this post was submitted on 29 Nov 2023
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My wife and I were discussing how she has worked hard all her life and tried to be a model employee everywhere only to be accused of embezzlement when others stole from her till (and were eventually caught) and casually dismissed and insurance cut off after a lifetime of paying into it. I have dealt with the same sort of treatment when working for others. We're both honest people and naively thought that work was rewarded. It is not.
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).
You still have to pay your social security taxes if self-employed.
the real solution is to unionize
Yikes. For anyone looking into it. https://ssabest.benefits.gov/
PDF Warning: https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
Yikes Fun fact: not enough to survive, and applying without being denied and being forced to hire law firms is the norm, not the outlier. By contrast that same government blew nearly 20 trillion on principle and interest for wars with no benefit to any American people. Meanwhile one party is actively working to eliminate all SS and disability insurances since it's already crippled this far.
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.
https://www.investopedia.com/ask/answers/082015/what-are-maximum-social-security-disability-benefits.asp