Securing Social Security Disability Insurance (SSDI): Overcoming Challenges

Abstract

People with disabilities comprise a large and vulnerable population in the United States who are entitled to disability benefits under the Social Security Disability Insurance (SSDI) program provided by the federal government. However, there are many logistical and bureaucratic barriers to the application process, particularly the system and individual level barriers that can delay patients from having access to the income and healthcare necessary for securing their wellbeing. The strategy of establishing important personal relationships with the key decisionmakers of the application process is key to expedite and increase the likelihood for the receipt of disability benefits.

Future study of revenue sources in the social security organization with the scenario planning approach

“…The income sources of the SSO are mainly provided by insurance premiums with the participation of the insured and the employer (according to the statistical yearbook of the SSO in 2020, 96.1% of the income of this organization from 2004 to 2019 came from insurance premiums and only 2.24% came from investments). Phenomena such as decreasing population growth, increasing the number of elderly people, decreasing fertility rates, increasing life expectancy, financial crises and sometimes unknown diseases such as COVID-19 are facing the modern world (Nagarkar, 2020;De Jong and Ho, 2020;Cho et al, 2020;Fitzpatrick and O'Sullivan, 2021). Some other challenges facing the SSO, in particular, are the imposition of support insurance on the organization, nonpayment of legal obligations by the government (increasing government debt to the organization), early retirement laws, high replacement rates (the ratio of the average pension to the average salary of the insured) in Iran compared to the world, the very insignificant unprincipled investment with the organization's income, high insurance premium rates compared to the global model, the number of years of insurance premium payment, pension actuarial calculations and the management structure of the organization.…”