Wednesday, June 11, 2014

Government Health Benefits is Very Important

Government benefit programs such as the Lifeline Assistance Program, Food Stamps, Medicaid are necessary resources to help many families make it thorough on a day to day basis. There are many families that have very limited financial resources; and many of these families have under-aged children and and members of families who through no fault of their own are financially strapped and need the assistance of government in the form of food, medical attention and other basic emergency needs.  However, it is all too common for the uninformed to have negative thoughts and voice strong opinions about people who receive Government benefits.  They are classified as lazy and moochers in which lawmakers seem to cut benefits without a second thought.  Many of these families having financial difficulties are ashamed and tend not to speak up for themselves.  They also feel that it is not popular to be in this position receiving benefits and it is all too easy to label them in a negative light.  However, there are many advocates of families that are having financial difficulties and the message that benefits are needs for these families to survive.  But, there is more awareness needed to educate ourselves about the facts of who these families are that need these types of benefits.
       
We should understand that children make up a significant number of these family members that need Government assistance.  There may be one or two parents in the family but if there are three children for example, why should they suffer the hardship.  Why should they go without having enough food, not being medically treated or treated in a sub-par manner, and even not being allowed to have local phone services in case of emergencies. Children cannot help the the family that they were born in or control the family finances.  So it is logical that the government help them even if it means helping the entire family.  Also, there are many people in families that are disabled, mentally challenged and/or have medical bills through no fault of their own.  It is by chance that some people develop or are born with certain illnesses than others.  Having significant illnesses and disabilities can cause a family to have financial stress in an instant and therefore requiring the need for Government assistance.  One can wonder why would it not be appropriate for the Government to help a family with medical concerns if they cannot help themselves.  I can not think of a reason.
           
What I believe we can do to increase the effectiveness of these type of Government benefit programs are to invite these families and members to speak publicly to lawmakers about their needs and why receiving the benefits are important.  I believe it will help the effectiveness of lawmakers better considering the goods from the programs if they put a face and voice to the people actually receiving the benefits.  Also,  it will better educate the public as to these benefits and realize that their stereotype of the common recipient of Government benefits are not what they think.  Government agencies can help by putting more safeguards in place so that true families that are in financial need are receiving the benefits.  Therefore, directing more benefits to the right families increasing the effectiveness.  It is my belief that providing Government benefits to those families that are in financial need plays valuable role in our society and should remain a part of what our Government does.

Monday, May 19, 2014

We Should Learn New Strategies for Medicaid Long Term Care Qualification

In our nation, there is a plethora of people utilizing our government’s welfare system. This government initiative can serve to help people, but are costs of such welfare programs worth it? Although there are plenty of people who cannot work, there are also many who “leech off the system” so to speak. This leads to the government wasting valuable resources on individuals who are perfectly capable of joining the work force. As a nation, we must take steps to effectively use welfare to help those in need, while preventing perfectly healthy individuals from taking advantage of such benefits.    

A problem that plagues our welfare system today, is the many able-bodied people who essentially “steal” welfare funds from those who actually need it. Perhaps one reason for this problem is the fact that in some states, welfare programs pay better than any minimum wage job. In fact, in 35 states, government aid programs pay more than minimum wage jobs (Roy). Why would one want to work if he could just sit at home and collect just as many funds, if not more, through welfare programs? This problem kills off any incentive an individual might have to work; in fact, according to reports from the Census Bureau, 108.6 million Americans were benefiting from some form of government welfare (Rousselle). At their absolute worst, welfare programs “reward people for not working” and “incentivizes people to develop habits that make it harder for them to find work in the future, miring them in permanent poverty” (Roy). Not only does this dangerous effect of welfare waste government resources, it also puts an “economic damper” on our nation. Wasteful welfare expenses increase our federal debt, while preventing  healthy individuals from contributing to our economy through the workforce.



Who needs welfare anyway?  There many people who actually need the assistance provided by government welfare programs. Veterans, the physically disabled, and the elderly are examples of groups that need assistance. These individuals need welfare mainly because most of them are unable to work. The handicaps of the physically disabled obviously prevents them from being employed; in addition, the elderly may find it difficult to work a job because of their age. Veterans may need assistance in order to reintegrate themselves into society. Perhaps the newly unemployed need benefits also; however, I believe the benefits should expire or be reduced after a set deadline. As you can see, not everyone who receives government aid are freeloaders.

How do we ensure that people who really need welfare benefits receive them? One idea for preventing individuals from siphoning off welfare funds is mandatory drug-tests. A person should not receive welfare benefits if he or she is going to use those funds to support a drug addiction. If an individual really needs help, he or she should cut any unnecessary expenses, such as drug, alcohol, and tobacco product purchases. Also, welfare in the form of food stamps should only be used for the bare necessities, such as bread, milk, eggs, and other essential items. They should not be used to purchase extravagant foods. The purpose of food stamps is to provide nutrition for the needy, not a potluck dinner! What if we made the states responsible for welfare? Currently, the federal government provides for the nation's welfare costs; however, if the states took responsibility for providing welfare to their citizens, they would have to be accountable for any waste or welfare abuse that occurs. This would force the states to enforce stricter application processes and budget cuts to provide for such programs (Montgomery). This action would foster accountability among our state governments. Also, up-to-date medical records should be provided at the time of welfare application. This will ensure that the potential recipient is indeed, unable to participate in the nation's workforce. As mentioned before, newly unemployed people should receive benefits if needed; however, they should attain a job before a set deadline. The state governments could set the deadline themselves. Finally, private enterprises and religious groups should take it upon themselves to handle our nation's poor and handicapped. If everyone were a little more generous, perhaps every man, woman, and child could go to sleep at night, not worrying about where tomorrow's subsistence will come from.

Promoting the effective and responsible use of government welfare can go a long way in alleviating the struggles of the impoverished, elderly, and handicapped. Welfare is an attempt to help the needy, but without proper management, it can serve to further worsen the plight of the poor. Maybe, if everyone was a little more ethical, our welfare system would be much more effective than it is today. If we, as a nation, can stand up and work together to help those in need around us, the government would be relieved of the pressures of providing for welfare. Welfare can only be effectively used if ethics, integrity, and generosity are promoted.       

Sunday, April 27, 2014

Proper Planning to be Qualified for Medicaid and Protect Your Assets

Government benefit programs such as Lifeline Assistance, Supplemental Nutrition Assistance Program, Unemployment Benefits and Medicaid can help promote the well-being of our society and effectively develop our workforce. These four key programs help meet the basic needs of our society and look to improve the status of low income families and individuals in our country.The Lifeline Assistance Program has the objective of discounting phone services for low income consumers to provide the security and opportunity that go along with communication. The Supplemental Nutrition Assistance Program, or better known as food stamps, provides a discounted price on food for those who qualify. Unemployment benefits provide those who are laid off or are struggling to find a job some sort of income until they are able to get another job and begin to provide again. Lastly we look to Medicaid and how it is a government program for low income individuals to provide sufficient health care.

Economic prosperity comes from the individual. The stability of our economy is dependent on a strong, educated, healthy workforce and financial difficulties can cause instability with the personal foundation of individual participants. This instability in the personal foundations of individuals, if left unchecked, can erode the foundation of our entire national economy. Individual economies make up local economies which make up regional economies which make up our national economy. Weakness in the base means weakness in the whole.

The need for these programs speaks for itself in all of the benefits and necessities they provide for those who are unable to afford them. The Supplemental Nutrition Assistance Program is the best example of this because it aids in providing the inherent need for food. Established in 1939, it now offers millions of eligible people across the United States a hunger safety net. It is also very successful at targeting families across the country and without this program millions of adults
and children would go hungry.

The demand for employees and the status of the United States economy has a profound effect on the unemployment rate. In 2008 we went through the worst recession since the Great Depression and unemployment reached all-time highs. In times like these we rely on programs like the Unemployment Benefits Program to make sure those affected are still able to receive some level of income in order to continue purchasing goods and services for their families and themselves. This also translates to local economic success by increasing the circulation of money which eventually builds up to national economic success.

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Maxwell Boyum 25827 475th Ave Renner, SD 57055 605-332-6959 The Lifeline Assistance Program works hand in hand with the Unemployment Benefits Program by giving individuals in need with means to communicate. It is difficult if not impossible to find or keep employment without access to telephone communications. Also, access to a telephone offers stability and safety for individuals and especially families and children.


Finally Medicaid gives those who may not have health insurance or a sufficient health plan a fallback. It assists in paying medical bills which can get expensive for a possibly life changing event that they couldn’t have prepared for.

Increasing the effectiveness of these programs comes from an increase in the regulation of distribution of the money and resources. The economics behind these programs are very simple. Once we give these individuals enough money to rebuild their own economic situation will pay off not only for them but also the federal government. Another possible solution could come from a new stipulation that the individual has to pay back some if not all of the money the federal government provides. Similar to a loan there can be monthly payments with little or no interest rates, making it a manageable amount to repay. This puts a little money back into the pocket of the federal government for future programs and also motivates
individuals to work their way back up economically and hopefully get off of these programs. At the core these programs aren’t designed to be a sufficient source of income so tighter regulation and new legislation can make sure that these people are given the necessary funds during the times of their financial troubles but also making sure they striving to get off these programs. This makes governmental aid programs also a motivational concept because one cannot live on governmental aid alone so the goal is to be on these programs for as little time as possible. The investment and concentration on these programs have benefits that far outreach the costs or disadvantages.

The status of the United States economy is defined by the strength of its middle class and when we have a thriving middle class we see economic prosperity. Economic trouble seems inevitable and when those times do come around it is comforting to know that the government is there to assist but also motivates the individual to work their way back up the ladder to the status from which they came. That is why governmental assistance programs are a vital part of the United States economy and the overall well-being of the people that make it the prosperous and successful economy it can be.