Dazzling in Dublin, Dublin Bus Volvo SG 9 in the city lights of Dawson Street with its special wrap for International Day of Persons with Disabilities 2023.

SG 9

142-D-12033

Phibsboro Garage

This infographic is an overview of a U.S. GAO report:

www.gao.gov/products/GAO-16-75SP

Social Security's Future: Answers to Key Questions

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-250

SOCIAL SECURITY DISABILITY: SSA Could Increase Savings by Refining Its Selection of Cases for Disability Review

a) When the number of cases due for a CDR exceeds SSA's capacity to conduct full medical reviews and mailers, the cases not initiated are considered backlogged for future review.

b) Beneficiaries with a low likelihood of medical improvement are sent a questionnaire known as a mailer. If they respond to a mailer in certain ways, SSA may refer them for a full medical review and would not count them as "mailers only."

c) Full medical reviews result in a decision to either cease or continue benefits.

Will Kirkpatrick

Sixteen-year-old Will Kirkpatrick, born with spina bifida, walks with the support of a cane or crutches, but most of the time he uses a wheelchair. Will’s disability doesn’t interfere with his busy schedule. When he’s not in school, he enjoys spending his time fishing, hunting, swimming, playing basketball and hanging out with family and friends. He and his brother like to watch TV together and surf social media sites such as Facebook. In the summer, he spends his time at two recreational camps.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Lakeshore Foundation www.lakeshore.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-354

RETIREMENT SECURITY: Shorter Life Expectancy Reduces Projected Lifetime Benefits for Lower Earners

Notes: Non-interest revenues are revenues from payroll taxes, taxation of benefits, and reimbursements from the general fund of the U.S. Department of the Treasury. Total costs include benefit payments, administrative costs, and Railroad Retirement Board interchange costs. (Interest revenue is excluded.) Changes made by the Social Security Benefit Protection and Opportunity Enhancement Act of 2015 may affect these figures. For further information about operations of the combined trust fund, see The 2015 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds, 158-159, www.socialsecurity.gov/OACT/TR/2015/.

Mallerie Badgett

(pictured left to right: Maggie Graham, Kristina Heuman, Mallerie Badgett)

Mallerie was born with cerebral palsy. When she was about three or four years old, she traded her crutches for a wheelchair. Shortly after, Mallerie began participating in sports and fitness at the Lakeshore Foundation recreation and education center. Today her favorite sports include basketball and track. She recently picked up rugby and hopes to play full-time soon.

Now, at 23 years old, she is finishing her bachelor’s degree in recreation at Birmingham’s Jefferson State Community College. Mallerie hopes to work for the Lakeshore Foundation someday.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Lakeshore Foundation www.lakeshore.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-516

FEDERAL LOW-INCOME PROGRAMS: Multiple Programs Target Diverse Populations and Needs

Note: Federal obligations include administrative costs. Low-income bar consists of 78 programs grouped into categories developed by the Congressional Research Service. Low-income programs totaling less than $100 million in federal obligations in fiscal year 2013 are not included in this figure.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-354

RETIREMENT SECURITY: Shorter Life Expectancy Reduces Projected Lifetime Benefits for Lower Earners

Justin Thompson

As a 16 year-old high school junior, Justin is busy studying for the SAT exams. He’s excited about college and all the opportunities that come with it. On a typical day, he would be outside playing soccer – he’s known for his skills as a right defenseman. However, Justin has been in a wheelchair for the last year.

Justin was injured in 2011 in his home town of Brooklyn, New York. He was leaving a party with some friends when a group of armed men wearing hooded jackets approached them. One of the men fired at Justin and shot him in the back. The bullet grazed his spine, bruising the bone. Justin’s doctors are hopeful that he could have a full recovery. For now, he is paralyzed from the knees down.

Justin still hasn’t returned to school full-time. When he’s not studying for the SAT or worrying about driver’s education courses, he enjoys playing video games with his friends, seeing movies and watching TV.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Christopher and Dana Reeve Foundation www.christopherreeve.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

Jerry Allred

Jerry Allred was hit by a drunk driver in 1976, his senior year of high school. The accident paralyzed both of his legs. But Jerry does not define his life by his disability. He lives life just like anyone without a disability would live their life.

Jerry has devoted himself to fitness, and today he is a competitive road-racer, basketball player and marathoner, and coach to a teenage basketball team. Formerly a professional computer programmer, Jerry retired three years ago to spend more time with his wife and kids.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Lakeshore Foundation www.lakeshore.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-20-120

SOCIAL SECURITY DISABILITY: Action Needed to Help Agency Staff Understand and Follow Policies Related to Prescription Opioid Misuse

Note: The rate of opioid prescriptions refers to the number of opioid prescriptions dispensed by retail pharmacies per 100 people in a county, and the rate of Disability Insurance (DI) claims refers to the number of DI claims per 1,000 people in a county. Counties with the highest rates of opioid prescriptions and/or DI claims refer to those in the top third of the statistical distribution for each rate. The rates of DI claims do not include DI/Supplemental Security Income (SSI) concurrent claims. We analyzed DI/SSI concurrent claims in a separate analysis and generally observed similar results.

ᵃWe had data available on both rates of opioid prescriptions and DI claims for 2,953 out of 3,142 counties nationwide in 2017 (i.e., we did not have data for 189 counties).

W.D. Foster

W.D. Foster is a former police officer and member of the United States National Guard. His injury occurred while exercising. He felt a sharp pain in his back and tried to shrug it off, but he collapsed as soon as he tried to stand up. W.D. was rushed to a local hospital where the doctor diagnosed him with muscle spasms. As the nurse was preparing him for discharge, she realized that he could barely walk. Nearly 10 hours after the injury, both of W.D.’s legs were paralyzed. The Mayo Clinic later confirmed that he experienced a spinal stroke.

W.D. lives just outside of Birmingham, Alabama, with his wife of more than 20 years. They have two children. His son is a senior at Auburn University, and his daughter works with the Birmingham police department.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Lakeshore Foundation www.lakeshore.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

William “Bill” Cawley

Bill Cawley is a 42-year-old father of four active children, all under the age of nine. He and his wife, Lizzie, were an instant match. They met and married almost two years after a diving accident left him paralyzed from the chest down.

Bill was a successful finance executive and philanthropist in Delaware before accepting a position with the Christopher and Dana Reeve Foundation three years ago. He recently relocated from Delaware to Pennsylvania with his wife and children.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Christopher and Dana Reeve Foundation www.christopherreeve.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

John Benedetto

John Benedetto is a three-time hand-cycle marathoner from Staten Island, New York. He’s 27 years old, and has lived with a spinal cord injury since 2009. He suffered the injury while body surfing on the New Jersey coast.

At the time, John was training for the New York City Marathon. His nurse suggested that John take a look at hand cycling as an alternate form of exercise. His first time on the bike was all John needed. The same year of his injury, John competed in the marathon as a hand cyclist. The bike has been a major part of his life ever since.

John finished his third New York City Marathon this year. His next goal is to complete the entire marathon, including the five daunting hills, without any assistance. When John isn’t racing, he is studying for his master’s degree in finance or spending time with his father and younger brother.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Christopher and Dana Reeve Foundation www.christopherreeve.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

Cherise Taylor

(pictured left to right: Cherise Taylor and Dr. Paula Stewart)

Cherise Taylor has spondylitis in her spinal cord and has been paralyzed for nearly 10 years. The degenerative disease progressed slowly; first she used a cane to walk, then a walker and now a wheelchair. Cherise likes to work out at least three times a week lifting weights and participating in a ‘crank’ class.

A native of Columbus, Georgia, she and her husband relocated to Birmingham, Alabama for his position in the military. One of her favorite things to talk about is her son, a 22-year-old enlisted member of the United States Marine Corps, who recently returned home after a two-year assignment in Japan.

More information about living with disabilities:

•CDC’s work in Disability and Health www.cdc.gov/ncbddd/disabilityandhealth/index.html

•Lakeshore Foundation www.lakeshore.org

•United Nations International Day of Persons with Disabilities (December 3) www.un.org/disabilities/default.asp?id=111

•CDC Video: Bernard Baker - “What’s Disability to Me?” www.cdc.gov/NCBDDD/video/bernard/index.html

•CDC Feature Article: “People with Disabilities: Living Healthy” www.cdc.gov/Features/Disabilities/

•CDC Feature Article: “Twentieth Anniversary of the Americans with Disabilities Act (ADA)” www.cdc.gov/Features/ADAAnniversary/

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-250

SOCIAL SECURITY DISABILITY: SSA Could Increase Savings by Refining Its Selection of Cases for Disability Review

a) SSA prioritizes a sample of about 60,000 cases annually to validate the statistical models.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-17-228

SSA DISABILITY BENEFITS: Comprehensive Strategic Approach Needed to Enhance Antifraud Activities

a) SSA employees who may review a claim include field office staff, hearing office staff, and administrative law judges.

b) Fraud referrals may also come to the OIG from nonemployees such as private citizens.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-19

SSA DISABILITY BENEFITS: Enhanced Policies and Management Focus Needed to Address Potential Physician-Assisted Fraud

a) In 1999, SSA eliminated the reconsideration step in 10 states (Alabama, Alaska, Colorado, Louisiana, Michigan, Missouri, New Hampshire, New York, Pennsylvania, and in the Los Angeles area of California) as part of the Prototype Initiative. In these states, claimants who wish to appeal their initial DDS determination must appeal for review before an ALJ.

b) If parties are not satisfied with the Appeals Council decision, they may pursue the matter further in federal district court.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-22-103815

Social Security Administration: Actions Needed by SSA to Ensure Disability Medical Consultants Are Properly Screened and Trained

ᵃOther consultants employed by DDSs to review medical evidence included speech-language pathologists and audiologists, among other specialties.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-19

SSA DISABILITY BENEFITS: Enhanced Policies and Management Focus Needed to Address Potential Physician-Assisted Fraud

Note: The figure represents fraud allegations reported to the Social Security Administration (SSA) Office of Inspector General from Disability Determination Services in calendar year 2013. Fraud allegations reported by other SSA components were not included in the data.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-19

SSA DISABILITY BENEFITS: Enhanced Policies and Management Focus Needed to Address Potential Physician-Assisted Fraud

Certain types of life insurance require a medical exam.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-531

DISABILITY INSURANCE: Actions Needed to Help Prevent Potential Overpayments to Individuals Receiving Concurrent Federal Workers' Compensation

a) SSA estimated that $6.1 billion in DI overpayments were made during the period covering fiscal years 2009 through 2013.

b) SSA estimated that $982 million in overpayments were associated with the concurrent receipt of all types of workers' compensation and public disability benefits.

c) SSA officials stated that an estimated $371.5 million in overpayments were associated with the concurrent receipt of FECA benefits.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-19

SSA DISABILITY BENEFITS: Enhanced Policies and Management Focus Needed to Address Potential Physician-Assisted Fraud

a) OIG may work with local, state, and other federal entities to investigate fraud allegations.

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-531

DISABILITY INSURANCE: Actions Needed to Help Prevent Potential Overpayments to Individuals Receiving Concurrent Federal Workers' Compensation

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-62

SOCIAL SECURITY DISABILITY BENEFITS: Agency Could Improve Oversight of Representatives Providing Disability Advocacy Services

Note: The figure represents information available to us regarding state and county contracts and their characteristics as of August 2014.

a) The state-issued contracts in Virginia and Colorado do not provide SSI/DI advocacy services to the entire state, but rather only to specific geographic areas within the state, according to state officials.

Mortgage insurance is usually offered by your financial institution when you apply for a mortgage

This image is excerpted from a U.S. GAO testimony:

www.gao.gov/products/GAO-15-673T

DISABILITY INSURANCE: Preliminary Observations on Overpayments and Beneficiary Work Reporting

Whether you are going to study abroad or are just traveling to another province in Canada, you would benefit from having supplemental student travel health insurance.

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When shopping for any travel health insurance, finding the right organization can often save you a significant amount of money.

The Canada Health Act requires that the provinces and territories extend medically necessary physician and hospital coverage to Canadians traveling out of their home province.

General iInsurance agency providing auto,homeowner's,commerical, life and disability insurance servicing Rhode Island, Norfolk and Middlesex Counties in Massachusetts and Windham County in Connecticut.

When it comes to #DisabilityInsurance and #CriticalIllnessInsurance, choosing the right insurance for your needs is often easier said than done. We offer both at DFSIN Toronto West. There are some key differences between the two types of insurance. For example, disability insurance will often only cover up to 70% of your monthly salary, whereas critical illness insurance can provide you with a substantial one-time, lump-sum payment to meet your needs over many months. For both types of #insurance, you’ll be able to receive your benefits in as little as 30 days from when you’re diagnosed with a disability or critical illness. Some of the most common illnesses covered by critical illness insurance include stroke, heart attack, cancer, and neurological disorders. Both types of insurance can help you pay for additional medication and doctor visits, hospital care, daily living expenses, and more.

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When it comes to #DisabilityInsurance and #CriticalIllnessInsurance, choosing the right insurance for your needs is often easier said than done. We offer both at DFSIN Toronto West. There are some key differences between the two types of insurance. For example, disability insurance will often only cover up to 70% of your monthly salary, whereas critical illness insurance can provide you with a substantial one-time, lump-sum payment to meet your needs over many months. For both types of #insurance, you’ll be able to receive your benefits in as little as 30 days from when you’re diagnosed with a disability or critical illness. Some of the most common illnesses covered by critical illness insurance include stroke, heart attack, cancer, and neurological disorders. Both types of insurance can help you pay for additional medication and doctor visits, hospital care, daily living expenses, and more.

To learn more about critical illness insurance and long-term disability insurance, visithttps://www.dfsintorontowest.catoday or call (416) 695-1433.

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A photo depicting Disability Insurance

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1004 W Georgia Road, Suite G

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Locally owned and operated State Farm Insurance Agency proudly serving your community with courtesy and integrity. Liz's experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our financial services, banking products, auto loans and business policies are expertly tailored to your individual needs.

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Liz Berry - State Farm Insurance

1004 W Georgia Road, Suite G

Simpsonville, SC

29680

Locally owned and operated State Farm Insurance Agency proudly serving your community with courtesy and integrity. Liz's experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our financial services, banking products, auto loans and business policies are expertly tailored to your individual needs.

(864) 228-6300

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Liz Berry - State Farm Insurance

1004 W Georgia Road, Suite G

Simpsonville, SC

29680

Locally owned and operated State Farm Insurance Agency proudly serving your community with courtesy and integrity. Liz's experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our financial services, banking products, auto loans and business policies are expertly tailored to your individual needs.

Insurance: Auto, Business, Personal Wallingford CT

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203-269-9565

(864) 228-6300

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Liz Berry - State Farm Insurance

1004 W Georgia Road, Suite G

Simpsonville, SC

29680

Locally owned and operated State Farm Insurance Agency proudly serving your community with courtesy and integrity. Liz's experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our financial services, banking products, auto loans and business policies are expertly tailored to your individual needs.

(864) 228-6300

(864) 228-3859

Liz Berry - State Farm Insurance

1004 W Georgia Road, Suite G

Simpsonville, SC

29680

Locally owned and operated State Farm Insurance Agency proudly serving your community with courtesy and integrity. Liz's experience and professionalism ensures that you will receive the maximum coverage at the most competitive premium. Our financial services, banking products, auto loans and business policies are expertly tailored to your individual needs.

Insurance: Auto, Business, Personal Wallingford CT

6 North Main Street

Wallingford CT, 06492

203-269-9565

An important element to include in your budget is disability insuranceespecially if you are self employed.

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