Talk Poverty "Disability Is a Cause and Consequence of Poverty" by Rebecca
Vallas and Shawn Fremstad -- September 19, 2014
“It is a cause because it can lead to job loss and reduced earnings, barriers to education and skills
development, significant additional expenses, and many other challenges that can lead to economic
hardship.
"It is also a consequence because poverty can limit access to health care and preventive services, and
increase the likelihood that a person lives and works in an environment that may adversely affect health.
"Half of all working age adults who experience at least one year of poverty have a disability.
"The result? Poverty and disability go hand in hand. The poverty rate for working-age people with
disabilities is nearly two and a half times higher than that for people without disabilities. Indeed,
recent research finds that half of all working age adults who experience at least one year of poverty have
a disability, and nearly two-thirds of those experiencing longer-term poverty have a disability. People
with disabilities are also much more likely to experience material hardships—such as food insecurity;
inability to pay rent, mortgage, and utilities; or not being able to get needed medical care—than people
without disabilities at the same income levels. The same goes for families caring for a child with a
disability.
"In addition to income poverty, individuals with disabilities are also nearly twice as likely to lack even
modest precautionary savings in case of an unexpected expense or other financial shock. Fully 70 percent
of individuals with disabilities responded that they “certainly” or “probably” could not come up with
$2,000 to meet an unexpected expense, compared to 37 percent of individuals without disabilities.
“Yet the intersection of disability and poverty is too rarely discussed. In fact, until recently the U.S.
Census Bureau’s annual report detailing income, poverty, and health insurance coverage didn’t even include
poverty rates for people with disabilities. It does now, and the data released earlier this week put the
poverty rate for working-age people with disabilities at 28.4 percent in 2013, compared to 12.4 percent
for those without disabilities.
"Yesterday the Senate Committee on Health, Education, Labor and Pensions, chaired by Senator Tom Harkin,
took up this issue in a hearing and a report based on 400 interviews with people with disabilities who are
struggling on the brink.
"Toya, a woman in her thirties with Cerebral Palsy who was interviewed for the report, describes needing
to buy new shoes each month because of her walking pattern. Another woman interviewed talks about having
to purchase “special clothes because of my body distortions, and lots of day-to-day adaptive equipment
that insurance doesn’t cover.” Anne, who is blind, relates that while she’d like to work a second job, the
additional time it takes her to get ready for and take transportation to and from work makes it
impossible.
"Many of the interviewees discuss a lack of reliable accessible transportation. A man in his 30s with a
physical disability describes his struggles with para-transit: “My work is located outside my local zone
which requires long wait times at transfer stops. To go to work it could take me 2 hours-plus to travel 9
miles and I have to call the day before to arrange this at 6:00 a.m.” The difficulty of finding affordable
accessible housing is mentioned frequently as well. One woman describes her wait to obtain affordable
housing through the “Section 8” program: “In order to find housing, you’re put on a list that is years
long. I keep having to call them and see if somebody died and make sure my name stays on the list.”
"Interviewees also discuss restrictive and outdated asset limits in the Supplemental Security Income
program, which provides modest income support to individuals with significant disabilities and very low
incomes and assets. Individuals are prohibited from having more than $2,000 in assets—nearly unchanged
from the original level set in 1972. Had the asset limit been indexed to inflation when the program was
established, it would be more than $8,500 today. As one woman put it: “The requirements of SSI make it
difficult to save money, such as for medical emergencies, internship experiences, or purchasing expensive
equipment.
"It’s critical to note the progress that has been made in the past several decades. The Americans with
Disabilities Act, enacted nearly 25 years ago, prohibits discrimination on the basis of disability and
guarantees that people with disabilities have “equal opportunity” to participate in American life. The
Individuals with Disabilities Education Act (IDEA), enacted the same year, requires that students with
disabilities be provided a “free, appropriate public education” just like all other students. The
Workforce Innovation and Opportunity Act expands access for people with disabilities to education and
training programs, programs for transition-age youth and young adults transitioning to adulthood, vocation
rehabilitation, and more.
"But as Chairman Harkin noted at yesterday’s hearing, much work remains. In order to break the link
between poverty and disability, it’s imperative that disability be expressly contemplated as part of a
broader antipoverty agenda, not as a separate issue or afterthought.
"Policymakers have a number of policy solutions at their fingertips that could make a real difference
today. Expanding Medicaid would make it possible for more low-income Americans to access preventive care,
and reduce financial strain for low-income individuals with disabilities. Ensuring paid leave protection
and paid sick days would benefit both workers with disabilities and workers who care for family members
with disabilities. Raising the minimum wage would boost the incomes of many workers with disabilities, who
are especially likely to work in low-wage jobs. Likewise, boosting the Earned Income Tax Credit for
workers without dependent children would benefit many workers with disabilities, who are less likely to
have children.
"In addition, investing in affordable, accessible housing would enable more people with disabilities to
obtain safe and stable housing and live independently. And investing in accessible transportation would
enable more people with disabilities to take jobs that they currently can’t get to and from without
spending hours in transit. We also need to update the SSI asset limits and improve the program’s work
rules so that beneficiaries can keep more of their earnings and save for the future. Similarly,
simplifying the work rules in the Social Security Disability Insurance program would make it easier for
beneficiaries to test their capacity to work.
"These are just first steps, but they would go a long way to ensuring that poverty and disability no
longer go hand in hand."