Social Care for the Elderly in the USA

We live in great times where people are living longer than ever before. Although America is not the highest in the world for life expectancy, we are quite high with women living on average of 81 years and men getting to the age of 76. With so many people living longer lives and the advancements in medicine making much of this possible, there is a large focus on social care for the elderly in the USA. People are right to be concerned because once you reach a certain age, it can be difficult and even impossible to find and maintain adequate employment. Add that with the fact that elderly individuals require much more medical services than young people and you can see that we need to have a way to take care of the elderly.

Social Security

Social Security has proven to be an efficient way for the government to provide social care for the elderly. Once an individual reaches the age of 62 they are able to draw social security benefits, but full benefits are given to those that wait until 65 to take advantage of the program. The amount a person is given is derived from the where the person lives and their requirements to maintain their current lifestyle. The person is given a check each month to cover the expenses. It is a good system that has worked for many years, but many worry that the increased life expectancy along with the government strains on budgets will deplete the resources we currently have for social security. Where this is of some concern, the social care of the elderly in the USA is now getting a little help from unexpected sources.

Retirement Planning

There was a time where people could rely on simply getting old and drawing their social security benefits, but controversy has forced some people to look to alternative options instead of a reliance on the system. Younger people are realizing that they have to plan for retirement in the case that social security funds are unavailable when they reach the correct age. They are taking matters into their own hands and budgeting for a retirement plan while they are still young. This may seem like paranoia, but it is in fact helping the social security administration out considerably without so many people turning strictly to the social security administration for support.

Social Care for the Elderly

Part of the social security benefits gives individuals access to medical care, but with guidelines to follow. There may be stipulations on hospitals as well as which doctor can be used. Many people do not like stipulations when it comes to their ability to get medical care and therefore they will maintain their own medical insurance to ensure that they are taken care of how they want to be. This further enhances the ability of the government to get funds to the people that are unable to procure their own medical insurance.

Nursing Homes

Many social security recipients find themselves unable to take care of their everyday needs. This forces them to make the decision to move into an assisted living home or nursing home. In recent years, many of the government funded nursing homes have gained a negative reputation for patient care. This is not to say that all nursing homes are bad, as many are excellent facilities for those that need it, but rather brings to light the fact that a few bad eggs can ruin the whole bunch.

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State funded nursing homes are no longer the standard for elderly care within the USA. The new normal is high end facilities that offer a range of benefits to the resident and the ability to socialize with others in the same age range. The facilities give the elderly person the ability to maintain their lifestyle without compromise. They also do not put a significant drain on government funds due to the fact they are primarily privately funded.

Adult Daycare

Some families refuse to put their loved ones in retirement or nursing homes and would rather take care of them themselves, but this can come with some challenges. Many elderly people do not have the ability to take care of themselves and cannot be left alone for a significant amount of time. It makes it very difficult for the caregiver to maintain their employment. Adult daycares are now making it easier for caregivers to keep their job while providing care for their loved ones. Again, these are generally privately funded programs that do not drain government assets.

Social Care in the USA

The state of the social care for the elderly in the USA is not as bad as everyone is making it out to be. Programs are coming to light every day to ease the burden and elderly people are now more in control of their own lives than ever before. Social care is and will always be there for our elderly.

Social Care for the disabled in the USA

How are we taking care of disabled veterans in 2017?

When I think of the word disabled, I do not associate it as being “disability” but rather as being a disabled veteran. And while social care for disabled persons in the USA does fall under the category of disability funding and services, due to the number of veterans, a focus should be given to the allocation of funds to this particular group.

Social Care for the disabled

The numbers are shocking

In a report from the Disabled American Veteran, there are more than 1.4 million disabled vets in America currently. This is just from the one organization. Other organizations have hundreds of thousands of members, leading the overall count to be in the millions. As these numbers are so high, it is imperative that the social care for disabled persons in the USA be sufficient to take care of the veterans.

The 2017 budget

The va.gov stated that the 2017 budget for Vas is $78.7 billion dollars. This covers medical as well as treatment and prevention programs. It is important to note that the funding will also be spread over 15 million medical procedures for veterans by non-VA providers. The funding also encompasses burial for veterans and family members. The point is that while the numbers may appear on the surface to be substantial, when you stretch out the allotted amount to the various areas in which it will be spent, one will find that the disabled veterans to not get, as a whole, much at all. Is this a defect of the administration, a misunderstanding of the needs, or could it be that the disability and SSI funding for the general populace has put a strain on the funds which can be allocated to veterans? I would venture to say it is the later.

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Disability Payouts for 2017

According to the CDC, one in five persons have a disability. And while not every person claims a disability check from the disability, the fact that so many people are considered disabled should be a bit unsettling. If you were to average out the funding which is spent every month (over 76 million) by the number of persons considered disabled (323.5 million total population/5) you would come to 6,490,000. Just simple math will show that the number of people considered disabled does not constitute 76 million in spending. Statistically, the average person receives 1.2 thousand dollars a month. This is more than some fully capable individuals take home a month from working a full time minimum wage job (after taxes, social security, and such). Granted, there are those which are more disabled than others and as such allocation of funds should be given accordingly, but those which claim disability for superfluous conditions should not be given the ability to live without working. Those which have definitive and life disabling illnesses and disability have been given assistance, then a great portion of the funding needs to be reassigned to the disabled veteran. One has only to look at the various organizations and their plea for help to see that the disability funding is lacking the proper funding.

Will privatization of health care options help disability?

We have heard that healthcare privatization will increase the competitive nature of medical treatment. But would such be beneficial to those with disabilities? It would not seem probable that such would be. First, the disabled individual is already at a disadvantage as he or she must depend upon government assistance to support and to treat them for their disability. This means that any competition and adjustment of rates would not be for those under disability but rather for those who can afford to pay for treatment. Secondly, as companies find that they can get higher compensation from paying individuals rather than from government funded disability, it is likely that funding and services for disability will diminish in quality and in quantity. So while the privatization of health care may be beneficial for the average joe, those which cannot make a living are more prone to see issues from privatization than to see benefits.

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So where do we go from here?

Veteran disability, and disability in general needs to be restructured so that those who need the benefits get the benefits, and those which have the ability to work are forced to do so. It is not inhumane to make a person on disability seek out employment, even if it is in a line of work that they are unaccustomed to. What is inhumane and is a dis-service to the USA is when men and women who have complete a tour, a second tour, or a third tour in the military to not have the means of assistance should they become disabled due to others which have taken advantage of the system.

Social Care & Budget Issues in The USA

Entitlements, Medicaid, and regulations may be hindering the budget

When it comes to social care in the USA, it seems that there is always a focus on three main components. These are Entitlements, Medicaid, and regulations. While there may be, some attention given to Social Securities, this generally falls into the entitlement category. And while congress men and women and analysists may try to figure out a way to balance social care budgets and social services, the bottom line is that there are certain issues which should be addressed if the budget is ever to be fixed. Here are a few.

The depletion of funding to non-responsible families

Welfare payments, according to an article in Forbes, has put the receivers within the top 20% of all income earners. Granted, it is far lower than the average US worker’s annual revenue, but the fact remains that the $168 or $25 (depending upon whose side you take in the argument) accounts for a great deal of money collectively. And while I have no qualms with the needy family who uses programs to get a hand-up, I have a big problem with those which seek a hand-out.

Social Care

Currently, the welfare system is written to where a mother with 6 kids currently, and not pregnant, can go on having children and receiving increased benefits. While some may say that it is the woman’s right to procreate as much as she wills, I would venture to say that should a family have existing children which they cannot support, it should not be upon the social care funding to provide additional assistance should that family decide to expand further. So a simple solution to that budget issue would be this. If you have welfare for a family of 8 and you go about having children, you still only get benefits for the family of 8. Dominic Bowkett

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SSI and disability needs regulation

While there has been a bit of restructuring to the SSI and disability funds in the US, the system remains grossly broken. According to the Social Security February 2017 report, the total monthly benefits in millions is 76,412 with the average monthly benefits equaling $1,249.55. Yes, there should be benefits allotted to the elderly and to veterans who cannot work. Yet, the scope of the definition of being disabled has been expounded to such great lengths, that the average bodied worker can claim such for one broken finger. It is true that a broken finger can cause discomfort, and that such takes time to heal. However, even with an amputated finger, a person is able to work (as there are 9 other digits). I am reminded of what Bill O’Reilly Stated when talking about work and addressing those who do not “It’s hard to do it because you gotta look people in the eye and tell ‘em they’re irresponsible and lazy. And who’s gonna wanna do that? Because that’s what poverty is, ladies and gentlemen. In this country, you can succeed if you get educated and work hard. Period. Period.”

budget issues

The problem, as with welfare, is that the system allows for too much to be given to too many. The budget issue is that there is 76 million dollars allotted to SSI persons per month. Coupled with the nearly 15 thousand that a single person can make a year, it is no wonder that there has been an increase in those trying to receive it. The solution? Screen applicants more strenuously. Only those which have physical and serious mental illnesses which would hinder work should get the benefits. The budget should allow less to be allotted per month to encourage the average man to work for his supper rather than have it catered to him. Dominic Bowkett

No ceiling means no responsibility

Perhaps the biggest issue with Social Care and the budget in the US is that there does not seem to be a ceiling on the funding. Every time there has arose an issue with the budget, specifically when the government’s total budget has threatened to shut down our government, instead of working out a solution which would help everyone out fiscally, the ceiling of our debt is increased. This is not a solution but feeding a beast which will continue to get bigger. If the allocation of funds continues to rise, but the vault which contains such funds continues to be depleted, those who are receiving social care funding will find that an unexpected and immediate grinding halt will occur in the future. Much like a person cannot expect to get a credit card and spend funds without maxing out their limits, so should be the mentality of the social care budget.

The Solution to Social Care Budgeting in the US

The bottom line is that governmental parties need to be more responsible with the funds that they issue to persons. Those who receive funds who have shown that they are not responsible enough to live with assistance should not get it. Period. Those which can work should be required to do so, and when there is no more money to give out, stop. Only then will the budget get balanced and we may see an increase instead of a depletion of funds in the social care sector. Dominic Bowkett