Persuasive Essay On Disability Insurance

Up until the mid 1970's it was actually illegal to be disabled in a sort. It was the 'Ugly Law' which many with Cerebral Palsy suffered greatly from. If anyone was reported ugly due to a deformity of any kind, they would be arrested and taken back home. While not many things like that still happen today, there are situations that happen that are still Ableistic in their own ways. Many crimes that happen against disabled people won't get televised or any awareness raised at all. Parents with disabilities are more likely lose custody of their child, a lot of times for no reason besides being disabled. For intellectually challenged parents there's up to an 80% chance of them losing their child. There are businesses that will refuse to let a handicapped worker to any jobs where they might be visible, some refuse designated parking spaces. The disabled are often paid less, in many places they are paid below minimum wage. Which might be overlooked, if the disability benefits had any help to offer. Unfortunately, disability only offers anywhere from $5k-$7k a year, and the recipient and family they are living with cannot earn more than around $20k a year. The average middle class person is expected to make around $30k a year. Not only must the disabled live off such mediocre wages, but the necessities are ridiculously priced. Manual

Having a physical disability may effect a persons ability to work and therefore they would need income support and “out

According to the U.S. Census Bureau, there are 49 million Americans without healthcare insurance and more than 10 million are non-U.S. citizens (http://www.census.gov). Because many people are uninsured and those that do have insurance pay high deductibles, Americans often dismiss the need for doctor’s visits for minor problems or annual physicals. As a result, health problems that can be detected at an early stage or prevented altogether become major illnesses. Individuals with disabilities hold one of the biggest weaknesses in the healthcare system because they cannot often obtain affordable health coverage.

“The purpose of the Disability Insurance (DI) program is to replace part of a worker’s earnings in the eventuality of a physical or mental impairment preventing the individual from working,” given that the “definition” of disability is met. These factors play an essential role in disagreement among judges, which ultimately results in direct denial of a claim (“Outcome Variation”).

However, this causes a financial burden. Medicare is a program which provides insurance benefits to all individuals aged sixty-five and older, including younger people with disabilities (Grabowski, 2007). Medicare covers few long-term care services and Medicaid covers the rest of the huge amount. “Policy options include capitation, pay-for-performance, and federalization, in which federal government would assume the Medicaid’s costs for the dually eligible population” (Grabowski, 2007). Medicaid and Medicare programs do not sufficiently cover acute and long-term care services, an example. After the injury the disability process takes long. There is a language barrier, institutional barrier, and ratio cost-sharing. Also, cost shifting within health care settings, and cost shifting across health care settings needs major improvements. Policy holders should expand their critical

disabilities and they do not care about the income. A growth in premiums and high deductibles

The Social Security Disability system is only a microcosm of what ills the American job market. There are a number of welfare programs that currently provide a disincentive to those seeking gainful employment. One company published a report of a single mother with one child with a gross income of $29,000 and all the government assistance she receives actually makes $57,327 in net income and benefits. She would be better off than the mother with a gross income of $69,000 who after taxes makes $57, 045.

While these basic requirements can be challenging for a disabled worker, the most important requirement necessitates visits to the doctor and medical records. To qualify for social security disability insurance, the individual must prove that they are disabled. The Social Security Administration will ask for official medical records to prove a disability. In these records, the date when the disability was first diagnosed and the ensuing treatment must be listed. The records can only be given by someone with a medical license.

Many people with disabilities are not in labor force, therefore relying on social assistance benefits which also do not offer a lot. They are unlikely to be employed and those who work have low paying salaries.

These conditions generally interfere with a person’s ability to work and make a living. For this reason, people with disabilities are relying on Social Security benefits to support themselves and their families financially.

Without healthcare coverage, these children with disabilities and their parents would not be able to afford the medications that have helped them survive into adulthood (White, 2002). Children with disabilities could be place under their parents’ health care insurance or they could qualify for Medicaid on their own due to their disabilities. Medicaid is a health care program designed to help individuals with long-term care who are low-income so they families can apply for it.

If we cannot agree on a loss of wage-earning capacity we still have to take testimony from the claimant to see whether there are any factors which would aggravate or mitigate his disability. The claimant has largely been a heavy truck or equipment mechanic. He has a high school education and some technical skills. Some of this might be considered neutral or even aggravating.

Financial Status: (Income adequate for lifestyle and/or health concerns. Is there a source of health insurance? Employment disability?)

b. Disability Income Insurance Needs help determine financial needs and insurance coverage related to employment disability situations and how much disability coverage they need(Kapoor, Dlabay, Hughes, & Hart, 2014). It will help them too sort out the expenses if become disabling to work.

When sudden injuries or a serious illness make earning a living impossible, Social Security Disability Insurance (SSDI) provides cash benefits and medical care to qualified workers. Many newly disabled people find the application process dense and confusing and may even have trouble determining whether they're eligible to file a claim.