It's unfortunate that so many people view Social Security disability benefits as a type of welfare. They are not.
Social Security disability benefits are insurance benefits financed by payroll deductions from every worker's earnings.
Here are the top 3 facts proving that Social Security disability (SSDI) benefits are definitely not welfare:
1)
You paid FICA tax every day you worked. FICA stands for "Federal
Insurance Contribution Act." It's actually a Social Security tax. It
probably came out of every paycheck you earned during your whole working life. You paid about 7.5% and your employer matched that amount. That's about 15% of your wages, a lot of money. This money went into the Social Security disability trust fund.
2)
You were forced to purchase Social Security disability insurance (SSDI)
by the US government. You were not given a choice. This is a
government sponsored disability insurance plan, just like you would
purchase from an insurance company. The only difference, it was
mandatory--you were forced to buy it, no choice.
3) Social Security benefits are NOT paid for out
of the general US Treasury. When you
become disabled, money comes out of the disability trust fund to pay your benefit.
You paid this money into the trust fund out of every paycheck you earned. This is the same principle used by large insurance companies to offer
benefits to their policyholders. When you get an SSDI benefit check,
you are not spending government tax money. Disability benefits do not increase the national debt and do not result in higher taxes.
If you bought a disability insurance policy from State Farm and paid for it for 30 years, then became disabled, would you consider their payments to be "welfare"? Of course not.
If you need to file for Social Security disability, you should never feel like a charity case or that you are asking or a handout. You are only asking the Government to make good on the insurance contract they forced you to purchase when you reported for work at your first job! Nothing more, nothing less.
HELPING HONEST, HARD WORKING PEOPLE GET THE DISABILITY BENEFITS THEY DESERVE. WE WORK TO GET YOU MAXIMUM BENEFITS AS QUICKLY AS POSSIBLE. Phone (256) 799-0297.
Also, you do not have to be poor or needy to collect Social Security disability insurance. It is not just for persons who have no other financial support. You do not have to show financial need to collect SSDI benefits.
ReplyDeleteSocial Security disability has come under attack in the media as "the new welfare." It has become fashionable to write long, compelling...and false...articles about how Social Security has replaced welfare in America. Nothing could be further from the truth. There should not be a stigma attached to paying for a government mandated insurance benefit, then filing a claim when you become disabled. There is absolutely no shame in that.
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