, and I'm making a very positive start on things.
Of course, there's always room for improvement, and this process has helped me identify where I need help more clearly. I've been able to identify that, even with this daily structure keeping me rolling, I don't seem to have the mental energy to do even simple errands a lot of the time, like making doctor's appointments, or doing house cleaning, or following up on problems. Even this info has been invaluable to me though; I was able to bring it up to my psychiatrist at our last visit, and to take a critical look for myself at how bad my disability REALLY is and whether or not I was actually managing as well as I thought for the last few years. Did I really benefit from the structure provided around full time work? What was motivating me to get through basic routine every day, and how was it impacting my mood? I find that in my natural state, I need gentle reminders to drift through things like hygiene and nutrition; looking back, I realize how the same routine things that make me feel better now we're actually detracting from my mood, because I had to force them to happen around work hours at times I wouldn't normally do them. I half-assed breakfast with a protein bar every day because I wasn't hungry in the morning, so food stopped making me happy and generating motivation. I would skip brushing teeth (either consciously or accidentally) in order to make a bus/train, and just do it in the bathroom at work with a little travel toothbrush five minutes before my shift. "Play" during my off hours became "doing absolutely nothing", because I was too miserable and exhausted to indulge in more stimulating hobbies. Basically what I noticed, is that I never actually had this type of mental energy in the first place— I was in a sort of debt to myself for spending spoons I didn't have.
Continuing to look at my disabilities and realistic expectations of myself, I've noticed that I honestly don't feel ready to return to work soon in any capacity, and I'm not sure if I ever will. I'd love to get back to the art business I was setting up a while ago and have some sense of purpose through that, but I just don't feel a connection to any sort of structured employment I qualify for. Having realized that, I finally took further steps toward SSI, and found a lead on legal services to help me apply. I now have a law firm filling out my app as I write and sending me paperwork to sign, and the whole thing is suddenly much more concrete and real.
That brings me to the last thing I wanted to ramble on a bit— life updates 😊 I just mentioned the lawyer I contacted about SSI, and my recent psych appointment. Things are going well, treatment-wise, and we're working on tweaking doses and refining what works. We added anti-anxiety meds now that we know how stimulants and Prozac are working out. I also feel comfortable talking to him about the SSI process, and that he's willing to support me on that as well. As for personal goals, I've been able to keep better track of things like feeding Blyth consistently, showing up to D&D on time, and getting errands done in a timely manor. Time management for games was a big one for me— over the past couple months, I've lost track and been late a lot, either because I hyperfixated on something and lost awareness of time, or because I lost awareness of days of the week, or because I had trouble taking D&D with friends out of the mental "later" category and putting it into the "now" one. I feel really good about being able to change that for my friends 😊
Today, I'm allowing myself a bit of a cheat day. There are some things I'll feel ready to do closer to evening, but for now, I'm just lazing around with Princess Mars. I spent the last couple days at a friend's place, which was fun and relaxing, but I still needed a quiet day to recharge my social battery and let my worked-out deep conversation muscle rest and unflex. I feel better so far. I'm proud of the start I've made ❤️
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manleycollins · 2 years
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Yes, I talked about home ownership under my journal entry HUD – Journal Entry #6.  People thought I was crazy because the proof of the Washington, DC home at 3222 Theodore R Hagans Dr NE – all the pictures from start to finish went with my storage drives.
Yes, I did finance and signed a contract on the Washington, DC home.  United States Congress and each State I resided Congress are wondering why they are getting letters associated with the 2007 physical assault at the United States Department of Defense intelligence community setting, which all the major materialistic losses started.
Now, I am at the end of the scientific bell curve; in which, I am back at the point of making the same amount of money I did as a Freshman at South Carolina State University with work study and tuition refund for overpayment.
The government now steps in and decides to say they are going to give me funding to help me.  America capitalism can smell the money and I see the greed.  Now, the government gave this same funding to my biological mother, made her isolate herself and crazy until finally she died and never saw social security retirement.  The government takes biological father at his 63rd/64th birthday before he could claim social security retirement.  Of course, I do not know all my biological father’s business.  Thus, leaves me at my current age and I already told the government I am going to continue to do whatever the f*** I want, where I want, and how I want.  I am salvaging the remaining of my life after what the church did, government did, family did, friends did, strangers did, school did, legal/law did, organizations did, employers did, and life says it is my fault.  My vitals are at 100% close to perfect and now coming out of the mental health illnesses, the government and people think while I am fully conscious to make a decision on how I want death to end my life.  After March 26, 2016 to April 3, 2016 week, a very dark, psychotic, phoenix personality arose out of the Gemini horoscopic sign.
I read all the rules about the government funding.  I said enough loss and stop taking because I already do not give a d***.  This is a current event and will be reentered in a journal entry.
After I loss the Atlanta home at Wynsley Way with all the upgrades and pre-qualified and qualified by Bank of America due to independent inspector findings, I bought the Washington, DC home at $535,000 with all upgrades at full retail price.  I loss the home to foreclosure and my $40,000 downpayment with it.  Bank of America pre-qualified me for the loan, but could not go forward because the house needed a jumbo loan that they could not provide.  Here is the proof of paperwork by Wells Fargo, who financed the jumbo loan to finance the home.  Witnesses that saw the home – neighbors, auntie and cousin from the Mack family, local DC friends, college students when I tried to do Craigslist rentals like AirBnb, etc.
Yes, America I will keep reminding you of the physical and real loss and hurt behind a struggling African-American male achieving the old school American dream.  So let me see America or the Globe do the past.
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topchoiceinsurance · 5 months
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Empower Your Journey: Disability Insurance in Focus
In the hustle and bustle of life in Mississauga, it's easy to overlook the potential curveballs that may come our way. From unexpected accidents to health challenges, the uncertainties of life underscore the need for comprehensive protection. 
One such crucial aspect often underestimated is Disability Insurance. In this blog, we delve into the nuances of disability insurance in Mississauga, exploring the significance of long-term disability coverage and shedding light on why this financial safeguard is a key player in empowering your life's journey.
Understanding Disability Insurance in Mississauga
Mississauga, with its dynamic energy and diverse community, is a city where opportunities abound. However, the fast-paced lifestyle can sometimes lead us to neglect planning for unforeseen circumstances. This is where Disability Insurance steps in as a formidable ally.
Disability insurance in Mississauga provides a safety net when life takes an unexpected turn, and you find yourself unable to work due to injury or illness. It replaces a portion of your income, ensuring that you can meet your financial obligations even when you are unable to work. In a city where the cost of living is significant, having this financial buffer can make a world of difference.
The Long-Term Advantage: Long-Term Disability Insurance Explained
When we talk about disability insurance in Mississauga, it's crucial to understand the distinction between short-term and long-term disability coverage. While short-term disability typically covers the initial stages of an illness or injury, long-term disability insurance comes into play when the recovery period extends over an extended duration.
Long-term disability insurance provides sustained coverage for an extended period, offering peace of mind in situations where the ability to work is compromised for an extended period. This type of coverage is designed to ensure financial stability, covering a percentage of your salary throughout the more prolonged period of inability to work.
Empowering Your Life's Journey: The Significance of Disability Insurance
The essence of disability insurance lies in empowerment. It goes beyond the financial safety net and provides individuals and families with the assurance that their dreams and aspirations need not be derailed by unexpected health challenges.
In a city that thrives on ambition and resilience, disability insurance becomes a tool for empowerment. It allows individuals to focus on their recovery and rehabilitation without the added stress of financial strain. Whether you're a young professional, a parent supporting a family, or a seasoned worker, disability insurance ensures that your journey doesn't come to a standstill when life takes an unexpected turn.
Why Disability Insurance Matters in Mississauga
Mississauga's vibrant community is built on the foundation of hard work and determination. Disability insurance aligns seamlessly with these values by offering a safety net that allows individuals to navigate through challenging times with dignity and financial security.
The importance of disability insurance in Mississauga becomes even more pronounced when considering the rising costs of healthcare and the potential financial strain that can accompany a disability. It's not just about protecting your income; it's about safeguarding your lifestyle, your family's future, and your ability to continue contributing to the community you call home.
Conclusion
As you embark on the journey of securing your financial future and well-being, exploring disability insurance options becomes paramount. One resource that stands out in providing tailored solutions for Mississauga residents is Top Choice Insurance.
Their commitment to offering comprehensive and reliable insurance options makes them a top choice for navigating the intricate landscape of disability insurance. Remember, empowering your journey involves not just dreaming big but also taking the necessary steps to protect those dreams from life's uncertainties. Disability insurance is more than a policy; it's a commitment to your resilience, your ambitions, and your peace of mind. 
In Mississauga, where every step matters, let disability insurance be your steadfast companion on the road to a secure and empowered future.
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vmures · 24 hours
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Since I'm already thinking about James Somerton, I might add this to my musings on his videos and the take aways from his errors, lies, omissions, and plagiarism.
He's a great example of the problems that arise when you decide to categorize a minority group into good and bad members of the group instead of focusing on individual bad behaviors and just that--individual. He's also a great example of the same type of behavior the 9-1-1 stans I was talking about earlier love to revel in.
He's white, a cis dude, and gay. He acts like he's uplifting minority voices and speaking for more marginalized groups when in reality he was spreading a lot of hate and using voices of those more marginalized than himself to boost his fame and fortune. There's a lot of misogynist language in his videos. There's also a whole lot of "good gays" talk. While he doesn't go the puritanical route for describing good gays (meaning a gay person who fits into heterosexual norms and thus is less likely to upset the far right), he does still paint a picture of there only being one right way to be queer while deriding those who do fit into heterosexual norms.
Claiming the opposing stance (we're good because we're freaks and they're bad because they pass) is just another tactic that divides the community and causes strife and in-fighting which weakens the whole community and makes it easier for outside forces to oppress and harm the community.
Of all the videos that pissed me off, the one where he claims that all the good gays died in the AIDS crisis was probably the one that made me most feral with anger. I was too young to be active in the queer community during the Act Up years. I was only able to become more active in the community when I got to college in the late 90s. But I watched the news and read and tried to come to terms with being queer while living in the rural deep south (and let me tell you, finding supportive info was hell before the internet). I saw the work people were doing to fight for housing, for employment rights, for fair treatment in all walks of life. It was never just about marriage and joining the military. Honestly 20 year old me didn't think we'd ever see gay marriage legalized in all 50 states. So hearing that blatant lie was infuriating. It was a sign that not only did he not do his research, he deliberately created misinformation to try to radicalize members of the community and get them to hate other members of the community.
The other problem with his stance about the only good gays being the visibly wild and weird ones is that it ignores the realities that a lot of LGBTQUIA+ folks face. I tried hard to pass, and failed spectacularly especially in middle school where I was severely bullied for looking like a boy and being to masculine and possibly being gay. I did eventually get better at passing as a protective measure.
When I officially came out in college, my cousin thought I was brave as hell, but kind of insane. Not because it was wrong, but because it literally put my life in danger. My college was a small private liberal arts college but was still located in a very red, very conservative state and city. I ended up helping start the college's first gay-straight alliance group (and as far as I know it's still an active group on campus). People were afraid to come because they didn't want to become targets. We had our flyers torn down and some of us had our cars keyed. Thankfully I don't recall us having any violence to people just a whole lot of microaggressions on campus.
A few years after college, I joined the Peace Corps and was told point blank that the country I would be serving in was very homophobic and it would be best if I stayed closeted while there for my own safety. There are lots of people in many US states who still face the choice of being closeted or being victims of violence and for those who simply cannot pass it is a terrifying world to live in. Instead of dividing it into good and bad camps of who can pass and who cannot, it's a lot more effective if both groups stand together and work for change. We are so much stronger when we join forces and stand in solidarity. Calling out those who are afraid to come out, or who feel like they only way to live safely is to pass, isn't an effective way to create change. Just like alienating those who cannot pass or choose not to is not an effective way to create change.
Neither extreme take is fair to the other group. And these sorts of takes tend to result in a sort of "I got mine, and you can go die" mentality. We shouldn't be leaving any member to the hatred and abuse of oppressors. And for those who join our oppressors in hopes of sparing themselves...well, we should pity them because in the end they will find that once the other scapegoats have been slaughtered they will be the ones on the chopping block.
TLDR; Misinformation and framing things in a way to fracture oppressed minority groups even farther is one of the things we all need to be wary of when we're taking information in. Because in the end it only ends up hurting the entire group.
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Is it possible to receive both Social Security Disability (SSDI) and Spousal Benefits at the same time?
If you are eligible for both Social Security Disability Insurance (SSDI) benefits and spousal benefits, you may be able to receive both benefits at the same time. However, the amount of your spousal benefits may be reduced if you are receiving SSDI benefits.
To be eligible for spousal benefits, you must be married to someone who is receiving Social Security retirement or disability benefits, and you must meet certain other requirements, such as being at least 62 years old.
To be eligible for SSDI benefits, you must have a qualifying disability that prevents you from working and earning a living. You must also have worked and paid into the Social Security system for a certain number of years, depending on your age at the time of disability.
If you are eligible for both SSDI benefits and spousal benefits, the Social Security Administration will calculate the amount of your combined benefits and pay you the higher of the two amounts. However, your spousal benefits may be reduced if you are receiving SSDI benefits based on your own work history, because you are already receiving a benefit based on your own earnings.
It's important to note that the rules and eligibility requirements for SSDI and spousal benefits can be complex and may vary depending on your individual circumstances. If you need assistance or have questions, please feel free to contact attorney Christopher Le at 210-885-3408.
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crratbc · 2 months
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The Center for Retirement Research at Boston College recently released 10 working papers
Can Incentives Increase the Writing of Wills? An Experiment Jean-Pierre Aubry, Alicia H. Munnell, and Gal Wettstein
The Case for Using Subsidies for Retirement Plans to Fix Social Security Andrew G. Biggs, Alicia H. Munnell, and Michael Wicklein
Understanding the Characteristics and Needs of Tribal Community Members for Social Security Delivery Barbara A. Butrica, Stipica Mudrazija, and Jonathan Schwabish
The Impact of Past Incarceration on Later-Life DI and SSI Receipt Gary V. Engelhardt
Take-Up and Labor Supply Responses to Disability Insurance Earnings Limits Judit Krekó, Dániel Prinz, and Andrea Weber
How Can Changes to Social Security Improve Benefits for Black and Hispanic Beneficiaries? Richard W. Johnson and Karen E. Smith
The Impact of High-Pressure Labor Markets on Retirement Security Stipica Mudrazija and Barbara A. Butrica 
How Many Medicaid Recipients Might Be Eligible for SSI? Michael Levere and David Wittenburg
Perceptions of Beneficiaries with Mental Illness and Family Representative Payees Regarding Satisfaction and Challenges Travis Labrum
Estimating Disparities Using Structural Equation Models Stipica Mudrazija and Barbara A. Butrica
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