How Medicare Is Financed By The Social Security...

How Medicare Is Financed By The Social Security...
How Medicare is financed
Medicare is funded by the Social Security Administration, which means it's generally financed by taxpayers. Payroll taxes paid by most employers,
employees, and people who are self–employed help finance Medicare. There are 4 parts of Medicare, each part is funded differently. Part A, the
Hospital Insurance (HI) Trust fund is paid by taxpayers. Employees pay 1.45% of their earning into the Federal Insurance Contributions Act (FICA),
which goes into the trust fund. Employers pay an additional 1.45% into FICA. Those who are self–employed pay 2.9% towards FICA. Individuals
making $200,000 or more and couples making 250,000 or more pay a higher percentage of 2.35% into the Health Insurance Trust Fund. The ... Show
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The remaining balance of 74.5 percent for the cost is funded by Medicare. Once more, higher–income beneficiaries will pay a larger share of the cost of
regular drug coverage.
Eligibility for Medicare
Medicare coverage is available for most people who are 65 years old or older. Individuals may find that Medicare offers better coverage at a lower cost
than the coverage they had previously (CPA Client Bulletin, 2012). However, a person is automatically permitted to Part A, if the participant or their
spouse are eligible for Social Security payments and have made payroll tax contributions for more than 10 years. To be eligible, the person must also
be a U.S. citizen or permanent legal resident. There are no income or asset tests, and the participant qualifies without concern of their medical
history or preexisting conditions. Participants do not pay premiums for covered services under Medicare Part A. However, if an individual is 65
years old or older, and has not paid enough Medicare taxes for more than 10 years, they pay a monthly premium to receive Part A coverage.
Specific groups of people who are not 65 are also eligible for Medicare. Adults under the age of 65 with permanent disabilities are eligible for Medicare
after receiving Social Security Disability Income (SSDI) for 2 years. Adults with End–Stage Renal Disease (ESRD) or Lou Gehrig's (ALS) disease are
likewise eligible for Medicare benefits. Coverage
... Get more on HelpWriting.net ...

Five Steps For Assessing Your Retirement Financial...
Five Steps to Assessing Your Retirement Financial Readiness
By Donald E. Schmidt | Submitted On August 15, 2013
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Expert Author Donald E. Schmidt
"Do I have enough money to retire?" As the wave of boomers approach retirement, this is the question on the minds of many. But, how do you find an
answer to this most important, but complex of questions? Will a refrigerator crate over an urban heating grate be your version of "condo living" in
retirement or will you thrive? There is a lot written on this topic, but how do you put the pieces together to get an answer for you?
As I have attempted to come to grips with this issue in my own retirement planning, I have identified five steps. Follow these steps and you should
have a sense of whether you have the financial resources to retire:
STEP #1: Determine your retirement income:
– Social Security: The Social Security Administration can provide an estimate of your retirement benefits. Get an estimate of your benefits at the
ssa.gov/estimator/ website.
– Pension Benefits: Pensions are becoming less frequent these days. If your current employer offers a pension plan, contact your Human Resources
Department

Summary: The United States Social Security Administration
The United States Social Security Administration (SSA) was founded in August 14, 1935 as an outcome of President Franklin D. Roosevelt's Second
New Deal. As an attempt to prevent future destituion such as the one the nation was experiencing currently in the Great Depression, the program
guaranteed an income for the unemployed and retirees 65 or older. Franklin D. Roosevelt created this in an "executive order." The President put this
into action by issuing an Executive Order. In the years following, the only changes to the program have been to expand the coverage for workers and
increase benefits provided. To this day, the SSA still functions as a major dependency of Americans. In creating the Social Security Administration, a
separate

The Welfare Program Must Be Expanded Without...
The United States does not spend too much on the food stamp (SNAP program) and no one deserves to go hungry. Every year during budget talks the
welfare program is a featured topic as the government explores ways to cut the budget. There appears to be a lot of unnecessary spending due to abuse
of the system and program administration complexity. There are many areas in which reforms could be instituted and the program could be expanded
without misappropriation of funds. There should be greater oversight on the program's overall administration. Those charged with determining
eligibility and administering the program need to receive more training and education on the more obscure program regulations. A personal example of
the systems shortcomings on training and the regulations is with the status of persons residing in more than one household rule. During the time of
eligibility, the applicant was newly married, but not living with spouse as he lived out of state and was denied benefits. In Chapter 1 of the Alabama
Department of Human Resources Points of Eligibility the government lays out rules about the status of a person residing in more than one household.
"When an individual resides in more than one household for a portion of the same month, he/she can be included in only one of the households.
Generally the determining factor for which household the above individual is to be included shall be the household in which the individual eats a
majority of meals." (Points of

Retirement Should Be An Enjoyable Experience
Retirement is supposed to be an enjoyable experience. Most seniors hope that their lifestyles will continue in the same fashion as it is at the time of
retirement. Retirement is anticipated as a time of more leisure, a time for slowing down from the daily rat–race and enjoying life. Many retirees hope
to take advantage of the opportunity to embrace a simpler lifestyle and experience less stress. Unfortunately, for many, this turns out to not be the case.
Although some retirees have planned adequately for retirement, many are ill–prepared. The statistics, when viewed, are alarming. Only 53 percent of
workers have retirement plans and only 48 percent actually participate in a 401(k) or retirement program offered by their employer. Some thirty–eight
million, approximately 45 percent of current households with working–age individuals, state that they have no retirement savings at all. "The median
retirement account balance is $3,000 for most working–age households–with and without retirement accounts–and $12,000 for near–retirement
households." (Farmer, 2015) (Carlozo, 2014) "Even for those who do have a 401k, IRA or other retirement fund, the median balance at retirement is
$120,000. That may sound like a lot, but for the typical household, that amounts to only $400 a month." (Sherter, 2014)
There are various reasons seniors might not have a retirement fund. A significant reason, says Anthony Webb, a senior research economist at Boston
College's Center for Retirement

Social Security Administration Case Study
A Proposal to Organizational Change Within the Social Security Administration
The Social Security Administration (SSA) came to fruition on August 14, 1935 when President Franklin D. Roosevelt, in an attempt to protect the
American public from against the hazards and vicissitudes of life, signed the Social Security Act into law. Since then, the Social Security has
developed into one of the world's most popular programs. The two principal programs of the SSA are Old–Age, Survivors, and Disability Insurance
(OASDI) and Supplemental Security Income (SSI). While the two programs are similar, there are notable differences between the two programs.
Specifically, OASDI programs are based on contributions made via payroll taxes, while SSI is based on need and ability to meet income and resource
limits.
Social Security is an intergenerational transfer of wealth; taxes paid by today's workers and their employers are not utilized to fund an account for their
retirement, instead the fund are used to supply the benefits of today's retirees (Desilver, 2015). Social Security is one of the most efficacious
anti–poverty programs in the history of the United States, more than 62 million Americans receive OASDI benefits with another 8 million receiving
SSI benefits (Social Security Administration, 2017). To aide with the administering of benefits the SSA operates... Show more content on
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Although, OASDI and SSI were created with the elderly and poor in mind, the two programs are failing the very people they were created for.
According to the Social Security Administration, "the DI fund will now be able to pay full benefits until 2023, and the retirement fund alone will be
adequate into 2035 (Colvin, 2016). The uncertainty of the future warrants change now, as the very people that are funding the programs, could possibly
not be covered in the near

Undocumented Students Should Not Be A Higher Education
Undocumented students have a harder time trying to pursue a higher education; this is due to the fact that they cannot receive federal aid. College is
like a safe haven for these undocumented students. Higher education gives undocumented students the opportunity to better themselves as individuals.
Higher education also allows undocumented students to pursue a better life for themselves and for their family. Every year over 65,000 undocumented
students graduate from high school in the United States (Gray). Experts estimate that fewer than 6,500 of those undocumented students actually go on
to attend college (Sheehy). One reason for why the amount is so low is because college is expensive for these undocumented students. Undocumented
students are unable to achieve any of these goals, that is, unless they receive federal aid. It is sad to see undocumented students give up on their dream
to attend college and get a higher education.
The lack of money and federal aid makes it harder for undocumented students to have a higher education. There are many reasons for why these
students are not able to afford college. Many come from low–income families who most likely do not have money saved up for their child's education.
The fact that they are undocumented prohibits them from receiving any form of federal aid. Undocumented students may also not be able to afford
college because they do not have a decent paying job. Many people say that undocumented students should not receive

Social Security
The Inevitable Future
Retirement and Social Security issues have become local, national, and international concerns that will also affect each of us on a personal level.
Social Security benefits began in 1935 when the depression hit and put many elderly people out of work (http://ssa–custhelp.ssa.gov). Social Security
has been around for over 70 years providing a dependable monthly income with automatic increases as the cost of living increased. The Social Security
Administration reports that workers need 70–80 percent of pre–retirement income once retired and Social Security only provides about 40 percent
(www.ssa.gov). The depletion of funds is becoming a great concern and is also getting worse with each generation. Social... Show more content on
Helpwriting.net ...
The money available for retirement is a critical factor in determining when a person can afford to retire. If there isn't enough money to live off of
and receive on a monthly basis then it will prolong my retirement and I may have to keep working. Other things that I see an increase in are
homelessness and poverty rates because these things happen when people aren't receiving adequate income to support themselves, especially the
ones who are disabled and unable to work.Although this is worldwide concern and most of it is out of my control, I know I can be proactive and
take a step to get ahead to save for times like these. Setting up a 401K when I am of age through future employment, contributing to an IRA, or
investing might be good choices to plan for retirement. This way if Social Security benefits didn't exist any longer I would have another source of
funds for living when I choose to retire. Social Security was once considered "Americas Family Protection Plan", because it is not only for those who
are retired, but it also provides disability and survivors insurance protection (http://www.ssa.gov). This crisis will have a great affect on many people,
therefore regardless of age everyone should have a concern. If it doesn't affect them specifically it will affect others that they care about including,
friends, parents, kids, and

The Government Has Changed Society
Theresse Weigand–Watkinson
Bethany Gallant and Stacy Vocasek
English 10–5
16 December 2015
The Positive Government Did you know that the government has helped over 306,804,000 (Jeffrey) people and families just from the last four years
alone? Since 1789, the government has been finding ways to try and help citizens deal with poverty and other economic crisis'. From creating the
Constitution and abolishing slavery, the government has started to create programs to help certain people and families overcome other rising issues.
The government has been successful in creating these programs that support the needs of the citizens who require them. People would suggest that the
government has affected society in a negative way but, different credibilities would beg to differ. The government has influenced society in a positive
way by creating programs such as Supplemental Security Income (SSI), General Public Assistance (GPA) andSocial Security to help citizens conquer
poverty.
In the 1930s, Franklin D. Roosevelt was elected as our 32nd president. One of his first acts as president was, he sent 15 major bills to congress to try
and pick up the mess that our previous president, Herbert Hoover, left for us (Glencoe The American Vision 652). One of those major bills were
Social Security, Social Security includes programs within itself as well. Such as, the Supplemental Security Income Act. The Supplemental Security
Income Act has helped over a thousands of people who are blind,

The Adams Equity Theory And Evaluating The Goal Setting...
Director of SSA
Utilizing the Adams Equity Theory and evaluating the Goal Setting theory, employees are in need of evaluations to assist in improving their work
ethic, knowing what they need to improve, and to motivate. Directors in Social Security Administration use an effective tool to assess their employees.
Case Context:
A. As a Director of Classification and Organization Management (CCOM) the Department is to provide the highest level of quality classification and
position management service to Social Security Administration. As a Director of CCOM, the duty is to provide the development of creative,
results–driven approaches to recruitment and placement, strategic rewards, continuous learning, and employee and labor–management relations is an
increasingly important function of the HR office.(OPM, GS–0200, 2000) In key to demonstrating leadership one has to also display a mastery of HRM
legal and regulatory principles, concepts, practices, and techniques of either specialty, consultative skill, and seasoned judgment sufficient to provide
authoritative advisory service and/or develop authoritative policy interpretations, plan, organize, and conduct research of complex legal problems that
involve major areas of uncertainty in approach, methodology, or interpretation to identify appropriate courses of action.(OPM, GS–0200, 2000) As the
Director I am acting as the perceiver, which consist of interpreting targets or objects, whom are my employees, as they display

US Social Security Administration: The Marginalization Of...
Women have been marginalized amongst the groups of populations in various areas including social security. Even though senior women are more
dependent on social security as a means of livelihood, they receive less benefit as compared to their male counterparts. According to the USA Social
Security Administration (SSA) Fact Sheet that was published in 2016, "Senior women depend on social welfare for 90 percent of their earnings.
However, they receive a considerably lower amount of benefits than men. The fact sheet states that women over the age of 65 years receives a median
of $13,150, compared to $17,106 that men of the same age group receive (U.S. Social Security Administration, N.D)". SSA blames the disparity on the
considerably lower income

Social Security Act For Disabled And Elderly Population
In August of 1935 the federal Government created the social security act to help the disabled and elderly population that could no longer work. Social
security act was part of several acts that fell under the New Deal programs under President Franklin D. Roosevelt that helped get America through the
Great Depression. "Social security is the largest US federal program and the most enduring legacy of the New Deal" (Beland 1). From February 3, 2015
to February 12, 2015 there have been 8 people convicted of social security fraud totaling over 690,000 dollars (Office of the Inspector General). Today
the Office of the Inspector General for the SSA (social security administration) website list the many different categories that fall under social security
fraud, but I will cover just a few of these. The first is where individuals continue to collect SSA payments after one of their parents passes away.
Second are people who use a deceased person's social security number to collect SSA payments. Third are people who make false claims saying they
are injured and can no longer work or making false statements in a claim to make their injuries to be worse than they were. There are three ways this
third group can fraud the SSA: this includes returning back to work without reporting it to SSA and still collecting payments; work at jobs that pay
cash; or acquiring a fake social security number so they can return to work without alerting the SSA about their employment. These people are not

Social Security Administration (SSA)
The Commissioner's explanation for the delay is that the Social Security Administration (SSA) was not permitted to expend appropriated funds to
commence work on assignments until July 13, 1993, when Congress enacted the Supplemental Appropriations Act of 19932,3. The Commissioner also
states that the task of researching employment records for approximately 80,000 coal industry workers in order to determine the appropriate signatory
operators was a lot of work that required more time and hence he was unable to complete this task by October 1, 1993, in absence of additional
resources. The respondent companies counter provided a counter argument stating that the Commissioner had assured the Congress less than a month
before the statutory date

Positive Feedback On Your SOCW 6392 Aging Population Class
For a start, I just want to give you some constructive criticism/positive feedback on your SOCW 6392 aging population class. As a student, I have
observed your meticulous teaching strategies and active listening skills. I truly appreciate your classroom rules and how you quickly check someone
(put them in their place) if they try to step out of line. With a structured class, students are able to stay focused on the course materials and are less
likely to get distracted/off topic than when in unstructured/unorganized settings. Parallel to this, you are always actively looking around for other
distractions, such as, laptops, cell phones, and other electronic devices. You have displayed your level of professionalism by providing ample amounts
of self–disclosure stories about your personal, social work experience (social worker/student/ombudsman) all while keeping twenty–five students (give
or take a few) engaged throughout the duration of the lecture. Furthermore, I have noticed/admired your (above average) active listening skills that you
have demonstrated throughout the semester. For example, when a student would ask a question and could not fully complete their thought or idea, you
would always step in and smoothly articulate their story and connect it to a real life situation or social work field related – and for that, I am thankful
for having a professor that is detail oriented and caring. With that being said, let me start off by introducing the highlights of what

Should Teachers Retire Before 60 Research Paper
At what age should teachers really retire?In this article I read was explaining on why it's important to retire before 55.Sometimes the body can't last
long enough when you are already like 50 but sometimes you have to because there things that happen in life that just come out of random even.But
when you have a good job like being a lawyer,doctor etc. you can retire whenever you want.
One reason teachers should retire before 60 is important to everyone.The reason teachers should retire before 60 is because then he/she can live a
longer life.In this article it tells us that "who ever retires at 55 gets to live until average of 83 years old".If I was a teacher I would retire as soon as I
turn 54 because I would really like to live up to atleast ... Show more content on Helpwriting.net ...
In this website/article talks about the reason why it's bad retiring late the article said, "Who ever retires at 65 only last, on average of up to another 18
months of life".It says here that there has been a case in Dunbar high school a teacher name Oscar Morgan he died of a heart attack in his classroom
where the dead person was only 47 years old.In this newsreport also told how oscar morgan may of died of working to hard and not getting enough
sleep.
My final reason talks about on how the teachers are calculated to earn their retirement benefits.In the same article I found that the teachers have a type
of calculator where they can estimate what their retirement benefits are going to be.In the article it states that the ,"CalSTRS gives 2% at 60: for those
first hired on or before December 31,2012 this is the formula for calculating a member–only defined benefit: Age factor x Service Credit x Final
compensation = Member only retirement benefit". What this article is trying to say is that it all depends on how long and how much time you've been

The Economic Failure, Collapse, Depression Or Recession?
An Economic failure, collapse, depression or recession is very much a real possibility that appears to be starting in the United States, today. In fact,
unless the entire mindset of money and economics changes in America, it is inevitable. While the economy is beginning to slowly perish, it appears
only a few are willing to help. The question must be asked, how do we protect ourselves from this unavoidable collapse? However, contrary to popular
belief, there are multiple steps to protect against self–debt while also bolstering the entire economy's wellbeing. First, one must understand there are
multiple unforeseen expenses from college debt to death in the family. Each expense seems as nasty and as large as the next. However, these costs
can be alleviated with the proper protection. This is also true with country wide failures such as a depression or a stock market crash. Finally, this
type of safety is far from being selfish. In fact, this kind of spending directly helps the economy more than lucrative spending. It comes down to
this; one should save money now to help their economy because it will prepare for unforeseen financial failures as well as aid in supporting the
weakening economy. First, let us delve into the some of the more pertinent kinds of unforeseen expenses possible. Obviously, there are a few that can
never be completely avoided such as death or health issues. If a family member dies unexpectedly or one becomes ill, it is impossible to completely the

Lee County DHR Case Summary
Lee County DHR's testimony revealed that the case with the non–custodial parent (NCP), Felton Harley, Jr., begin back in 1992 when the custodial
parent(CP), Wanda Marshall, applied for services to establish a paternity order, income withholding (IWO), and medical. An order was established
and the NCP was paying child support. On July 9, 2008, the CP requested enforcement; DHR filed contempt against the NCP because he had not paid
a child support payment since April 2008. The NCP appeared in court and paid $400.00; the court dismissed the review because an IWO had been
mailed and the payments were being received through the IWO. On November 5, 2010, a contempt action was filed again, due to the NCP not paying
child support since August 2010. ... Show more content on Helpwriting.net ...
On October 22, 2014, the FIDM lien was requested in accordance with the Code of Alabama 1975 30–3, 30–3–197 and 30–3–198. On October 23,
2014, the Secretary of State acknowledged the lien and the levy was requested. On the same day, the Notice of Levy was sent to the financial
institution. On October 27, 2014, the levy package was generated for the NCP. On December 9, 2014, the Lien Unit received a notice from the Navy
Federal Credit Union that account numbers 3019677362, 3044625709, 7034239553, and 3044624900; the accounts have zero funds for payment. The
levy was released; it was re–added due to the account on the FIDM screen; not listed on notice having funds. On that same day, the FIDM levy was
released on the account #530116705. Again, on that day, the FIDM levy was requested and the notice was sent to the financial institution. On
December 11, 2014, the FIDM Levy package was produced. On February 25, 2015, the NCP contacted the Lien Unit and stated that he had sent a
statement of benefits letter from social security about two weeks ago. The Lien Unit told him that they had not received the information and requested
the NCP to send the information and the Request for a Review Form via fax to expedite the process. On March 20, 2015, the Lien Unit contacted the
NCP; he stated he mailed the statement from social security about a month ago and wanted confirmation that it was received. The NCP was advised
that no documents had been received. Again, the Lien Unit requested the NCP to fax in the documents. On March 25, 2015, through contact of voice
mail, the Lien Unit requested the NCP's last three months bank statements on the account affected by the lien or where the social security benefits are
deposited. Later that day, the Lien Unit informed the NCP that theSocial Security Administration

Social Security Is The Most Popular Government Program
What Is Social Security?
Social Security is the most popular government program and touches the life of every worker in America, but most people know little or nothing about
how it operates. The following discussion explains what Social Security is and how it operates.
Social Security 's Major Programs.
While most discussions focus only on Social Security 's retirement program, Social Security actually consists of three major programs, all of which are
administered by the Social Security Administration. Specifically:
Retirement.Social Security 's retirement program provides a lifetime monthly income for qualified workers once they reach their full retirement age.
Depending on when they were born, that age ranges from 65 to 67. The amount of retirement benefits that a worker receives depends on his or her
income while working. Workers also have the option of receiving a lower monthly income starting at age 62.
Survivors. Social Security 's survivors program provides a monthly lifetime income to the surviving spouse of a deceased worker once he or she
reaches retirement age. The amount of the monthly benefit depends on both spouses ' income while they were working. The survivors program also
pays benefits to children under the age of 18 and the surviving spouse caring for them. Unless they are disabled, children 's benefits end when the last
child either reaches age 18 or graduates from high school, whichever is later.
Disability. Social Security also pays lifetime

Essay about Privatization of Social Security
It's a matter of either losing all that you have worked for and live in poverty when retired or allowing your hard earned dollars to grow and have a
secure comfortable retirement. I believe that Social Security is a doomed Government Program and that Privatization of Social Security would allow
for a more secure retirement plan for all Americans. Social Security was first created to help aging Americans in their senior years so they would not
end up in poverty. Social Security was signed in as law on August 14, 1935 by President Franklin D. Roosevelt and was fully operating by 1940
(SSA). Originally a retirement program, but Social Security now includes survivor benefits, disability benefits and Medicare and all together is the
largest ... Show more content on Helpwriting.net ...
It will leave my generation, our children and grandchildren, with back breaking taxes, which will have its own domino effect of causing ever
increasing inflation (Trust). To be eligible for Social Security, which once was at age sixty
–two for full benefits and now is age sixty–six and soon will
be sixty–seven and as the years go by who knows what the retirement age will be for us (SSA). Social Security is paid through payroll taxes which
pay for the benefits of today's retirees (SSA). Money in excess of what is needed to pay today's benefits is invested in special treasury bonds. This
system works well when there is a rather high ratio of workers to beneficiaries or retirees. For instance, in 1960, there were 5.1 workers for every
Social Security recipient or retiree, but the demographics are changing because Americans are living longer and are having fewer children (Crane).
Today, there are 3.3 workers paying Social Security payroll taxes for every one person collecting Social Security benefits (Crane). That number will
drop to 2 to 1 in less than forty years (Crane). At this ratio there will not be enough workers to pay scheduled benefits at currents tax rates. The last
reason why social

The Commissioner Of Social Security Essay
Service Delivery
The Commissioner of Social Security is responsible for administering the OASDI program and service delivery. They are not there to collect FICA
taxes. FICA taxes is performed by the Internal Revenue Service of the Department of the Treasury. The Secretary of the Treasury supervises the
preparation and mailing of benefit checks or direct deposits on debit cards and banking accounts. They also provide management and investment of the
trust funds. Social Security numbers is an identifiable method used for posting and maintaining the earnings and employment records of persons
covered under the Social Security program. Employers are in charge of withholding FICA taxes from their employees' paychecks. They must forward
these amounts, along with an equal amount of employer tax, to the IRS on a regular schedule (Old Age, Survivors, and Disbiilty Insurance, 2016).
If an insurer is employed, employers must file wage reports through (Form W–2) with the Social Security Administration showing the wages paid to
each employee during the preceding year, at the beginning of February. The W–2 form will be shared with the IRS. If an insurance holder is
self–employed persons report their earnings for Social Security purposes and pay SECA taxes in connection with their Federal income tax return.
Information from self–employment income reports is sent by IRS to SSA. These reported earnings are placed in the worker's record at SSA
headquarters. The payments are certified by SSA

Why The 1981 Failed At Reforming Social Security Under The...
The reasons why the 1981 attempt at reforming Social Security under the Reagan administration failed, as detailed in Chapter 8 of Martha Derthick
and Steven M Teles' The Reagan Presidency: Pragmatic Conservatism and its Legacies, boils down to the following factors: it did not have a clear
goal in mind about Social Security reform (Derthick, Teles 187), it had a poor working relationship with Congress on the issue (Derthick, Teles 185),
and leadership, on part of the president, was lacking (Derthick, Teles 192). In contrast, the attempt at reforming welfare in the 90s, as chronicled in
Chapter 4 of Gary Bryner's The Great American Welfare Reform Debate Politics and Public Morality, was successful because the Clinton administration
worked ... Show more content on Helpwriting.net ...
Those who have paid into the system expect to get their money back when they retire, which makes cutting benefits politically hazardous and
explains, in part, why the Reagan Administration's attempt at reforming Social Security failed. Social Security was facing insolvency if steps
were not taken to resolve the gap between benefits going out and tax receipts being collected (Derthick, Teles 183). This prompted many actors in
the political sphere to take part in the reform effort. The most influential actors in this process were Office of Management and Budget director
David Stockman, Speaker of the House Tip O'Neill, President Reagan, Congress, and the Department of Health and Human Services. As a political
actor, David Stockman was not too interested in the possible political repercussions of Social Security reform. Instead, he was mainly focused on the
budget cutting aspect of reform, irrespective of Congress' reaction. Stockman was the main proponent of the administration's Social Security reform
proposal sent to Congress that had "deep and immediate cuts in benefits for early retirees" (Derthick, Teles, 184). When Congress saw this proposal,
they quickly disowned it (Derthick, Teles, 184). Speaker of the House Tip O' Neill used this reform proposal and its ensuing rebuff from Congress to
his political advantage; as a result, Democrats would forever "portray

Illegal Immigration Is A Serious Problem Because It...
The displacement of people from their place of origin to other places, areas or countries (immigration), has always existed. These shifts or changes of
residence occur for a variety of reasons: search of food, settlement of new lands, horror of wars, political causes, ect. Today most immigration to the U.S
is Mexican and other Central America countries, for needs work or family connections. According to MPI estimates, about 8.1 million (71 percent of
the total unauthorized population) unauthorized immigrants in the 2008–12 period were born in Mexico and other Central America countries. About
1.5 million (13 percent) were from Asia; 817,000 (7 percent) from South America; 455,000 (4 percent) from Europe, Canada, or Oceania; 317,000 (3...
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It is a really important issue because fighting against this kind of immigration is equal to fight against future threats toward the country. I would not
like to see on TV another September 11, or another kind of terrorist act just because the government did not make new rules. So I think Illegal
immigration is one the major problems in U.S even though they come here to get a job or just to live with his family.
We are living in society and society needs to guarantee security because without this nobody can enjoy their rights. People cross the border illegally or
overstay their visas due to the availability of work in the United States. Some strategy to reduce illegal immigration must therefore increase the number
of legal workers and then punish those employers continue hiring unauthorized workers. Social Security card is required to combat fraud, and allow
employers to easily check the documents submitted by legally authorized workers, both US citizens and non–citizens. I am the example of this because
I am not American citizen but I got my social security number through authorization worker and with my visa I just can work legally inside the
university, but not outside. According to Social Security Administration generally, only noncitizens authorized to work in the United States by the
Department of Homeland Security (DHS) can get a Social Security number. Social Security numbers are

The Importance Of Funding The Social Security Administration
Everyone has the right to live their life how they want, secure their belongings, and liberty. The main principles of the United Nations Declaration of
Human Rights are equality, speech, freedom to bear arms. I'm calling on you to divide more funding to these three agencies, Postal Services, National
Security, and Social Security Administration. In order to help with the United Nations goals. Funding the Social Security administration would help the
unemployed, disabled, and the low–income.
The Postal Service was created by the British Parliament in 1711. In 1775 the United States postal system was established by the second continental
congress with Benjamin Franklin as the first postmaster general. The Postal Service sends mail to people and businesses in the U.S. but also
delivers packages. The White House is one of the postal service's biggest accomplishment because if it wasn't for them you guys wouldn't get mail or
letters or communicate to one another from different states. "The Postal services delivers mail six days a week to nearly 143 million addresses. Every
year this number increases by 2 million" (Joe Baca).
Another key agency that would help the U.N. reach its goal is the Social Security Administration. The Social Security Administration was created in
1935 by President ... Show more content on Helpwriting.net ...
National security can go way back till 1917. NSA intercepts the communications of billions people worldwide, many of them are American people and
tracks the movement of hundreds of millions of people using their cellphones. The National Agency will keep criminals away and help lots of people
stay safe. "When we think of the major threats to our national security. The first to come to mind are nuclear proliferation, rogue states and global
terrorism. But another kind of threat lurks beyond our shore, one from nature, not humans" (Barack,

Summary: The Social Security Administration
The Social Security Administration was created August 14th of 1935, when President Franklin D Roosevelt signed the Social Security Act. The
mission of this agency is to "Promote economic security for the nations people". They strive to provide financial benefits and assistance, support and
retirement plans for workers and their families. Until the year of 1995 this administration was under the Department of Health and Human Services,
after then it has become its own agency. This agency was created as a result to a long term development for the country to allow citizens retirement
and disability for those who are unable to work, all while not becoming in poverty. The SS agency has two trust funds, Old Age and Survivors and
Disability insurance.

Social Security Disability Advantages
If you are in the process of applying for social security disability benefits, make sure that you avoid the common mistakes outlined below that many
applicants make.
#1 Not Getting Help Right Away
Filing for social security disability benefits is not as simple as filing out a few forms and quickly getting approved. It is a multiple–step process where
you have to prove how much money you were making, prove that your disability fits the qualifications and prove that you meet all other criteria as
well. Many people make the mistake of not asking for help until their application has been rejected.
You are going to have to fill out multiple rounds of paperwork, and it will be on you to make sure that everything is received and correctly added to
your case file. It can be a tremendous benefit to ... Show more content on Helpwriting.net ...
Your attorney can ensure that your case starts and ends strongly. As soon as you know that you will be filing forsocial security disability benefits, you
should find an attorney to assist you with the process.
#2 Failing To Meet Deadlines
The second mistake that many applicants make is failing to meet the deadlines that the Social Security Administration sets for them. It is vitally
important that you take these deadlines seriously. As soon as you are notified that additional documentation is needed, you should do everything you
can to get that document together and send it off immediately.
When you send it off ahead of time, that gives you time to verify and make sure that the documents are received and were what the SSA wanted to
receive.
If you wait to send it until right before the deadline, you risk your paperwork not being received and processed on time. When you do this, you also
don't give yourself any time to send additional paperwork if what you sent the first time is not what the SSA was actually looking for.
#3 Failing To Check Up On Your

Mathew V Eldridge By George Eldridge
On account of Mathew v Eldridge, George Eldridge started the demonstration in District Court to challenge the protected legitimacy of the managerial
systems instituting by the Secretary of Health Education and Welfare for instituting whether there exists a proceeding with sick wellbeing justifying a
beneficiary to Social Security Disability (SSD) assistances. Subsequently Eldridge was advised that his assistances would end without a prospect for
a previous hearing. Eldridge completed it, specifying that his situation had not gotten better. The office then acquired reports from his specialists, and
made an unconfirmed decision that his disability had stopped. Eldridge was told of the proposed end, and prompted that he could ask for extra time
to submit extra data with respect to his condition. Eldridge 's transcribed reply questioned one portrayal of his condition, and showed that the office as
of now had enough data to verify his disability. The made its last decision to end assistances and told Eldridge that he could look for reevaluation
within about six months. Eldridge depended on Goldberg v. Kelly (welfare advantages case) to back his dispute that it was unlawful to end his SSD
assistances without a pre–termination hearing. The District Court held that Eldridge must be allowed a pre–end hearing, asserted by the Court of
Appeals. "An intelligent heart acquires knowledge, and the ear of the wise seeks knowledge."(Proverbs 18:15 ESV). The reader agrees with George

Essay On Manifest Destiny
American culture has changed over time as the country has grown. It is important to know our history so we can avoid the same mistakes that our
ancestors made before us. With knowledge of our history and our prior mistakes, we can learn from them and make better decisions in the future.
Louisiana purchase was one of many seminal events in the history of the United States. However, it began the debt we are still in today; the Louisiana
Purchase gave us the land that began the Manifest Destiny. "The term Manifest Destiny originated in the 1840's when John L. O'Sullivan said in an
article that it was the American colonist's Manifest Destiny to spread over the continent and that God had given them the land for the sole purpose of
multiplying ... Show more content on Helpwriting.net ...
"The United States spent $598.5 billion dollars alone on the military in 2015. That is 54% of all spending in 2015. The US only spent $70 billion
(6%) on education and $13.1 billion (1%) on food and agriculture." ("Military Spending"). This shows what Americans really value.
Likewise militarism is along the same lines of racism. In America, men are known to be the "stronger" sex. Most of the time men are known to run
things such as the house, military, and to have the higher paying job. "In 2016, women working full time in the United States typically were paid just
80 percent of what men were paid. In 2016 the pay gap was smaller in New York, where women working full time, year–round were paid 89 percent of
what men were paid. The largest gap was in Louisiana, where women were paid 70 percent of what men were paid." (Miller). Pay gaps doesn 't
only differ between men and women, but with race." Asian women's salaries show the smallest gender pay gap, at 87 percent of white men's
earnings. The gap was largest for Hispanic women, who were paid only 54 percent of what white men were paid in 2016" (Miller). Unfortunately this
isn 't the only type of racism in the US. On October 10, 2017, "School Officials say a Christian youth group called Young Life was hosting a country
themed event for kids when a few students went outside and posed and took pictures with the Confederate flag." (Brown). In most cases, you see things
such as this in most southern states.

Statement Of Purpose: The Social Security Administration
As a member of the Social Security Administration I have had the privilege to perform duties in two positions. My present position is a Claims
Specialist in the Ansonia, CT field office where I have the opportunity to work with programs such as Retirement, Medicare, Disability, Supplemental
Security Income, Overpayments and Underpayments, Appeals. My previous position was a Service Representative at the Bridgeport CT field office.
During my tenure in this position, I engaged in duties such as enumeration, post–entitlement changes, benefit and appeal explanation and Medicare
Supplementary Medical Insurance Special enrollment. In each new challenge that I have engaged in my career, I find great satisfaction of my service
to the public and

Social Security and Medicare Seeing Through Loopholes Essay
People receiving Social Security and Medicare need to prepare for drastic changes. Social Security and Medicare in unity has been around since
1965. President Lyndon B. Johnson decided to help the elderly pay for expensive medical necessities from doctor visits to medicine. President Johnson
knew that elderly individuals would have less income and pay more for medical necessities than younger individuals. He made Social Security and
Medicare a number one priority during his presidency, unaware years down the line funding would become scarce and so many doctors and
pharmaceutical companies would try to squeeze the life out of it. Through the years doctors' and pharmaceutical companies have become greedy.
Doctors diagnose patients, ... Show more content on Helpwriting.net ...
For example, the benefits are made up of taxes taken from the working class people and distributed by a circular calculations based upon the cost of
living. In Joseph and Dorothy Matthews book Social Security, Medicare & Government Pensions they point out the different obstacles funding these
programs will face:
Social Security is facing pressure to lower benefits... due to longer life–spans, an overall population increase ...the Baby Boomers beginning to reach
retirement age, and the increase in the number of people receiving Social Security and Medicare benefits. If the system continues as–is, the total
benefits will eventually surpass the amount of taxes paid into the system by younger workers. If the system is not altered at some point full benefits
will not be paid as promised. (13)
Furthermore, in a decade Social Security recipients will face further denial of benefits, whether they are eligible or not due to the decrease of funding
payouts. While currently eligible recipients fall short of receiving benefits and hire attorneys to battle for their money's. Within a decade denial of
benefits will become a more established problem with a greater failure rate, one of the main reasons why changes are in the making early.
Those fortunate to receive benefits will still face problems with choosing plans that may or may not cover the type of specialist needed for their
particular illness or disease, but Social Security and

Persuasive Essay On Saving For Retirement
When you are young you always hear people saying it is never too early to start saving for retirement, but at that age the last thing you want to do
is put your money towards ending the career you are just trying to start. It is hard to imagine a time where you won't have to go to work on a daily
basis, to make a wage, in order to pay your bills, but the ultimate goal is getting to that time in your life where you don't have to go to work and the
bills are already taken care of. The hope for everyone is that the bills are taken care of and you are able to focus on leisurely things you did not have
an opportunity for while employed. What we fail to realize is that the longer we wait to save the more we have to be concerned with the pressure of
time running out and not enough money saved. Not to mention the sooner you start saving the more time you give your money to grow.
Let's be honest, we simply can never have enough money, so when you are planning for a time where you have no income you must prepare
accordingly. Many Americans are under the false impression that when they retire Social Security will cover their living expenses, but the reality is
that the average Social Security benefit is $1180.80 per month. With the federal minimum wage being $7.25, a Social Security check is nearly
equivalent to a minimum wage job, which is hardly a livable income for most people. The average wage needed for a two–bedroom apartment
throughout our country is $20.30, so that goes to

Social Security Programs Essay
America's Social Security Program's Change Over Time
America's Social Security Program is much different from any other financial security system around the world. The initial framework for America's
Social Security Program modeled German and Bismarckian financial security programs, and its primary goal was to regulate "mandatory social
insurance financed from payroll taxes" instead of a model similar to the United Kingdom's "flat–rate benefits subject to a means or earnings test"
(Hoskins). In addition, President Roosevelt stressed the distinction between social insurance and social assistance, expressing "preference for 'earned
rights'...that financing should be based on worker/employer contributions rather than general revenue financing" ... Show more content on
Helpwriting.net ...
In order to counteract the worsening government Social Security Program, America must implement individual retirement programs unique to each
citizen and effectively regulated by asset managers. This new social insurance would be independent of government regulation and unreliant on the
declining population. In addition, it would create more job opportunities in the future by increasing the need for employment among asset managers. In
turn, this increase in employment would strengthen individuals' economic status, the public economy, and not cause any negative effects on the
individual retirement programs. Also, the use of individual accounts would actively exemplify America's government emphasizing the importance of
America's mantra of liberty and freedom in an economic perspective. The implementation of individual accounts works in increasing Americans'
individual private income, stabilizing America's public economy, and maintains important cultural integrity of personal liberty with financial freedom,
making a very effective solution to America's defective Social Security

The American Social Security System
The American Social Security system is projected to help people with limited financial resources, including the poor, the physically disabled, the
mentally ill, and the elderly (Grabianowski 2015). It was created in response to the pervasive poverty during the Great Depression to provide workers
with a basic level of income in retirement, as well as disability pay and life insurance while they work (Kessler, 2014). In addition to providing
benefits for workers, it also covers their dependents, immediate family members, and even divorced spouses, at the time of serious accidents or
illnesses (Kessler, 2014). The first widespread social security program I America was the Civil War Veteran pensions in 1982 that supported injured
Union veterans or to their widows. This plan expanded in 1910 to include Civil War veterans and their survivors (Social Security Administration). As
America went into economic recession following the stock market crash of 1929, the Great Depression brought a strong focus on the need for a
comprehensive system that provided assistance to the poor and elderly, so they could live independently (Social Security Administration). In 1934,
President Roosevelt formed a Committee on Economic Security (CES), who came up with a plan that allowed workers to put a small percentage of
their pay into an aggregate account that could be drawn when they retired, to help meet their monthly expenses, which became the Social Security Act
(SSA) in 1935 (Social Security

Case Study: The Social Security Administration
From 1880 to 2015, the Social Security Administration has recorded 83,686 babies born with the first name Maxwell in the United States
(Names.org), and I am the only one with my specific name. I did not know much about my names before this assignment; the one fact that I did
know was that my last name was part German. This seemed obvious to me because Smaglick looks and sound German. However, there was a lot of
stuff that I wanted to learn about my names, such as where my ancestors came from and why I was named Maxwell. The first place that I looked for
information about my names was the Behind the Names website. Next, I explored the library to find a book source. Then, I searched the
MyNameStats.com website. Finally, I conducted an interview... Show more content on Helpwriting.net ...
Gerald, which I got from my dad's father, James Gerald Smaglick, is an Old German name that means "mighty (Smaglick) (Astoria)." I kind of
expected more than just my name to be German. Also, I guess my parents knew that I would be a protector someday. Gerald, which is ranked
number 764 in popularity in the United States, is derived from names such as Gerry and Jerry (Behind the Name). I did not know how popular my
middle name was. Also, it makes sense that Gerry and Jerry are derivatives of my middle name. After I finished researching my middle name, I then
started to find information about my last

The Social Security Problem By Max Moore Summary
Introduction In the essay, "The Social Security Problem," published in Sticks and Stones and Other Student Essays, Max Moore addresses the
complex issue of Social Security running out of funds. He also addresses the possible actions that can be taken in order to provide a solution to this
problem. Moore targets different audiences that are either directly affected or in control of this depletion of funds. He uses credible evidence to
support his claims while also approaching the subject in a balanced and unbiased manner. Moore wants Social Security to both raise the retirement age
and raise taxes.
Summary
In "The Social Security Problem", Max Moore discusses the fearful reality of Social Security running out of funds. He states that the U.S.
Department of the Treasury predicts that Social Security funds will run out by 2041 and action must be taken in order to prevent this (134). In his
essay, he explains how the depletion of Social Security funds are a result from a decreasing retirement age, decreasing fertility rate, and shrinking
work force. These things contribute to an increased population relying on Social Security, an increased population of the elderly, and a decreased ratio
of workers paying for those beneficiaries (135). Moore explains the proposal of George W. Bushto make Social Security partially privatized; allowing
young workers to invest their retirement savings into their own account. This would result in people putting their retirement on the line in

Why Do Now For Our Clients?
Good morning,
It's not every day that I get phone calls on the hour every hour from the agents we partner with but over the last week exactly that has happened. Why,
you ask? "Why" would be due to the changes in the national budget in regards to Social Security. We have had repeated questions about what to do
now for our clients? The reality is that NOTHING has changed in regards to the marketing and sales revolving around Social Security. The changes in
question actually only impact the ancillary benefits revolving around the File and Suspend strategies.
File and Suspend have traditionally been used for higher income earning couples where you have a spouse who has not worked or has not paid much
into social security so instead of claiming on their own benefit they claim on their spouses. The reason the primary spouse would typically file and
suspend was due to continuing to work; so they would file to activate their spouse's benefits and then suspend so they could continue to crank money
into SS while they continue to work.
This strategy have typically resulted in about a 13% lifetime increase in income for the couple...at a burden of $9.5 BILLION to the social security
administration. They needed to close the loophole to help better fund SS and to level the playing field a little. The reality is that only about 30% of
your customers would have been able to take advantage of this strategy. Does that mean we can no longer help them? Of course not! It just means we
will now

Bshs/422
Final Exam
Monty Picklesimer
BSHS/422 – Cultural Diversity and Special Populations
January 28, 2013
Shana D. Lewis, LPC, NCC
Final Exam
1. What do you need to find out about Esmeralda and her family in order to create the most comprehensive treatment plan? Consider all–important
areas that effect Esmeralda and her children's overall wellbeing based on the information given in the case study. Be specific, identify, and list what
areas need to be included in Esmeralda's treatment plan. How will you find out this information?
1. Esmeralda is determined eligible for services after the intake staff completed the assessment instrument so developing a care plan is necessary for
Esmeralda. The majority of immigrants that do not speak ... Show more content on Helpwriting.net ...
Because the family belongs to an extremely small ethnic group, Esmeralda and her family may be suffering from discrimination in hiring practices or
discrimination in school. "Social problems are societal induced conditions that harm any segment of the population. Social problems are also related to
acts and conditions that violate the norms and values found in society" (Long, 2012, para. 3).
3. What do you need to know about her cultural values/beliefs that may affect the delivery of social services? (Hint: **Consider specific cultural
issues discussed in class. **) Be specific. Why is it important to know this information as her caseworker? How will you obtain that information?
3. Differences in values and beliefs define a person's choice for mental and physical health care. "Because health care is a cultural construct, arising
from beliefs about the nature of disease and the human body, cultural issues are actually central in the delivery of health services treatment and
preventive interventions" (Office of Minority Health, 2005, p. 6). It is important to acknowledge that Esmeralda fits into two categories of minority
because Esmeralda is a Latina. It is important to know that Hispanic women are less likely to make full use of many social services even when they
are provided to them. Hispanics normally are family oriented and that means Esmeralda will probably want to involve her family in any treatment
program she

Social Security Administration Individual Performance...
I respectfully pled for the highest possible scores given to the appropriate sections of the annual individual performance assessment. Taken into
consideration not only the awards and workload produced, but the initiative I took to master leadership development useful for this agency need for
high quality and efficient workers. Within Social Security Administration Framework: 1. Received the official Social Security Administration
Commissioner's Citation Award plaque. 2. Social Security Administration Individual Cash Award (NRD) 9
–14–2017. 3. Social Security Administration
Performance Award (ROC) 8–30–2017. 4. Independently, continued to reduce backlogs on returned mails pertaining to Civil Actions, COA, medical
evidences,

The Negative Connotation To The Social Security...
Being a high school student myself I do not have the fullest understanding of taxes or many government administrations at all but what I can say is I
have a negative connotation to the Social Security Administration through my small amount of exposure to it through the media. When I researched it I
was surprised by what I found. Despite my preset dispositions, the Social Security Administration seemed actually very helpful and I did not see where
any hate could come from. Perhaps more interestingly I had read that it has been largely unchanged since it was first introduced in the 1930's. The
Social Security Act which created the Social Security Administration has positively affected our country.
The Social Security Administration is a great government administration that provides retirement and disability benefits to a large portion of the U.S.
population. It was created by Franklin Delano Roosevelt (FDR). He created many new administration during the great depression to combat poverty
such as the Works Progress Administration. Unlike the Works Progress Administration, on the Social Security Administration fights poverty through
planning for the future rather than the now. The Administration themselves views themselves high as well, on their website they stated that the Social
Security Administration is "one of the most successful anti–poverty programs in our nation's history". The SSA could not have come at a better time
than when it did during the great depression. It was crucial to the nation's future as to whether it would fall back down to its knees right as it got
back up. The SSA protected us with retirement benefits which allow and help us plan for our retirement safely ensuring that we will have money
when we can no longer work. This need for a retirement plan is exemplified by FDR's speech to the N.Y. state legislature where he states "No greater
tragedy exists in modern civilization than the aged, worn–out worker who after a life of ceaseless effort and useful productivity must look forward to
his declining years to a poorhouse." This is arguably the most useful part of the SSA.
Image result for FDR
The second most useful part of the SSA would be the Disability Benefits given out by the SSA.

Social Security Administration Research Paper
The Social Security Administration has several functions, the main one being to provide financial assistant to patients with a disability that will be
unable to work for a period of twelve months or more. This requirement is usually met by individuals who have been diagnosed with prostate cancer.
The Social Security Administration provides a listing of requirements which must be met in order to automatically qualify to receive benefits. The
listing for requirements concerning prostate cancer can be found within the SSA's bluebook. This is the source which the SSA has created in order to
provide details on specific medical conditions which must be evaluated in order to determine whether or not an individual is eligible for benefits.
Section

How Medicare Is Financed By The Social Security...

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