A Longevity Benefit?

     From John Turner at the Pension Policy Center:

In the United States, poverty rates for seniors increase at older ages.  The rates are higher for persons age 75 and older than for persons age 65 to 74.   Poverty rates increase at older ages because relatively more people fall into poverty as they age than exit poverty due to death. Persons who live longer may fall into poverty because of various life events -- their spouse dies, they have higher medical or long-term care expenses than expected, or their investment returns are worse than projected. As Americans live longer, they face an increased risk of outliving their savings.

This outcome of poverty rates increasing at older ages is not inevitable. In Ireland and Poland, poverty rates actually decrease for those age 75 and older compared to those age 65 to 74.  The explanation for lower poverty rates at older ages is a low-cost targeted policy intervention called a longevity insurance benefit. A longevity insurance benefit is a benefit that starts at an advanced age, such as age 82. Both Ireland and Poland provide such a benefit for their oldest citizens.  ...

Triple Amputee Denied Social Security Disability And I'm Not Surprised

     Social Security recently denied a disability claim filed by a triple amputee. I'm not surprised. The problem is that the woman had been a stay at home mom for ten years prior to the illness that led to the amputations. Generally, you must have worked five of the last ten years before becoming disabled in order to draw Social Security disability benefits based upon your own earnings.
     For decades some have called for some sort of caregiver credits as part of Social Security. This idea has never received serious attention in the past and probably won't in the future. However, should Hillary Clinton not just win but ride into office on a tsunami that brings Democrats into control of both houses of Congress, anything's possible. Clinto has called for unspecified improvments in Social Security.  The Iowa Electronic Market gives Democrats an 18-25% chance of gaining control of both houses of Congress.

Proposed New Regs On Medical Evidence Coming

    The Office of Management and Budget (OMB) has cleared a set of proposed new regulations on medical evidence considered in Social Security disability claims. Below is the agency's brief description of the proposal. We won't know exactly what's in the proposal until it's published in the Federal Register, which should happen soon. Remember it's only a proposal. A new administration can change it significantly or can it.

We are proposing several revisions to our medical evidence rules. The proposals include redefining several key terms related to evidence, explaining what is and is not evidence, revising our list of acceptable medical sources (AMS), revising how we consider and articulate our consideration of medical opinions and prior administrative medical findings, revising who can be a medical consultant (MC) and psychological consultant (PC), revising our rules about treating sources, and reorganizing our evidence regulations for ease of use. These proposed revisions conform with the Bipartisan Budget Act of 2015 (BBA), reflect changes in the national healthcare workforce and in the manner that individuals receive primary medical care, simplify and reorganize our rules to make them easier to understand and apply, allow us to continue to make accurate and consistent decisions, and emphasize the need for objective medical evidence in disability and blindness claims.

The Biggest Doofus

     Eric Conn is facing a malpractice lawsuit filed on behalf of a class of 1,487 of his former Social Security clients. It's been going on for some time now. However, as of a few days ago, Conn still hadn't notified his malpractice insurance carrier, even though he was facing a hearing on the case.  I know that if you're facing criminal prosecution some civil things might fall between the cracks, but this is still hard to fathom.

    If you want to think that all Social Security attorneys are crooks and that Conn just got caught, I can't stop you, but I can tell you that everything about the Conn fiasco seems incredibly weird to me. I have trouble believing the allegation of bribery because the Administrative Law Judge (ALJ) he is alleged to have bribed was approving almost all claims anyway, not just for Conn's clients but for everyone's clients. Why bribe a man to do something he was going to do anyway? I have trouble believing that an ALJ would be able to assign to himself large numbers of one lawyer's cases and then approve them. That couldn't be hidden and is so obviously improper that there would be many people who would send complaints up the line. It would be like making a daily trip to a Walmart store, picking up a big screen TV and walking out the door with it without stopping to pay for it. You might get lucky and get away with that for a day or two but not day after day. There would be too many people watching. We'll see how the prosecution goes but as I've said before, to me Conn looks more like a doofus than a criminal mastermind. His failure to notify his malpractice insurance carrier is more proof of how big a doofus he is.

Last Call For Single Decisionmaker

     From a notice that Social Security is publishing in the Federal Register tomorrow:

We are announcing the extension of tests involving modifications to disability determination procedures authorized by 20 CFR 404.906 and 416.1406. These rules authorize us to test several modifications to the disability determination procedures for adjudicating claims for disability insurance benefits under title II of the Social Security Act (Act ) and for supplemental security income payments based on disability under title XVI of the Act. This notice is our last extension of the “single decisionmaker” test, as we will phase out the test until elimination in 2018 . This notice also extends the separate “prototype” test.

She Was Right

     The Washington Post is reporting on an 80 year old woman who has been living on the D.C. streets for 16 years complaining that she couldn't get Social Security to straighten out her benefits. It turns out she was right. Social Security did owe her money. They've just paid her $99,999 and probably owe her more. Yes, if you know much about Social Security, it's obvious that she should have done things differently but people make dumb Social Security mistakes all the time and this woman has a better excuse than most. Despite the lady's protestations to the contrary, it's obvious that she has serious psychiatric problems. The bigger issue is that Social Security field offices often fail people like this who need extra help. That would happen some even with good staffing but it becomes more frequent when staffing is as tight as it is now. The consequences of failing to adequately serve people who have special needs can be terrible.

EAJA Payments Doubled In Five Years

     After a Social Security disability claimant gets denied, appeals, gets denied again, appeals again, has a hearing and gets denied again, appeals again and is denied one last time by the Social Security Administration he or she can file a civil action in United States District Court saying that Social Security's final decision was in error. There are several thousand of these civil actions each year. If the claimant wins outright in District Court, which doesn't happen much, or if he or she succeeds in getting the case remanded for a new hearing, which happens a lot, Social Security will probably be liable for the claimant's federal court attorney fees under the Equal Access to Justice Act (EAJA). Social Security has to release a report on EAJA payments. Here's the numbers for recent years.

 

Year	Amount
2010	$19,743,189.12
2011	$21,668,646.47
2012	$24,666,171.13
2013	$27,720,951.87
2014	$31,637,462.36
2015	$38,132,381.48

Taking Claims Over The Phone Is Tough

     A view from someone who takes social security disability claims over the telephone:

This morning I spoke to a cancer patient, a woman with kidney failure, and a young man who had just lost the mother of his children. Each of them thought I was trying to help them. I wasn’t really though, because helping them would take longer than 23 minutes. ...

These are people who need my help to navigate the complex claims system so that they can get a meagre payout. They’re often vulnerable and desperate by the time they reach me. My job is to fill in a new claim form for [benefits] based on the information people give me and then send that form off to the benefit centre where the claim is processed. ...

[F]or me, the only thing that’s really important is how long each call takes. We are measured on our average handling time (known as AHT) and if this slips beyond 23 minutes per call we face performance management, which is code for “you’ll get in trouble”. This involves anything from stern words and increased micro-management from your line manager right up to written warnings and dismissal. ...

[W]e staff are singularly ill-equipped to actually offer any help or support. I have had absolutely no training in how [disability] benefits work. I don’t know what happens when I send a claim to be processed, so I can’t answer any questions about what will happen next or when somebody will get a payment....

  [T]here is no break between calls, the headset beeps again immediately and this time it’s a woman with kidney failure. I’m failing her too, and afterwards I will fail the bereaved young father, and this afternoon there will be more and more people I fail to help. And this will continue presumably until the government finally finds a way to do away with benefits entirely, at which point our sick and disabled people will be left with nothing, not even my hurried 23 minutes of script.

     If something didn't seem quite right when you read this (notice the use of "centre"?), it's because the woman who wrote this works for the British equivalent of the Social Security Administration.