Posts Tagged "disabled"

Affordable Care Act Indirectly Affects SSI

Disabled man in physical therapy

The Affordable Care Act (ACA) requires that insurance companies offer coverage to young adults with disabilities – like all young people – through their parents’ employer coverage until age 26.

So, up to this point, many adults with disabilities now have a viable way to get health services, independent of any government assistance. But at 26, that changes.

A Mathematica study finds that’s when some start applying to the federal Supplemental Security Income Program (SSI) – probably partly to gain access to Medicaid health coverage. Health insurance is critically important to people with disabilities, who often need expensive, specialized medical services. SSI’s purpose is to provide monthly cash assistance for living expenses if they lack financial resources and don’t have the work history required for federal disability insurance. SSI recipients also qualify automatically for Medicaid in a majority of states.

The researchers examined the trends in applications to SSI by people in their 20s before and after the Affordable Care Act’s 2010 passage. They found that the annual application rates among people right around their 26th birthdays have recently been 3.4 percent higher than what would be expected based on the steady pattern of overall age trends. This jump in applications at age 26 was not evident before the ACA – when people tended to lose parental insurance earlier in their 20s.

The number of SSI applications that were approved was also somewhat higher, according to the study, which was funded by the U.S. Social Security Administration.

The risk to young adults who go on SSI, the researchers said, is that they might develop a long-term dependence on the program’s cash assistance and Medicaid. And this, in turn, could discourage people with less severe disabilities from trying to work at a critical point in their lives, because SSI strictly limits how much money its recipients can earn. …Learn More

Man using stand up desk

Disability Accommodations Help Workers

This big number may surprise you: one out of every four adults feels they need some type of accommodation by an employer for a medical condition or disability.

This finding comes from a study in the Journal of Policy Analysis and Management that established a very inclusive standard for determining the need for employer accommodations. The researchers concluded, after following individuals 18 and older in their study for four years, that their employment rate was higher when they received support.

The Americans with Disabilities Act of 1990 requires employers to provide workers and job applicants with a “reasonable accommodation.” But disabling conditions aren’t always visible, and many people never ask employers for assistance. In addition, some employers – particularly small firms – may see accommodations as too costly.

In their 2014 supplement to a periodic RAND survey, the researchers found that 23 percent of workers and unemployed individuals said “yes” to a broad question designed to get a more accurate estimate of need than standard surveys: Does, or would, a special accommodation for your health “make it easier for you to work?”

This group was made up of workers who were already receiving an accommodation, as well as employed and unemployed individuals who felt they could use such support.

Workplace accommodations range from small things like buying a standing desk for an office worker with acute sciatica to reassigning a warehouse worker to a less physical task after he develops back problems. About half of the people who said an accommodation would help them received one – and the benefits were clear.

Between 2015 and 2018, their employment rate held steady at around 85 percent. But the rate for the people who weren’t being accommodated fell sharply, from 92 percent to 72 percent, according to the study funded by the Social Security Administration. …Learn More

Drawing of Arthritis

Same Arthritis. But Some Feel More Pain

The X-rays look very similar for two 60-year-old women with arthritic knees.

But the less-educated woman has more severe pain than the person who graduated college.

A new study of men and women finds that the degree of knee-joint deterioration visible in an X-ray isn’t the primary reason one person experiences more knee pain than someone else. Instead, the overwhelming reason is knee strain caused by obesity and the toll taken by physically demanding jobs – both of which are more common among less-educated workers.

The researchers focused on knee arthritis, because musculoskeletal pain is one of the leading causes of Social Security benefit payments to people who develop a disability and can no longer work.

Understanding what’s behind the pain differences is important, because the need for workers in certain jobs requiring physical strength – home health aides, janitors, and construction workers are examples – is expected to increase in the future.

Given this growing demand and predictions of a continued rise in obesity, the researchers conclude that “pain is expected to contribute to an increase” over time in the percentage of the population who will be impaired by their pain.

The people in the study fell into three educational groups: a high school degree or less; some college; or a four-year college degree. The researchers also had information about their occupations, as well as several data sources that gauge the severity of their knee pain, including the ability to do things like walking a quarter of a mile.

Knee arthritis worsens with age. However, a surge in reports of severe knee pain came about a decade earlier for people with no more than a high school degree than the surge for college graduates. …Learn More

Street worker working at night

Public-Sector Disability is Fairly Generous

About one in four state and local government employees – some 6.5 million people – do not participate in the Social Security system. They get their disability insurance, as well as their pensions, from their employers.

Whether the coverage is more or less generous than Social Security disability depends on the individual worker’s circumstance and how the state or local employer calculates benefits. But a new study concludes that public-sector workers who have a disability generally receive benefits that are at least as generous as the federal benefits.

To compare them, researchers at the Center for Retirement Research had to construct a database with each state’s and locality’s eligibility requirements and benefit payments. The sample consisted of 67 different disability programs, which cover a majority of the U.S. workers who don’t pay into Social Security.

The main thing Social Security and the public-sector have in common is eligibility – a 35-year-old must have five years of employment to receive federal disability and four to six years under most public-sector programs. One way they differ is that most state and local governments have a more liberal definition of what qualifies as a disability. Social Security pays benefits to a worker who can no longer do any job. Public-sector benefits go to a worker who can’t continue doing his current job.

The disability benefits are also calculated differently. Social Security’s progressive formula is the most generous to low-wage workers, because it replaces a higher percentage of their past earnings. But each state and local government uses the same formula for all of its workers, regardless of their earnings, and the formula gives more credit to employees who have been with their employer the longest.

What does all this add up to? The older public-sector workers, who are most at risk of developing a disability, receive relatively generous protection under the state and local programs, because the eligibility requirements are less strict than Social Security’s and because the benefits for most long-tenured employees replace a higher percentage of their earnings.

Older people who moved into the public sector late in their careers are in a different situation. …Learn More