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Residual and institutional perspectives on social welfare
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Blaming the Victim
This does not really apply to this policy. While it does isolate the poorest seniors and gives them more benefits, this is not blaming them and is actually helping them survive.
Values Analysis
This does not apply to this policy.
Residual and Institutional Approaches to Social Welfare This proposed policy would be both a residual and institutional approach to social welfare. There would most likely be some sort of stigma attached to receiving more Social Security benefits, but it would not have to be made extremely public, such as how the SNAP program runs today. Also, since the poorest people are receiving the most money and is used as a safety net when their other income is not enough, it would be classified as residual.
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There are numerous latent functions associated with this policy. First, the funding for these governmental programs will not run out as quickly, so they will not have to borrow money or abruptly cut benefits. Next, the neediest Social Security and Medicare recipients would be able to save more money than usual and perhaps have a fund in case of emergencies. This would lead to a sense of security in their financial well-being and less anxiety over any potential problems that may arise. In addition, they could also spend more and stimulate the economy with the money they will save on health care expenses and other services. Finally, there would appear to be a more “level playing field” and those who need the most will receive the most. The people who already have enough money to survive do not need all of these extra benefits, and since the percentage of seniors actually living in poverty is fairly small, this readjustment can make that statistic even lower. However, the opposite would be in effect for those who will get less from these programs. There will most likely be backlash and bad publicity regarding this from those in the higher classes. Secondly, these people may have to start cutting corners financially and will not be spending as much in the economy. Overall, another latent function would be having money in the federal budget to spend in other ways. If money is being cut back from these two programs, more can be spend where it is very much needed, such as education and taking care of the large national
In the summer of 1996, Congress finally passed and the President signed the "Personal Responsibility and Work Opportunity Reconciliation Act of 1996", transforming the nation's welfare system. The passage of the Personal Responsibility and Work Opportunity Act sets the stage for ongoing reconstruction of welfare systems on a state-by-state basis. The combined programs will increase from nearly $100 billion this year to $130 billion per year in 6 years. Programs included are for food stamps, SSI, child nutrition, foster care, the bloss grant program for child- care, and the new block grant to take the place of AFDC. All of those programs will seek $700 billion over the next 6 years, from the taxpayers of America. This program in its reformed mode will cost $55 billion less than it was assumed to cost if there were no changes and the entitlements were left alone. The current welfare system has failed the very families it was intended to serve. If the present welfare system was working so well we would not be here today.
There are millions of Americans affected by social security. These Americans rely on social security to provide them with financial security. Recently President Bush agreed to proposing a method of privatizing the social security program so that in the future the vast reserves of the social security system would not run out nearly as fast. With the always increasing rise in inflation, and the baby boomer generation reaching ages of retirement fairly soon, this is an issue that needs to be dealt with correctly and rapidly. The way the president is handling the situation is definitely the right way to do it. There are many things and ways in which to do it wrong, but the president seems to be pointing the plans of social security in the right direction. The president’s plans of reforming social security are right because the privatization is the best way to go, changing the rules for those who would apply for it increases the savings and makes the money go farther, and working with the distribution of different tax percentages would really make the money go a lot farther.
There might be a lot fewer Americans who need to seek others forms of public assistance.Due
This mini-paper will discuss the social welfare system. The mini-paper includes a discussion of welfare Policy, residual and institutional approach, and what is Social Welfare and Social Security. Midgely, (2009), pointed out that social welfare systems deliver services that facilitate and empower our society, especially to those persons who require assistance in meeting their basic human needs. The goal of social welfare is to provide social services to citizens from diverse cultures, and examples include Medicare, Medicaid, and food benefits. Midgley,( 2009).
optional part of the plan. The elderly were the primary focus of coverage, and the social security
Social Security is a system that was set up in 1935 after the Great depression to help people get through tough times. "Social Security is now used by nearly 44 million Americans"(policy.com). Only people who payed into social security are eligible to collect when they retire. Many people think that they receive the money they pay in but that is not total true. The money that you pay in is used for the people that are receiving it now. "In 1950 there were 16 workers for every beneficiary; today there are only three workers per beneficiary"(policy.com). There is more money going into social security then coming out now. The extra money goes into a trust to be used when it is needed. By the year 2032 those numbers are going to drop. By this time most baby boomers will be retired and collecting social security. This will put a big strain on the funds. There will be more money going out then coming in. And it will not take long to use all the money that is in the trust. By the year 2034 they will only be able to pay 75 percent of the beneficiaries. "The projected average monthly Social Security benefit in 2032 of about 1,100 (in 1998 dollars) would fall to about $800, and would drop further in later years. Average benefits for low-wage earners would drop from $670 to $480"(www.ssab). Theses cut would effect the people just starting to receive benefits and those who are already receiving benefits. And with each year these benefits will decrease. As these benefits continue to decrease "the percentage of aged people living in poverty would rise"(www.ssab).Most people believe this is happening because of the baby boomers generation. There will be more people taking from social security then giving in. By the time my generation is eliable to receive social security there may not be any money to give.
Despite the retirement income crisis, Social Security should be expanded, not reduced. In Arthur Delaney’s article on the Huffington Post, Senator Bernie Sanders stated, “With the middle class struggling and more people living in poverty than ever before, we cannot afford to make life even more difficult for seniors.” A push to adopt CPI-E, rather than a switch to a “chained” consumer price index that cuts retiree benefits, would m...
Polsky, D. (2009, June). The health effects of medicare for the near-elderly uninsured.. Retrieved from http://web.ebscohost.com/ehost/detail?hid=105&sid=a55fa2f1-dfd5-41b9-a739-d67a1b9ba856%40sessionmgr114&vid=3&bdata=JnNpdGU9ZWhvc3QtbGl2ZQ%3d%3d#db=a9h&AN=39772605
I would agree that the welfare system is a “broken system”, but I wouldn’t necessarily say that the welfare system needs to be “wiped out” before it can be improved. The welfare system is a large system and within that large system there are parts of the system that works well and there are parts that need additions and changes made to be more effective system with assisting individuals to become self-sufficient. Additionally, the welfare system needs to undergo change to become a more efficient system.
Social security, since instituted in 1935, has kept many elderly people from running below the poverty line (Hosansky). In 2015, the Social Security Administration predicted that the funds would be depleted by 2034 (Max). This poses a serious threat to the living situation of future generations when they retire. Our elderly, by today’s standards, enjoy a comfortable lifestyle. They are able to retire and still make over one thousand dollars a month. Some people also have private pensions which allow them to live even more comfortably. But with social security funds running out, we must ask the inevitable question. Is it worth having social security anymore? Social security should be kept. One must never fully rely on social security. In addition
Being raised in a single-parent lower class home, I realize first-hand the need for welfare and government assistance programs. I also realize that the system is very complex and can become a crutch to people who become dependent and complacent. As a liberal American I do believe that the government should provide services to the less fortunate and resources to find work. However, as able-bodied citizens we should not become complacent with collecting benefits and it is the government’s job to identify people who take advantage of the system and strip benefits from people who are not making efforts to support themselves independently. I will identify errors that exist within the welfare system and several policy recommendations to implement a change that will counteract the negative conditions that currently exist.
Before the social security act of 1935 the support of the elderly was a “state matter”, the state held the power to regulate money that was given to the people. The elderly and physically disabled had to rely on their sates to implement programs to help them financially and most states during the great depression didn’t see this problem as a necessity. The Roosevelt administration caught this and created social security on a national level. “The social security act of 1935, an act which sought to provide general welfare by establishing a system of federal old-age benefits, and by enabling the several states to make more adequate provisions” (SSA). The key word in the quote is “federal old age benefits” which means the...
As foreclosure becomes a major problem in America people are looking for a way to save their homes without completely losing everything. Owning a home with a white picket fence is the American dream but in recent years it has become more of a nightmare. One way to fix the foreclosure problem would be to use social security as way to help pay for the debt they have accrued. Social security is set up to help Americans when they retire and also to help them in troubling situations such as, insurance for disability, veterans insurance, food stamps, unemployment insurance, and other forms of welfare. The government could use the social security fund as a way to help people out of debt and help save their homes from foreclosure. A plan that uses social security money to help people out of debt could be set up as a loan with a low interest rate attached. This loan could have a form of collateral attached in order to create a program where people are not just taking money with out responsibility and understand the value the given money carries. In order to determine what amount of money people would receive, a figure could be estimated based on their current jobs and how much they are estimated to receive from social security by the time they reach the age of retirement. This amount of money would equal their amount for their loan to help pay off their debt. Essentially people would be barrowing their social security money but would eventually be paying it back. Ideally when they go to retire they would not have lost any of their social security money. The loans must only be used to pay back debt on ones home and if used on something else, such as car payments, or are not paid back, then the person will receive less money then previou...
... certain amount of money before being kicked off the programs, making it difficult to get out of poverty. Without some major changes in policy the situation will only worsen. The nation debt will increase due to health expenditures, and taxes will be raised to cover the cost, leaving even more people in poverty.
There is much-heated debate on the issues of Social Security today. The Social Security system is the largest government program of income distribution in the United States. People are concerned that they won't see a dime of what they worked so hard to contribute into the Social Security system for so many years. Social Security provides benefits to about forty-three million Americans. Not only to retired workers, but also to their spouses and dependents of the workers who die prematurely. It also provides benefits to disabled workers and their dependents. Social Security appears to most people like a simple retirement saving’s account. After all, you generally contribute through payroll deductions, then get money back after you retire. Nonetheless, Social Security is a complex and intricate communal program. By design, Social Security involves massive subsidies from the next generation of retirees to the present, from single workers to married couples. Now that the gigantic post World War II baby boomers generation approaches retirement age, there is concern about the consequences it will have on Social Security. There are basically three options, we can do nothing and allow Social Security to run it’s course, revise Social Security, or consider privatization of the system.