Disability, Poverty, and Systemic SSI-Related Discrimination
- Information Bulletin #201 Part A (3/07)
As a result of writing "Disabled People and Poverty in 2007"
(Information Bulletin #197 A), a form of discrimination related to
SSI became very apparent to me. Because I have not seen it
discussed publicly, I thought you might be interested.
BACKGROUND INFORMATION:
Most folks think of Supplemental Security Income (SSI) as only the
monthly check older Americans and people with disabilities receive
to live in the community in their own apartments/ homes or with a
spouse. They typically also think that SSI benefits are entirely
from the federal government.
Those assumptions are not true.
There are also State supplementary payments made by many States
"to a recipient" of SSI as a "complement" to the Federal benefit
rate. The combined federal and state benefit is supposed to
"increase the amount of income available to the [SSI] recipient to
meet his[/her] needs."
In 2007, the SSI "Federal Benefit Rate" (FBR) is $623 a month.
This is what the federal government mandates as the MINIMUM
monthly benefit throughout the country. It's what federal taxes
and revenue pay to SSI recipients. If an older American or person
with a disability receives only $623 a month, they are being
expected to survive on an amount of income that is only at 76% of
the federal poverty level.
What is not widely known is that states may supplement the federal
benefit rate with an "optional state supplement"(OSS). Some states
pay a supplement to persons who live in the community, some states
pay a supplement to persons who reside only in state institutions
or group living situations (aka "community institutions"), e.g.,
assisted living facilities, personal care boarding facilities,
foster care homes, domiciliary care facilities. Some states do not
pay OSS regardless of where the person lives.
Therefore, in addition to the minimum federal benefit rate of $623
a month, states may pay an "optional state supplement "(OSS) for
people to live either in the community, alone or with a relative
or an attendant, or in an institution. States receive no federal
match for any optional state supplement that is paid with state
funds. Depending to which living situations a state pays its OSS,
obviously, impacts on whether a person will be financially able to
reside "in the most integrated setting" - their own home or at
least with a relative in the community.
A BREAKDOWN LOOKING AT BOTH ADA DISCRIMINATION AND POVERTY
Let's look at the breakdown of states' monthly OSS payments based
on whether they are paid to persons living in their own households
in the community versus in an institutional/group/congregate
setting. For the purposes of our breakdown we are including
"community institutions"
(group homes, board and care homes, domiciliary care homes, adult
foster care homes and any other group living situations) in our
definition of "institution." It's important to remember that the
optional state supplements are paid in addition to the federal
benefit rate. The following data is from the SSA document "State
Assistance Programs for SSI Recipients, January 2006," and can be
found at http://ssa.gov/policy/ - just click on "State Assistance
Programs for SSI Recipients, January 2006"
(There is a link to download the entire book in pdf), or
www.socialsecurity.gov/policy/docs/progdesc/ssi_st_asst/2006/
While there is great variation by state in how OSS is paid and who
qualifies, here are some of the things we know for sure.
A mere 3 states pay an optional state supplement only if the
person on SSI lives "independently" in the community. These states
do not pay OSS to any kind of institutional setting - this
encourages integration.
8 states pay NO OSS at all regardless of where the person
receiving SSI lives (in the community or in an institution) - they
are just cheap and keep persons on SSI in deeper poverty, but are
"neutral" with integration.
23 states pay an OSS for SSI recipients who live either in their
own home in the community OR in institutional settings - these
states might be considered fair IF the amount of the optional
state supplements were the same or higher in the community than in
the institution. Because most states pay much more to the
group/institutional settings, they are discriminating against "the
most integrated setting" and are not significantly helping the
poverty issue.
17 states pay OSS only if the person on SSI resides in an
institutional setting. They do not pay any OSS to people living in
their own homes in the community - these states are the most
obviously discriminatory and they are perpetuating poverty for SSI
recipients.
The overall discrimination occurs in several ways. As you look at
the following numbers, remember to compare the total income (FBR
+OSS) for each person in a community/independent setting versus
the total (FBR +OSS) available to persons in institutional/group
settings. You will +need to add the FBR for 2007, $623/month, to
each of the following OSS numbers, and just fyi, the OSS numbers
may have been rounded up or down to the nearest dollar.
THE 23 STATES THAT PAY OSS TO BOTH COMMUNITY AND "COMMUNITY
INSTITUTIONAL" SETTINGS
First, these 23 states pay a monthly optional state supplement for
SSI recipients regardless of where the person lives, i.e., whether
in their home or in institutional settings. However, OSS payments
vary markedly from state to state, and in nearly every state
people living in institutions, such as group homes, receive much
larger optional state supplement payments than they would receive
if they lived in the community in their own household.
Alabama - $60 a month OSS for an individual living alone in the
community versus $110 OSS a month for a person living in adult
foster care and $196 a month OSS in CP treatment center.
Alaska - $362 OSS a month for an individual living alone in the
community versus $100 a month OSS for a person living in assisted
living.
California - $209 a month OSS for an individual living alone in
the community ($274 if you are blind) versus $407 a month OSS for
a person living in "non-medical out of home care, living in
household of another." (There are additional OSS amounts in CA,
but the effect is the same)
Colorado - $25 a month OSS in your own home versus $271 a month
OSS in adult foster care. CO also pays an OSS of $464.15/month for
people in their own homes who would otherwise qualify for a
nursing home.
Connecticut - $168 OSS in independent community living versus an
unstated, variable amount of OSS to licensed room and board
facilities. Those OSS payment amounts are set based on individual
cost data for the operations of each individual facility.
Idaho - $32 OSS for living independently or in the household of
another versus $177 OSS in Room and Board facility or group home
and from $319 to $453 in assisted living facility or certified
family home Levels I - III.
Illinois - Specific amounts not reported, but OSS is paid for both
living independently, and either a Room and board facility or
residential facility. OSS based on given individual needs.
Iowa - $22 OSS for living independently or in the household of
another versus $291 in Residential care. There is also an OSS of
up to $480.55/mo for people who get home care to prevent
institutionalization in a nursing home.
Maine - $10 OSS for living alone or with others versus $49 in
foster care, $217 in flat-rate boarding home, and $234 in cost-
reimbursement boarding home.
Massachusetts - $114 OSS for living independently (with higher
rates paid to people who are older or blind) versus $454 in
assisted living and $293 in licensed rest home.
Michigan - $14 OSS if living independently versus $87 domiciliary
care, $157 personal care facility (group home/adult foster care
home), and $179 home for aged.
Minnesota - $81 OSS if living independently versus $130 in non-
medical group residential facility.
Nevada - No OSS for people with disabilities in ANY living
situation versus $36 OSS for aged and $109 for blind living
independently versus $391 domiciliary care for aged and blind
only.
New Hampshire - $27 OSS for living independently or with others
versus $207 for a residential care facility and $149 for a
community residence.
New Jersey - $31 OSS for living alone or with others versus $150
OSS for a congregate care facility and $210 OSS in a residential
health care facility.
New York - $87 OSS for people living alone, or in some cases with
others versus $266 OSS in a level 1 congregate care facility, $435
in a level 2 facility, and $525 in a level 3 facility.
Oregon - $1.70 OSS is paid for aged and disabled in ALL living
situations (living alone, household of another, and residential
care facility or adult foster care facility). If someone is blind,
the OSS increases to $26.70 in all living situations.
Pennsylvania - $27 OSS for people living alone or in someone
else's household versus $389 OSS in domiciliary care facility and
$394 OSS in personal care boarding home.
Rhode Island - $57 OSS for people living alone versus $575 in
adult residential care or assisted living facility.
South Dakota - $15 OSS for people living independently versus $570
OSS in assisted living facility and $287 in adult foster care
home.
Vermont - $52 OSS for people living independently versus $224
residential care home level IV and $99 custodial care family home.
Washington - $46 OSS for people living independently or in
congregate care group facilities.
Wisconsin - $84 OSS for people living independently versus $180
OSS in non-medical group home.
THE 17 STATES THAT PAY OSS ONLY FOR INSTITUTIONAL SETTING
("Community Institutions" or group/congregate settings)
Second, there are 17 states that pay a monthly optional state
supplement ONLY if the person on SSI resides in a "community
institution" or group setting. These states pay NO optional state
supplement if the person lives in the community. In these states,
older Americans and persons with disabilities in the community
receive only the federal benefit rate, but if they were
institutionalized in assisted living facilities, personal care
boarding facilities, foster care homes, domiciliary care
facilities, these institutions would receive both the federal
benefit rate and the following optional state supplement (OSS) for
each person.
Delaware - $140 OSS for the person living in adult certified
residential care facility.
DC - $347 OSS for a person living in adult foster care "home" with
less than 50 beds and $457 OSS in adult foster care "home" with
over 50 beds.
Florida - $78 OSS for a person living in either assisted living
facility or adult family care.
Hawaii - $522 OSS in either a foster care home or domiciliary care
facility level I and $630 in domiciliary care facility level II.
Indiana - $594 OSS for someone to live in a licensed residential
facility.
Kentucky - $520 OSS for personal care facility and $172 in family
care home. (Kentucky also pays $62/mo OSS to people in their own
homes who are eligible to receive caretaker services to prevent
institutionalization, so maybe it should be in previous category.)
Louisiana - $8 OSS in Medicaid facility only (e.g. a nursing home
or a state developmental disability institution). There is no OSS
paid to people living in their own home, or living in a "community
institution."
Maryland - $184 OSS in assisted living facility, and $66 in a care
home with minimal supervision, $175 in a care home with moderate
supervision, $463 in a care home with extensive supervision, and
$666 in a care home with specialized and intensive supervision.
Missouri - $156 and $292 OSS for licensed residential care
facility, levels I and II, and $390 OSS for licensed intermediate
care or skilled nursing home.
Montana - $94 OSS for assisted living facility or group home,
$52.75 for an adult foster care home, and $26 for a transitional
group living situation.
Nebraska - $118 OSS in a room and board facility, $148 in a
certified adult family home, $188 in a licensed center for the
developmentally disabled, and $428 in assisted living.
New Mexico - $100 OSS for people in an adult residential care
home.
North Carolina - $561 OSS for an adult care home (basic), $674 for
a "disenfranchised" adult care home, and $958 OSS for a special
care unit adult care home.
Ohio - $306 OSS in adult community mental health housing, $506 OSS
adult family or foster home, adult community alternative home,or
adult residential care facility, and $606 OSS in an adult group
home and residential care facility.
South Carolina - $348 OSS in a licensed residential care facility.
Texas - $30 OSS is paid to SSI recipients living in Medicaid
facilities only (e.g. a nursing home or a state developmental
disability institution). There is no OSS paid to people living in
their own home, or living in a "community institution."
Virginia - $597 or $449 OSS is paid in assisted living facilities
and in adult foster care (the OSS amount depends on geographic
location).
THE 7 STATES THAT PAY NO OSS UNDER ANY CIRCUMSTANCES
The 7 states that pay absolutely no OSS whatsoever- in any living
situation- are Arizona ( if person "requires housekeeping
services," the state pays $70 as OSS under the auspices of the
Social Security Act for those services, but does not pay any
additional cash OSS benefits), Arkansas, Georgia, Kansas,
Mississippi, North Dakota, Tennessee, West Virginia (while WV does
not technically provide an OSS under the auspices of the Social
Security Act, it does make monthly payments on behalf of each
resident to providers who run Adult Family Care Homes
($814/month), Licensed Personal Care Homes, ($1056.50/month) and
Residential Board and Care Homes ($1056.50/month), so maybe WV
should be in the preceding category.)
THE 3 STATES THAT PAY OSS ONLY IN INDEPENDENT SETTINGS
The 3 states that pay an optional state supplement only if the
person lives in their own household in the community are Oklahoma
($48 a month OSS), Utah ($3 a month OSS for someone living in the
household of another ($9.70 for a couple), and $4.60 OSS for a
couple living independently), and Wyoming ($10 a month OSS).
Why would States want to pay an optional state supplement to
"community institutions", such as assisted living facilities,
personal care boarding facilities, foster care homes, domiciliary
care facilities? How do such payments satisfy the ADA's "the most
integrated setting" mandate? Aren't such payments another form of
institutional bias that we have seen in other situations?
Supporting these "community institutions" perpetuates
discrimination against persons with disabilities and older
Americans.
--
Source: Steve Gold, The Disability Odyssey continues
In the next Information Bulletin, we'll discuss some these
questions in more detail, and some strategies you can use to
reduce this discrimination.
Special, special thanks goes to Marsha Katz, Rural Institute at
the U of Montana, for her SSI expertise and encouragement.
Back issues of other Information Bulletins are available online
at http://www.stevegoldada.com
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