Register Now For the AFB Leadership Conference
Registration is now open for the 2013 AFB Leadership Conference and Illinois AER Annual Meeting. Visit the conference website to register, read the meeting agenda, and reserve your hotel room at the special group rate. Join experts and colleagues for intensive pre-conference sessions on April 18 and full-conference sessions on April 19 and 20.
Topics include:
- Leadership
- Technology
- Education
- Rehabilitation
- Research
Unemployment for People with Disabilities Drops to Four-Year Low, Allsup Disability Study Finds
Fourth-quarter unemployment rate and Social Security disability applications are at their lowest since 2008, and more people with disabilities working would strengthen the Disability Insurance Trust Fund.
The fourth quarter 2012 unemployment rate for people with disabilities dropped to its lowest level since the fourth quarter of 2008. The number of people with disabilities applying for Social Security Disability Insurance (SSDI) also reached a four-year low according to a study by Allsup, a nationwide provider of SSDI representation and Medicare plan selection services.
While this may seem to indicate that the worst of the economic crisis has passed, the unemployment rate for people with disabilities was still 70 percent higher than for those with no disabilities during the fourth quarter of 2012 according to the Allsup Disability Study: Income at Risk.
Specifically, the unemployment rate averaged 12.4 percent for people with disabilities and 7.3 percent for people without disabilities during the fourth quarter of 2012. This compares to 13.7 percent for people with disabilities and 7.9 percent for people without disabilities during the third quarter of 2012. These figures are based on non-seasonally adjusted data from the U.S. Bureau of Labor Statistics.
"The discrepancy in the employment rate between people with no disabilities and people with disabilities is concerning," said Tricia Blazier, personal financial planning manager for Allsup. "If more people with disabilities capable of working were provided the opportunity to do so, the trust fund for the Social Security disability program would be stronger. These individuals would be paying into the trust fund just as other workers do."
Beginning in 2013, the projected assets of the Disability Insurance Trust Fund will fall below 100 percent of the annual costs according to the 2012 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds (2012 OASDI Trustees Report). The DI Trust Fund is projected to exhaust its reserves in 2016.
At that time, revenues from payroll taxes will cover only 79 percent of benefits. This means there would be a 21 percent cut in benefits to the millions of people with disabilities so severe they are unable to work as well as to their families. At year-end of 2012, more than 8.8 million disabled workers received an average monthly benefit of $1,130.34, and nearly 2.1 million children and spouses of disabled workers relied on average monthly benefits of nearly $334.
SSDI Applications Continue to Decline
While the unemployment rate for people with disabilities is still significantly higher than for people with no disabilities, the number of people with disabilities applying for SSDI has declined for the second year in a row.
The Allsup Disability Study: Income at Risk shows that 638,223 people with disabilities applied for SSDI during the fourth quarter of 2012, down from 726,026 for the previous quarter. The quarterly number of applications has not dropped below this level since the fourth quarter of 2008 when there were 577,306 applications.
In 2012, 2.82 million people filed SSDI applications, compared to 2.88 million in 2011. Applications are now down 3.92 percent from the record high of nearly 2.94 million SSDI applications in 2010. The average age of people applying for SSDI is 53.
"The average age of SSDI applicants is about midway in the baby boom generation, so it's likely SSDI applications will remain elevated," Blazier said. "Because of this, more is needed to educate people with severe disabilities about their SSDI benefits. It's also important that people understand their options for rejoining the labor pool if their condition improves in the future."
Many people confronted with a disabling condition wait longer than they should to apply for SSDI benefits. Often, Social Security disability applicants must wait several months or years before they receive their benefits. For example, nearly 1.89 million SSDI claims are pending with an average cumulative wait time of more than 800 days according to Allsup's analysis of the Social Security disability backlog.
Blazier recommends individuals understand the following:
- Who is covered by Social Security disability insurance?
To be covered, a person must have worked and paid into the SSDI program through payroll taxes (FICA) for five of the last 10 years. They also must be disabled before reaching full-retirement age (65-67) and must meet Social Security's definition of disability. Generally, this means being unable to work because of a verifiable mental or physical impairment expected to result in death or which has lasted, or is expected to last, for at least 12 months. - When should someone with a severe disability apply for SSDI benefits?
Anyone with SSDI coverage who is unable to work because of a severe disability expected to last 12 months or longer or is terminal should apply as soon as possible. It can take two to four years to receive benefits during which time many people struggle financially as a result of lost income and, often, mounting healthcare costs. The sooner someone applies, the sooner he or she may begin to receive monthly benefits. They also are eligible for Medicare 24 months after they start receiving SSDI cash benefits. - Is SSDI representation needed?
Individuals can apply for SSDI on their own. However, there are several advantages to having a Social Security disability representative. This is especially true at the initial application. For example, more than half of Allsup claimants are awarded benefits at the initial application level compared to just 34 percent nationally. - Can someone with SSDI benefits ever return to work?
Yes. If a person's condition improves to the point where they can return to work, Social Security offers a trial work period, which allows someone to test their ability to work over at least nine months and receive full SSDI benefits no matter how high their earnings. In addition, Social Security's work incentives include the extended period of eligibility, which lasts 36 months. Once someone's benefits stop because they have substantial earnings, they still have five years in which benefits can be reinstated without going through the SSDI application process again if they must stop working because of their disability. This is known as expedited reinstatement. Additionally, it's possible to continue Medicare coverage for up to 93 months.
Individuals can determine their Social Security disability benefits using Allsup's free online Social Security benefits calculator. For a free evaluation or more information about eligibility for Social Security disability benefits, contact Allsup's Disability Evaluation Center at (800) 678-3276.
About Allsup
Allsup is a nationwide provider of Social Security disability, veterans disability appeal, Medicare and Medicare Secondary Payer compliance services for individuals, employers, and insurance carriers. Founded in 1984, Allsup employs more than 800 professionals who deliver specialized services supporting people with disabilities and seniors, so they may lead lives that are as financially secure and as healthy as possible. The company is based in Belleville, Ill., near St. Louis. For more information, go to http://www.Allsup.com or visit Allsup on Facebook at http://www.facebook.com/Allsupinc.
The information provided is not intended as a substitute for legal or other professional services. Legal or other expert assistance should be sought before making any decision that may affect your situation.
Contact:
Mary Jung, (773) 429-0940, mtjung@msn.com
Rebecca Ray, (800) 854-1418 ext 65065, r.ray@allsupinc.com
Perkins School for the Blind, Helen Keller National Center, and FableVision will Lead the iCanConnect Campaign
Many thousands of Americans who have combined loss of hearing and vision may soon connect with family, friends, and community thanks to the National Deaf-Blind Equipment Distribution Program. Mandated by the 21st Century Communications and Video Accessibility Act (CVAA), the Federal Communications Commission (FCC) established this new program to provide support for the local distribution of a wide array of accessible communications technology.
The FCC is also funding a national outreach campaign to educate the public about this new program. The iCanConnect campaign will be conducted jointly by Perkins School for the Blind in Watertown, MA, the Helen Keller National Center in New York City, NY, and FableVision of Boston, MA. iCanConnect will seek to ensure that everyone knows about the free communications technology and training that is now available to low-income individuals with combined hearing and vision loss. From screen enlargement software and video phones to off-the-shelf products that are accessible or adaptable, this technology can vastly improve quality of life for this population.
iCanConnect seeks to increase awareness about the availability of communications technology for this underserved population, so people who are deaf-blind and have limited income can remain safe and healthy, hold jobs, manage their households, and contribute to the economy and the community.
Information about the new equipment distribution program is available online at the iCanConnect website or by phone at 800-825-4595. Additional information is available through the online FCC Encyclopedia.
"With the right technology, people with disabilities can link to information and ideas, be productive, and move ahead," said Steven Rothstein, President of Perkins. "Perkins' most famous student, Helen Keller, exemplified the potential of a person who is deaf-blind. We are proud to have a role in this transformational program."
The CVAA, championed in Washington, D.C. by Congressman Edward J. Markey of Massachusetts and Senator Mark Pryor of Arkansas, acknowledges that advances in technology can revolutionize lives. Nearly one million people in the United States have some combination of vision and hearing loss. People with combined loss of vision and hearing as defined by the Helen Keller National Center Act whose income does not exceed 400 percent of the Federal Poverty Guidelines are eligible to participate in the new program.
"The mission of the Helen Keller National Center is to enable each person who is deaf-blind to live and work in his or her community of choice," explains Executive Director Joe McNulty, adding, "This critical technology access program accelerates those efforts but only if people know about the resources. iCanConnect is poised to get the word out, coast to coast."
"FableVision's mission is to help ALL learners reach their full potential," said Paul Reynolds, CEO of FableVision Studios. "With this program we advance that mission, helping spread the word about equal access to tools that offer those with hearing and vision loss the transformational power of technology." Reynolds adds, "Now everyone is invited to the technology promise powering the human network."
White House Announces Audio Descriptions for Public Tours
The White House Visitor's Office recently announced the availability of an audio description for those taking a White House tour. This will give blind and visually impaired Americans and persons with other print disabilities the opportunity to listen to an audio described tour as they visit the historic, public rooms of the White House.
You can read more about the audio descriptions at The White House Blog page.
Eyes on Success
"Eyes on Success," formerly "Viewpoints," is a half-hour weekly audio program that discusses products, services, and daily living tips for people with vision loss. It is available through radio reading services across the US and Canada via three internet streaming services (iBlink Radio, ACB Radio, and The Global Voice) and to everybody else as a podcast. To date, the show has been downloaded in all 50 states in the US, eight Canadian provinces, and over 80 other countries on all the inhabited continents. "Eyes on Success" is hosted and produced by Peter Torpey and Nancy Goodman Torpey and distributed to regional radio reading services by WXXI Reachout Radio in Rochester, NY.
Topics range from detailed descriptions of adaptive equipment and programs, such as screen readers and portable braille displays, to discussions of various accessible reading materials to personal stories of engaging in extreme sports and other hobbies. There's something for everyone on "Eyes on Success."
To find out more about the show, its hosts, listen to programs in the archive, and/or subscribe to the podcast, follow the links at www.eyesonsuccess.net.
