You're viewing a single thread.
Permanently Deleted
Either work for yourself or dont work at all. Also, disability insurance and SS are a fucking farce so cover your own ass and quit giving the government your money.
How is any of this optional?
I think they assume that you follow their advice and are now "working for yourself", which I assume to mean create your own business such as a consulting company, a store, etc. With that assumption, and this is obviously not legal advice, I believe, in the US, you don't have to contribute to social security if your business has under a certain number of employees. I also think not all states require disability insurance under similar business size limits (this one I am less sure of).
the real solution is to unionize
Also, disability insurance and SS are a fucking farce so cover your own ass and quit giving the government your money.
Yikes. For anyone looking into it. https://ssabest.benefits.gov/
In 2023, an average of almost 67 million Americans per month will receive a Social Security benefit, totaling about $1.4 trillion in benefits paid during the year.
PDF Warning: https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
Permanently Deleted
Yikes Fun fact: not enough to survive
It was never meant to be. It's supplemental income. The government has always expected people to be able to 'save' somehow or also pay for injury insurance. Hence supplemental income. Unfortunately the vast majority of disabled people often never had great resources to begin with.
The maximum payout is also loosely scaled to Federal Poverty Levels which can be woefully low depending on the Cost of Living in most areas. It was also not meant to support an entire family, it was meant to support 1 person.
In 2023, the estimated average Social Security disability benefit for a disabled worker receiving Social Security Disability Insurance (SSDI) is $1,489 per month