Monthly Archives: January 2013

Social Security Disability is not the problem in our Economy

There has been a lot of talk about how Social Security Disability is a big problem from the fraud in obtaining it, to the fact that it will run out of money. Here are the real facts. According to his his blog in the Wall Street Journal, Phil Izzo points out the FACT that in 2012, Social Security Disability benefit applications went DOWN. Not only that, the number of approvals were also down, in fact the approvals were at their lowest level since 2008. The approval rate of 33% is much LOWER than the approval rate in 1998 which was 50%. While this may be attributable to the fact that more people are applying with questionable disabilities, it shows that people are not being given a free ride through the system.

When it comes to SSDI and the people applying, there are two factors that play a part. First, the population is getting older so it’s just natural that there might be more people who are disabled; however second, as the economy improves, there will be more opportunities for people, both disabled and not, who are looking for work, therefore as they did in 2012, the numbers should trend downward. Overall, it’s time to stop blaming the countries woes on those people who have paid into the system and now, through no fault of their own, can not work. These people are an easy target.

For more reading on this see WSJ blog on Disability

As always if you have any questions about SSDI, please visit our website at


2013 – Who really gets entitlements

2013 should see many changes in the economy. It’s clear that the deficit is out of control and something needs to be done. While the tax hike on upper income levels was a start, other things are going to have to be undertaken in order to help get the budget to a more manageable level. One of the topics that people discuss reforming are “so-called” entitlement programs. What many don’t realize is that 58% of the money paid out in these “entitlements” goes to middle class families, those earning between $30,000.00 and $120,000.00. Many of these people are not looking for a free handout, but are people struggling due to the recession and dimmer job prospects. It can be argued that this is in fact not an entitlement, but a collection of money that was PAID in by the recipient, i.e. money the government collected from these people during the course of their working years. While it’s true that there may be more people collecting money than in the past, it’s money that’s paid into the system, much like collecting insurance when you paid the premiums for years. Real reform will come when we look at the budget as a whole; and while it may include some reforms in social social security, medicare (which are often lumped together but really are two different type of entitlement programs), it should also include programs where there is a vast amount of waste. If we only focus on reforming the so called safety nets (entitlements), those that are most vulnerable are the ones who will continue to be hurt. For more reading on this see 2013 report on entitlements

As always if you have any questions about SSDI, please visit our website at

Americans are sicker than other nations

Here is an article that was just on webmd. It talks about how our lifestyles are making us sicker as a nation as compared to other civilized countries. Even with better medical care, our nation struggles.

Why we are sicker

Getting information on the Social Security website – 2013

The social security website is full of information if you know where to look. Here are some of the links which you may find useful.

The home page for Social Security is located at,

To find out about your personal eligibility for benefits based on your work history, you can go to The Statement provides you with a personalized estimate of future Social Security benefits — retirement, disability, and survivors. It also provides your earnings record for your lifetime, allowing you to check to make sure your earnings are posted correctly.

If you misplaced your social security card, you can go to which will give you instructions on how to obtain a new card. will give you personal estimates of your benefits based on criteria you enter. will help you with your application for Medicare while will help with Medicare prescription drug costs.

Finally, for people who are already receiving benefits, allows you to make changes to your online profile, request information or just to check your benefits.

As always, if you have any questions about SSDI, you can get information at our website at