Most Popular Baby Names

     Social Security has released its list of most popular baby names for 2012:

Boys:

Jacob Mason Ethan Noah William Liam Jayden Michael Alexander Aiden

Girls:

Sophia Emma Isabella Olivia Ava Emily Abigail Mia Madison Elizabeth

"There Must Have Been A Thousand People Just Sitting There Waiting"

     From the Philadelphia Inquirer:

Robin Blount walked up to what used to be a Social Security Administration field office in North Philadelphia this week and was shocked and angry.  ...

A sign inside the gates read: "The Social Security Administration field office previously operating at this location IS NOW CLOSED."

People were advised to visit the Social Security office in Center City at 15th Street and JFK Boulevard, 2 Penn Center, for service.

"I just went down there," Blount, 52, cried out in frustration. "It was so crowded downtown - there must have been a thousand people just sitting there waiting.

Unauthorized Immigrants Help Social Security

     From a report issued by Social Security's Office of Chief Actuary, issued in response to a request from Senator Marco Rubio:

Beyond the taxes paid and benefits received by unauthorized workers, the larger effect on the long-term actuarial status of the OASDI [Old Age, Survivors and Disability Insurance] Trust Funds derives from the children born in the U.S. to these immigrants. These children are natural born citizens and add to the growth in the overall U.S. population. This contribution to future generations of workers is the largest part of the effect on the actuarial status both for legal and other immigrants. ...

While unauthorized immigrants worked and contributed as much as $13 billion in payroll taxes to the OASDI  program in 2010, only about $1 billion in benefit payments during 2010 are attributable to unauthorized work. Thus, we estimate that earnings by unauthorized immigrants result in a net positive effect on Social Security financial status generally, and that this effect contributed roughly $12 billion to the cash flow of the program for 2010. We estimate that future years will experience a continuation of this positive impact on the trust funds.... 

Individuals who enter the country as unauthorized immigrants and remain in that status for life are relatively unlikely to receive benefits from the OASDI program. Those who work in the underground economy have no basis for expecting to be entitled for benefits. Those who have worked and paid payroll taxes without a matched SSN [Social Security Number] will have had their earnings placed in the suspense file and will have only a relatively remote possibility of obtaining credit for these earnings for the purpose of becoming entitled to a benefit. The relatively small and declining number of unauthorized immigrants who have an SSN with earnings credited in their name, may receive benefits in the uture. However, to receive benefits they must meet the following three conditions: (1) work long enough to acquire insured status under the program; (2) receive legal work authorization at some time; and (3) receive legal resident status for the time of their benefit entitlement or, if not, are willing to leave the U.S. to receive a benefit.

It's A Big Country

     I live in Raleigh. It's a prosperous, urban place. People here are mostly well educated and mostly work in white collar jobs. Raleigh produces disability claims but many of my firm's clients live in places like Roanoke Rapids, where I took this picture on May 2. Roanoke Rapids has a population of about 17,000. The town's name comes from the extensive rapids on the Roanoke River which lie just North of town. The shop shown above is on the main street of Roanoke Rapids.
     Social Security is a national program. It must serve this country's entire population and that includes cities like Raleigh and towns like Roanoke Rapids but it also includes many other types of communities, big and small, rich and poor. When thinking about policies that Social Security should apply and the mechanisms by which the agency delivers service to this country's population, everyone should keep this wide diversity in mind.

I Think This Problem Is Just Going To Get Worse And Worse

     From a TV station that wants to be known as "6 South Florida":

As Maria Elena Ruiz was getting ready to pay her father's medical bills for the month, she realized there was a big problem.

"There was no money!" she said.

Federico Ruiz's monthly Social Security check should have been deposited directly into his bank account. But it looks like a payday came for a crook instead.

"Somebody just went on the Internet, and it just got paid," Maria Elena Ruiz remarked.

With some key pieces of the senior citizen's personal information and a few clicks on ssa.gov, the thief was able to create an online account. It redirected Mr. Ruiz's benefits to a bank account controlled by the thief. ...

According to the agency’s inspector general, there have been just over 600 such allegations made nationwide between February and April 29.

     Social Security has to do something about this. It's just irresponsible to leave this gap. It's hundreds of cases now but it may be tens of thousands in a few months.

New SSA Mobile Optimized Website

     From a Social Security press release:

Carolyn W. Colvin, Acting Commissioner of Social Security, today announced the agency is offering a new mobile optimized website, specifically aimed at smartphone users across the country.  People visiting the agency’s website, www.socialsecurity.gov, via smartphone (Android, Blackberry, iPhone, and Windows devices) will be redirected to the agency’s new mobile-friendly site. Once there, visitors can access a mobile version of Social Security’s Frequently Asked Questions, an interactive Social Security number (SSN) decision tree to help people identify documents needed for a new/replacement SSN card, and mobile publications which they can listen to in both English and Spanish right on their phone. ...

In addition, visitors to the new mobile site can learn how to create a personal my Social Security account to get an online Social Security Statement, learn more about Social Security’s award-winning online services, and connect with Social Security on Facebook, Twitter, YouTube, and Pinterest. For people unable to complete their Social Security business online or over the telephone, the agency also unveiled a new mobile field office locator. The new mobile office locator has the capability to provide turn-by-turn directions to the nearest Social Security office based on information entered by the person.

“With significant budget cuts of nearly a billion dollars each year over the last few years, we must continue to leverage technology and find more innovative ways to meet the evolving needs of the American public without compromising service,” said Acting Commissioner Colvin.

Each year, more than 35 million Social Security web page views come via smartphones.

Is This A Good Idea?

     From the Montgomery Advertiser:

Michelle Clampit expected financial relief to arrive soon in the form of an income tax refund check. She was counting on it, in fact. ...

But no deposit was made, and when she checked the IRS website to find out what happened, she was referred to the Social Security Administration.

The Wetumpka resident said she had no idea she possibly could have owed money to the SSA. After all, she had never received a single Social Security check in her life. ...

Eventually, however, the actual reason for the debt became clear: Social Security payments made to her now-deceased mother 29 years ago. ...

The tax refund was diverted by way of the Treasury Offset Program, which until recently was not authorized to collect on debts that were more than 10 years old, SSA spokesman BJ Jarrett said.

A law passed in 2008 eliminated the 10-year statute of limitations, and in June 2012, the SSA began to inform people about its intention to collect those older debts, Jarrett said. ...

The agency has sent about 185,000 notices to people with debts that are more than 10 years old, Jarrett said.

Dilsability Recipients Fight Stigma

     From the Montgomery (AL) Advertiser:

When he looks in the mirror each morning, the man staring back at Steven Ladner looks healthy. There are no outward signs of disability, certainly nothing that would prevent the 42-year-old from heading off to a full-time job and normal life.But underneath the skin, it’s a different story. Ladner suffers from debilitating migraines and diabetes. The diabetes has caused neuropathy, resulting in his consistently losing feeling in his hands and feet. A brain scan a few years ago turned up a benign tumor. ...

Because of these problems, the Social Security Administration (SSA) has deemed Ladner to be disabled. This month he will begin receiving a check for about $1,300 per month, and his health care will be provided by the federal government through Medicaid.

He is not alone.

Over the past three decades, the number of people on disability across the nation, and especially in Alabama, has skyrocketed. Some counties in this state have more than 20 percent of their working-age citizens drawing disability payments. ...

Those high numbers, along with sometimes tall tales of scams and fraud — and a number of misconceptions and misinformation, some perpetuated by those NPR stories — have left recipients like Ladner and the workers who service the disability programs battling an increasingly bad perception.“I do know how people think of folks on disability, and it’s not good,” Ladner said. “I know some people look at me and think, ‘Why ain’t he at work? He looks fine to me.’ I’d probably think the same thing, because there are some people I know who shouldn’t be on it. It does affect you. But for someone like me, who really needs it, it’s really a blessing.” ...

For Ladner, it took nearly two years before he was approved for payments. And then came a five-month waiting period between that approval and receiving his first payment.“It really put me in a tough spot financially,” Ladner said. “We burned through our savings and cut back as much as possible. It put such a strain on us — this whole process — that me and my wife are separated right now. It’s just a really tough thing to go through.”