Post-Covid Anxiety And Depression

      From the New York Times:

Social isolation, economic stress, loss of loved ones and other struggles during the pandemic have contributed to rising mental health issues like anxiety and depression.

But can having Covid itself increase the risk of developing mental health problems? A large new study suggests it can.

The study, published Wednesday in the journal The BMJ, analyzed records of nearly 154,000 Covid patients in the Veterans Health Administration system and compared their experience in the year after they recovered from their initial infection with that of a similar group of people who did not contract the virus.

The study included only patients who had no mental health diagnoses or treatment for at least two years before becoming infected with the coronavirus, allowing researchers to focus on psychiatric diagnoses and treatment that occurred after coronavirus infection.

 People who had Covid were 39 percent more likely to be diagnosed with depression and 35 percent more likely to be diagnosed with anxiety over the months following infection than people without Covid during the same period, the study found. Covid patients were 38 percent more likely to be diagnosed with stress and adjustment disorders and 41 percent more likely to be diagnosed with sleep disorders than uninfected people. ...

     You might say this won't have much impact on Social Security since there aren't many people found disabled due to depression and anxiety much less stress and adjustment disorders but I think that would be naive. Depression, anxiety, stress and adjustment disorders are bad for a person's physical health. These conditions also make people less able to cope with their physical ailments. There are many people who are still tenuously holding on to employment despite serious physical health problems. Add in depression and anxiety and those health problems can become too much to bear while still working. There are many people on the borderline who are still working but who can be easily tipped in the other direction. There's also the question of Covid's effects on those who already suffered significant mental illness. What effects will Covid have on people with bipolar disorder, for instance? I'm sure somebody is studying that question but I haven't heard of any research reports yet.

     I'm getting almost no calls from people with post-Covid syndrome but we'll have to see whether Covid is a significant indirect factor in producing disability.

It's Nearly Impossible To Get Through To Social Security On The Phone

 

     From CNBC (emphasis added):

When Charlene Latsha calls the Social Security Administration, she’s placed on hold for so long that she hangs up.

Latsha, 70, of Pottstown, Pennsylvania, has been trying to reach the government agency about her husband’s application for retirement benefits. Though he has been disabled and unable to work for the past two years, he is unable to claim disability benefits. But as he turns 65, the couple decided now would be a good time for him to claim his monthly retirement checks.

When Latsha logs on to her husband’s online account, a message reading “account has been suspended” comes up. When she calls Social Security’s 800 number, she typically waits on hold for about 45 minutes to an hour before she gives up.

“You call, and you’re on hold forever,” Latsha said. “For three weeks now, I’ve been trying to get in touch with them.” ...

 While the average wait time for Social Security’s 800 number was around 13.5 minutes in 2021, some months have had longer delays. In January, for example, the average wait was around 40 minutes. ...

Dorothy Pritchette, 48, a schoolteacher from Newport News, Virginia, has been unable to work since she had a stroke in August. She applied for disability benefits shortly thereafter. While the Social Security Administration website shows that the benefits have been approved, [she] has yet to receive a payment. ...

Seizure Of Social Security Benefits To Satisfy Student Loan Debt Suspended Until November

      From CNBC:

The U.S. Department of Education has suspended the seizure of tax refunds, Social Security and other government payments to satisfy defaulted student loans until November, the agency said.

About 9 million people have a federal student loan in default, which means they’ve fallen at least 270 days behind on payments.

     Why is it that the government has the power to seize Social Security benefits to collect on a student loan debt? We don't allow collection of other debts in this way. For that matter, why is it nearly impossible to discharge a student loan debt in bankruptcy? 

     I ask clients if they have outstanding student loan debts. I'd say that 90% have no student loan debt and are surprised at the question. The other 10% are surprised to find out that being disabled may have an effect on their student loans. It's like asking about disabled children. Most of my clients don't have disabled children so the question doesn't matter to them but for that minority of my clients who have disabled children, it matters a lot.

Slow Reaction Time

      On August 24, 2020 the 9th Circuit Court of Appeals issued a decision in Maxwell v. Saul, 971 F.3d 1128, holding that coming up with two job titles to which a claimant could transfer skills isn't enough to support a finding of transferable skills. Since that time the agency has been thinking about what to do about the Maxwell decision. It's still thinking about whether to issue an Acquiescence Ruling but it's now told its staff to follow Maxwell in the 9th Circuit.

     I don't know whether to attribute this extraordinary delay to a sclerosed decision-making process or stubborness. Maybe they're both contributing factors.

Heavy Telework Usage At Social Security Compared To Other Agencies With Predictable Results

     From a recent report by the Government Accountability Office GAO:

 

Click on image to view full size

... The Social Security Administration (SSA), for example, reported that it faced challenges transitioning the work of its call center operators to a telework environment. According to SSA, nearly 4,000 of its customer call center agents did not telework prior to the COVID-19 pandemic. SSA explained that it was in the initial stages of replacing its telephone infrastructure at the onset of the pandemic and the transition to maximum telework required the agency to re-engineer the way it used current technology to provide all customer call center agents the ability to answer calls until its new agency-wide telephone system could be installed. When SSA transitioned to maximum telework in March 2020, the agency said it had enough equipment for only about one-third of these agents to perform their duties while teleworking.

SSA officials told us that call center agents without remote equipment were placed on administrative leave or weather and safety leave. Additionally, it took a couple of weeks for the agency to provide the customer call center agents on leave with the essential equipment that allowed them to telework. However, SSA officials reported that internet connectivity issues created challenges for employees receiving calls on its 800-customer service number. As a result, SSA operated with a limited number of employees available to respond to the 800 number calls from the public. This resulted in longer-than-normal call-wait times. SSA officials said that by June 2020, they had equipped employees with necessary technology to answer the increasing number of calls while teleworking.

SSA’s Office of the Inspector General reported that only 27 percent of teleservice center employees were answering calls on the national 800-number in mid-March of 2020. As of October 2020, according to the report, nearly all call center employees were answering calls, with approximately 1 percent on weather and safety leave who were unable to answer calls remotely due to internet connectivity issues. The report also stated that while SSA reduced the amount of callers receiving a busy message, this was partially enabled by reducing hours for the national 800-number. ...

What Does It Tell You If Less Than Half Of People File Their Social Security Retirement Claims Online?

      From a piece by Alicia Munnell, the director of the Boston College Center for Retirement Research for Market Watch:

The Social Security Administration faces an enormous challenge to maintain its services as retiring baby boomers increase the demand and budget constraints and retiring staff limit the agency’s capacity to deliver.  ...

To investigate how individuals claimed or intend to claim their retirement benefits, my colleague JP Aubry surveyed 2,600 people ages 57-70. The responses showed that, while 60% of respondents applied or intend to apply online (a somewhat higher share than the SSA data show), only 43% of respondents claim completely online — that is, without contacting SSA in-person or by phone. Scaling the survey results to the SSA data for online applications suggests that 37% of retirees claim completely online  ...

To better understand the factors associated with online claiming patterns, JP estimated a regression that relates respondents’ demographic characteristics to full online claiming (see Figure 3). Two of the characteristics most associated with claiming completely online are the use of online banking and Turbo Tax — both of which are proxies for a high level of comfort with online financial tools. Additionally, claiming completely online is associated with living in a metropolitan area, being college educated, and being married. On the other hand, the characteristics most associated with not claiming completely online are — essentially — being nonwhite. ...

In response to in-depth questioning, respondents identified four reasons for contacting an SSA representative: 1) complex issues that clearly require an SSA representative, such as discussing the specifics of spousal and survivor benefits; 2) general aversions to online services, like a concern about data privacy; 3) straightforward inquiries that could be addressed without contacting a representative, like checking the benefit amount and eligibility; and 4) obstacles to online claiming that could be remedied by SSA service improvements, such as fixing data errors.  ...

     Note that this piece concerns retirement claims, not the more complicated survivor claims, not to mention the vastly more complicated disability and SSI claims.

It Really Is A Struggle

     "NPR's Ari Shapiro talks with economy reporter Chabeli Carrazana from The 19th News about women whose spouses and children have died of COVID struggling to seek benefits from Social Security offices."

Fee Cap Chokes Claimant Representation

     From The Legal Intelligencer (registration required):

A limit on the fees attorneys may collect on Social Security cases has remained unchanged for nearly 13 years, leaving some smaller firms and solo practitioners struggling to keep their practices running as inflation and costs of business outpace their earnings.

The stagnating cap has has resulted in a practice area that both fails to attract new talent and drives established practitioners to seek out more profitable types of law, say some Social Security attorneys. Those attorneys say the drain on resources is creating a smaller pool of representation available to vulnerable populations that will ultimately lead to fewer claimants getting the help they need.

In June 2009, the Social Security Administration raised the previous maximum limit for fee agreements under Section 206 of the Social Security Act from $5,300 (adjusted in 2002) to $6,000 in order to “adequately compensate representatives for their services while ensuring that claimants are protected from excessive fees.”

That limit has not been adjusted since. ...

According to National Organization of Social Security Claimants president David Camp, the tax that Social Security imposes for releasing the fee—currently 6.3%—has continued to go up in that time, as have most other business costs. 

“Nobody likes to say they want more money,” said Camp, “but at some point, when you’re operating a small business or when you’re a solo attorney with maybe one assistant, it’s very hard to have a payroll … and it’s been brutal, and it’s now been 13 years.” ...

Tim Cuddigan of Omaha-based Cuddigan Law said his firm had to adapt the services it offered about five years ago when it became clear that the cap wasn’t going to change any time soon. Cuddigan Law’s focus on Social Security disability proved unable to generate enough income to support the three-attorney firm, so it supplemented its offerings with a veterans disability practice. 

“The rent has gone up, salaries have gone up, insurance has gone up, and the fee cap hasn’t gone up,” said Cuddigan. 

“It’s become this low-wage way to practice law, and such an unfortunate overall reduction in the number of people that are willing to do it,” Camp said.

Camp and Cuddigan said they have seen fewer law school graduates looking to enter the field as well as experienced attorneys leaving behind their Social Security practices because of the low pay. They said in some cases small firms and solos have gone out of business. ...