ECONOMIC JUSTICE FOR PEOPLE WITH DISABILITIES DURING COVID-19 AND BEYOND JUNE 16, 2020 >> KAITLIN SHETLER: Good afternoon everyone, thank you so much for joining our webinar today. I am Kaitlin Shetler with the Center on Victimization and Safety at the Vera Institute of Justice. I would like to welcome everyone to today's webinar. We are so pleased to bring you this as part of our 2020 end abuse of people with disabilities webinar series. We have a few quick logistical items to go over before we begin. Today we have American Sign Language interpretation, Spanish-language interpretation, and closed captioning. If you would like to turn the captioning on please go to the closed captioning symbol at the bottom of your screen and select the arrow to the right of that icon. You can either select show subtitles or view full transcript and once you do you will see the words that I'm speaking appearing below my video or to the right of your zoom window. 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We plan to have time after the presentation for questions and comments. If you don't want to lose a question or a comment during the presentation, feel free to go ahead and enter it in the Q&A pod and we will hold onto your questions until the end. Please do not put questions in the chat pod because we will not be able to see them. We will be recording today's webinar. The webinar recording in the materials will be posted on the end abuse of people with disabilities website within two weeks. A record of attendance and a PDF of the PowerPoint will be available for download via a link in the chat pod at the beginning and end of the webinar. Please click on the link in the chat to download the PowerPoint PDF and record of attendance. So our presenters today are Renee Lopez and Ashley Brompton. Renee is a 58-year-old woman with a physical disability who was born and raised in Austin, Texas. She has lived there her entire life. She graduated from the University of Texas in 1984 and in 1986 with a BA and a Masters of education respectively. She worked for the state of Texas for 30 years and is now retired. She has a long history of advocating for the rights of people with disabilities. Since 1982 when a student at the University of Texas. As a student with a lifelong physical disability she joined other students with disabilities for campus accessibility. She continues to advocate to this day. She has been on the advisory board for safe disability services since 2010. She has attended conferences on behalf of safe as a workshop presenter teaching and informing conference attendees on issues on violence and abuse against persons with disabilities, and she is also a member of a core group of a coalition put together by the Vera Institute of Justice on ending violence against people with disabilities. Ashley Brompton joined the center on victimization and safety as a program associate in November 2016. At Vera, actually provides technical assistance to victim service providers and disability service providers that are striving to improve services to survivors of domestic and/or sexual violence who have disabilities and Deaf survivors. She also coordinates the center's national outreach including the end abuse of people with disabilities webinar series and a monthly newsletter. Additionally she provides expertise and support for our no go coalition to end violence against people with disabilities and a project focused on creating resources for first responders, victim service providers, attorneys, forensic interviews, and others on addressing the needs of victims with disabilities. Prior to joining the Vera Institute of Justice Ashley was a criminal justice fellow at the ARC national center of disability where she advocated on behalf of individuals with intellectual and/or developmental disabilities who were involved with the criminal justice system as victims of crime or suspects or offenders. Ashley has a jurist doctorate from Wake Forest university school of law and a bachelor degree in political science from the Florida Gulf Coast university. Thank you Renee and Ashley, and I will turn it over to you, Ashley. >> ASHLEY BROMPTON: Thank you so much, Kaitlin. And thank you all for joining us today. Renee and I are both really excited to be talking about this, to be really exploring some of these issues. They come up a lot in conversation when we are talking about people with disabilities, we talk about SSI which is supplemental security insurance, only talk about Medicaid or we talk about other issues, but we don't really talk about it through the lens of what this means economically for people, and how this creates barriers for folks. And so it is nice to be able to have an opportunity to have that conversation. And we know that people with disabilities, especially Black, indigenous, People of Color with disabilities are disproportionately impacted by poverty because of intentional policy decisions, and so our goals and objectives for today are to explore some of the barriers, the economic barriers that survivors with disabilities face, and to understand the impact of those barriers. What does it actually mean when they face these barriers, what other consequences. And then think about discussing and evaluating solutions to overcoming these barriers to better establish economic equity, and we will talk about a variety of issues today that come up throughout our work around advocacy for people with disabilities and survivors with disabilities, and ways in which we can better serve them. We are going to start with the premise that survivors with disabilities are more likely to experience poverty and economic insecurity. And we wanted to start with some statistics that we thought really kind of drive this point home. The national Council on disability did a report a while back on economics for people with disabilities, specifically. And that people with disabilities make up approximately 12 percent of the US working age population. I think this statistic is a little bit older now so I would say it is probably higher than 12 percent, I think this report was from a few years ago. But 12 percent of the US working age population, however they account for more than half of those who are living in long-term poverty. So despite the fact that they do account for a portion of the working population, they still account for a huge proportion of people in the United States living in long-term poverty. And the reasons for that are what we are going to discuss today. Part of that is that we know that only 32 percent of working age people with disabilities are employed, compared to 73 percent of working age people without disabilities. So that discrepancy, there is a huge employment discrepancy there. We also know that when this report was created approximately 228,000 people or so with intellectual and developmental disabilities specifically worked for subminimum wage. And we are going to talk more about subminimum wage, but it is what it sounds like. These are people who are allowed by federal labor law to work for less than the federal minimum wage because of a particular provision in the fair labor act. We will talk a little bit more about that, but there is a huge group of people who are working who have disabilities who aren't even making minimum wage, you might be making cents per hour or a couple of dollars per hour. We also know that 60 percent of domestic violence survivors reported losing their job as a direct consequence of the abuse. There are a lot of reasons for this. Perhaps the abuser was going to the workplace and harassing them at their workplace, and of their employer found it disruptive to the work environment. Perhaps they were unable to come into work because they were experiencing abuse or violence and needed to address that, or they were dealing with that. We also know that 99 percent of domestic violence survivors have experienced financial abuse. It is very common in the cycle of power and control to use financial abuse as the one weapon, one way to exert control over the survivor. And this might mean controlling access to bank accounts or taking the income of the person and not letting them have any disposable income or access to disposable income. It might look like giving people -- taking away people's belongings or only providing a certain standard of living that maybe is subpar. So there is a variety of ways that could play out but it is very common to see financial abuse when we are talking about particularly domestic violence. We also know that almost 40 percent of African-Americans with disabilities live in poverty. So almost 40 percent. That is a huge number of people. We also know that only 24 percent of non-Hispanic whites, 29 percent of Latinos, and 19 percent of Asians with disabilities live in poverty. So you can see that even amongst people with disabilities there are great disparities in poverty levels for people based upon their race. And lastly we know that women living in poverty are nearly twice as likely to experience domestic violence. And People of Color are more likely to live in poverty. And so all of these statistics are compounded together mean that particularly people with disabilities and particularly People of Color with disabilities are experiencing high rates of victimization, they are experiencing forced poverty that continues over periods of time, and they are experiencing underemployment or unemployment. So what is the impact of economic insecurity? What does this mean for the person? It can mean a few different things. First is it can affect physical health. A while back, less so today but a while back there were huge exposes often about how housing projects reusing lead-based paint and it was making an entire generation of children who lived in housing projects sick. That's an example of a physical effect. Other physical effects might be because of access to health care or lack of access to health care which we will talk about. It could also be because of a lack of access to food, food insecurity. Increased homelessness. All of these things can have physical effects on a person. They can also have mental health effects. So there is an elevated stress level in communities experiencing greater poverty. Stress can lead to anxiety, it can lead to depression, and all of these things are interrelated to poverty and studies have shown that poverty really perpetuates some of these mental health issues even more. We also know that poverty is obviously connected to homelessness and the need to provide stable housing, and not having stable housing can have a lot of effects on a person's education, on a person's physical and mental health, on there access to health care, on there access to services. We also know that poverty leads to food insecurity, and a lot of impoverished neighborhoods deal with food deserts where they don't have access to healthy food or non-processed food in the same way that wealthier neighborhoods do. People who were living in poverty or have economic insecurity also might face a lack of health care, and this is a big issue for survivors with disabilities particularly because they might not have access to life-sustaining medication. They might have less access to quality doctors. For example, if they are on Medicaid, for example, the doctors that take Medicaid these days, because of lower reimbursement rates, are much more limited and often times not of the same quality as those who take private insurance or even Medicare. And so sometimes people with disabilities who are living in poverty experience a lack of ability to even get health care or perhaps they have an emergency but they don't want to go to the emergency room because they cannot afford the bill that will come from the emergency room, or they don't want to go to the doctor to get medication they might need because of costs associated with it. This can have really severe long-term physical and mental health effects. And it can cause lasting damage when people are not able to access the health care they need. We also know that people who are facing economic insecurity are also at an increased risk of victimization. The Bureau of Justice statistics which is the organization within the Department of Justice who tracks a lot of these trends and does some data mining around this, they said that from 2008 to 2012, a little bit of an older statistic but still relevant, persons who lived in households below the federal poverty level had more than double the rate of violent victimization. So they were much more likely to experience violent victimization. And that this time the federal poverty level was I believe $48,000 for a family of four per year. So all of these things create lasting long-term impacts on people with disabilities. Physical health can decline, symptoms can increase, issues that people dealt with maybe if they were not in poverty can be exacerbated because of the lack of economic security. They might face homelessness or be unable to eat certain foods or have access to healthier food. Lack of access to health care and increased victimization. We are going to take a quick pause right now to switch interpreters. It looks like we are already so I will keep moving forward, thank you so much. So now that we have heard a little bit about the impact, we wanted to talk about the barriers. What are survivors with disabilities really facing and what does this mean, what do these barriers really mean for folks out there living in the real world. And some of the barriers we are going to talk about today are listed here. The first is we mentioned a little bit about supplemental security insurance. Renee is going to talk a little bit more about SSI as we will call it in just a minute. But SSI is a federally funded program for people with disabilities. It is not what we think of when we think of, quote unquote, disability from the federal government. The federal government has two disability programs. The first of which is Social Security disability which is SSDI, and this is what we pay into for those of us who work for organizations that get taxes taken out, those taxes go partially towards paying for disability insurance were we ever to become disabled. We would be able to apply and receive the money that we have paid in as disability. People who don't have work histories, whether that is because they were disabled from a young age and were unable to work, or because they don't have what the federal government considers to be sufficient work history, or for many other reasons don't qualify for SSDI. So we have this other program that is funded by federal taxes that we all pay into. It is what would typically be referred to as a welfare program, meaning that it is not something you pay into and you get back, it's a general fund, and this is supplemental security insurance which is what we are really going to talk about today. But it's important to know the difference between the two because when we think about policy and we think about the ways in which barriers are created for survivors with disabilities, it's important to recognize that the way that federal policy addresses those two programs looks very different. And people who have -- who are getting SSDI, the one you pay into from your taxes, are treated very differently. And as we go through some more about supplemental security insurance we will talk about some of those differences, but really there are many fewer restrictions. And there are many fewer hoops you have to jump through to qualify. And part of that is an intentional policy decision that they made when they created these two programs. That people who did not pay into it, that did not have the financial resources to pay into the program over the years would have sort of a lesser standard of what is given to them, and also have a higher burden of proof in showing what they need. They also receive less money per month than most people who are on SSDI. And Renee is going to go through that in just a minute and talk about some other considerations there including income limits and resource limits and the marriage penalty. We are also going to talk about subminimum wage. We are going to talk about unemployment and underemployment for people with disabilities. Financial abuse, and the increased expenses that people with disabilities face that we don't necessarily account for in our policymaking decisions. We are going to start going through these by talking about SSI and Medicaid and I will turn it over to Renee to start off with that part of the discussion. >> RENEE LOPEZ: Thank you Ashley. I'm going to talk about the SSI on the Medicaid income limits, but I also want to let you know that I will speak from a very personal level. Because I have lived through this and although I don't now, I did at one time and I would like to just add some of my own personal experience. We will start with supplemental security insurance, SSI, which is a needs-based federal program that helps people with disabilities who have little or no income because of a disability and do not have sufficient work history for social security disability insurance. It provides cash to meet basic needs for food clothing and shelter. Eligibility for Medicaid for people with disabilities is connected to SSI in many states. It can provide medical insurance, personal care assistance, and more. Ashley, the next one. Okay, right now the current income limits are $783 per month for an individual and $1175 per month for a couple right now in 2020. So what counts as income? Well, any asset or resource limit. Countable resources cannot be worth more than $2000 for an individual or $3000 for a couple. One of the things I want to talk about his first of all the income limits. I don't know about where you live but I know where I live here in Austin, Texas, if you want to get an apartment you almost have to go to section 8 housing because the apartment, to get an apartment here in Austin is at least over $1000 a month. Even people with jobs can't even afford an apartment. We also want to be careful with what counts as income. A lot of people don't know but you can get gifts from people, if they give you money or they are trying to help you, like my parents tried to help me at one time by giving me $100 a month, but that is considered income and it would be held against me. So there are many times when you can't receive anything because you are afraid of that and being held against you. >> ASHLEY BROMPTON: Renee, can I jump in for one second, this is Ashley. I did want to add some stuff around the income and the resources. Income is what you are allowed to make per month. And the limits are set based upon what the monthly SSI payment is. So right now this year the monthly SSI payment is a standard, it is $783 for one person. It is $1175 if both partners in a couple are on SSI. So what does that mean if you get $100, like in Renee's circumstances? If you get $100 and it becomes what SSI considers income meaning it becomes known to them they will subtract that $100 from your monthly payment from them. So they will decrease dollar for dollar the amount of money you received based upon any additional income that you have. It's also important to know that for example if you get free housing, if you live with family members, for example, this is really common, they can subtract a certain amount of money in what we call in-kind income which means because you were living there for free they can say that might cost $300 a month if they were going to pay rent, so we are going to subtract $300 a month from their payment. So just because you have found a free housing situation does not mean it will not count in some way as income. The other thing to think about is if you live with your parents, sometimes there income can count as what is called deemed income which means because you are a dependent of them there income matters. This happens a lot with kids who are on SSI, so children who need SSI in order to get connected to Medicaid may not qualify if the parents make over a certain amount of money. And then for resources or assets, it's important to note that a homestead to the house that you live in, that is the house that you own that you live in is not necessarily counted as an asset. But any additional property of any kind that you own might be considered an asset. Savings could be considered an asset unless you have the savings in a particular type of savings account that they created a few years ago for people with disabilities. And stocks, any sort of resources that you have, money, cars in many cases, and then the other thing is retroactive SSI. In many cases when you apply for SSI, it's a process. It could take upwards of a couple of years to actually get approved for SSI if you have to go through an appeals process. When you go through those appeals processes typically what happens is if you win your appeal you will get a lump sum of back pay, retroactive SSI. What you would have gotten all of those months when your appeal was pending. So what does that mean? You get this lump sum of money, but you are only allowed to have $2000 in assets. So what happens when you get a year's worth of back pay, you have nine months to spend that back pay. If you don't spend it in nine months, it becomes considered a resource and it can be counted against you. So they are encouraging people not to save money through this process. And they are encouraging people to spend the money that they get instead of saving for a safety net. Again, there are specific savings accounts, they are called ABLE accounts, and that is an acronym but I don't know what it stands for at the moment but these are accounts that are specifically designed for people with disabilities where they can save money and it is not counted as an asset, but you have to know that they exist. You have to know that you need them. And thank you so much to Cynthia in the chat to posted its achieving a better life experience, that is what the ABLE acronym stands for, thank you so much. You have to know that they exist, you have to know how to set one up, you have to know to reach out to. So more hoops that people have to jump through. >> RENEE LOPEZ: And it also forces you to live in poverty which is what we are trying to say. This is Renee by the way. If your current income is $783 as an individual and then you try to save some money but you still have to pay for groceries and you still have to pay for transportation and you still have to pay for your monthly rent, it really does not leave much for you to say. So even though getting that ABLE account was a great stride, I really don't know that many people who are able to save too much just because of the limitation on the income limit. Okay, the marriage penalty, the SSI marriage penalty. I know a lot about this one. For a single person on SSI benefit, you get $783. If you are a married couple on SSI you get $1175. So if you add the 783×2 it comes out to a lot less than what you get is a married couple. I think you lose at least $200, I haven't done the math and I apologize for that. So a single person, the asset limit is $2000, but if you are a married couple the asset limit is $3000. One of the things I wanted to bring up, first of all I think it was back in the 1990s, I was with a person that I considered to be my husband but because we were both on SSI, we knew we could not get married because we would lose our benefits. And we would also lose -- you not only lose your benefits, you could also lose your attendant care because that too is considered according to your income and if you are married to someone with a disability and they are requiring attendant care as well then you cannot afford it, and he was disabled, I was disabled, we were both on SSI and even though they say that a couple combined the reason they lower the amount is if you live together then it should not cost as much as living separately because you are sharing the same home, you are sharing the same food source, you are sharing everything so it should be less. So like it says here the theory is that a couple can live on less income than they would as individuals. And I can tell you, as many of you probably know, that is not true because you are also paying for two for everything. Double the groceries and double the electric bill, and so I don't know where they got the understanding, the idea of two people receiving SSI get married, they will receive 25 percent less in benefits than they did as two individuals. The third bullet down, in addition even if a couple doesn't get legally married they can be considered to be holding out if they are presenting themselves as a couple. I remember that when I was with my ex we had to pretend we were just friends and we could not let people know that we were an actual couple, we told people we were roommates and we did this because both of us being disabled we were terrified of people finding out that we were a couple and then reporting us to Social Security and what would we do then. And that is where we go to the next bullet which is two any people with disabilities must choose between getting married or continuing to receive the benefits they need to live. So pretty much you are left with having to pick two out of three, you can either have marriage, economic security, and comprehensive health coverage, you get either one of those and most of us cannot live without it. We literally need someone to come in and get us out of bed in the morning just to survive. And that is something you do not want to jeopardize no matter what is happening. So we did live together, he and I, but we did not call ourselves a couple. And yes, we were holding out, and so it was all we could do to keep surviving. And then the fourth bullet, the penalty could impact a survivor with a disability even after leaving their partner. The other thing I wanted to say about this marriage penalty is I looked up to find out when did this begin, why are these rules so stringent. I found by doing some research that it kind of started back in the 1920s back in the eugenics movement were many people with disabilities were being forcibly sterilized. The point being to get rid of anything in the human gene pool that were considered undesirable. So in 1927, the Supreme Court decision was never overturned, but eventually it stopped and most people think this was just wrong of course but unfortunately a lot of our -- a lot of the marriage penalty stems from that old antiquated idea that I am hoping we could change soon. So I believe we are going to pause for a minute because we need to change interpreters. Okay, we are back. The next slide please. >> ASHLEY BROMPTON: Renee, this is Ashley, can I just add something? The penalty, when we talk about the penalty impacting the survivor with a disability even after leaving their partner, I wanted to put a little bit of a finer pin in that point which is that even if they -- if the survivor leaves the abuser they are married to and creates their own household, has their own home away from their abuser, if they are still married to their abuser, the abuser's income might still be considered and deemed income which means that they still might not qualify for SSI despite the fact that their income might be very low or nonexistent. The other thing I wanted to mention before we moved forward is there is a lot of talk about how did they come to this figure of $783, it seems like such a random number. They started with some bizarre calculations when SSI first started around the cost of living, around average incomes, and you have to remember that was many decades ago. Since that time when they started with those initial calculations there has not really been a huge increase. There is usually a yearly cost-of-living increase, but it's a couple of dollars, and so what you see is every year or so they will tack on a couple of dollars to what was already the pre-existing amount and that's why it goes up in such a small increments. During the recession there were years when it went up by virtually nothing. Some years it goes up by a couple of dollars a month. So I just wanted to point that out. There is also a lot of questions coming in about ABLE accounts. I will say that I am not an expert in ABLE accounts and I don't think Renee is either, but someone in the chat put in the website for the national ABLE account resource center, so I would suggest if you are interested in learning more about that to go to that website. I think they also provide technical assistance around ABLE accounts as well. So hopefully that will be helpful to those of you were looking for more information there. And then there is one other question I wanted to address just because it was on this topic which is what about people who share an apartment, are they considered a couple or is each counted individually? That depends. You can be a roommate, you can have a roommate and not be a couple. Lots of people have platonic roommates. That would not be considered to be a couple. However if you hold yourself out to be married in some way, even if you are not legally married but you say you are married or you call someone your husband or wife or partner and tell people that end do what is called holding out, which is basically telling people that you are in this partnership or this marriage, then you would be counted as a couple. So that is what it is dependent on, not whether you live or someone, and as Renee said she lived with someone is a roommate for many years because that is what was required. Roommates don't necessarily count as a couple. >> RENEE LOPEZ: Right, exactly. And one of the things I wanted to add was I wanted to add that personally in my opinion it was rather humiliating to be in love with someone MBNA relationship and not be able to show that you are together. You now, it's -- that became a real issue that I think may have ended our relationship many years ago, and because it feels like it is shameful and you have to hide and not let people know. I mean, it's not that nobody knew, but people outside of your family and friends, you certainly could not go out and claim to be a couple or to be married because you could be, quote, holding out. And if they found out we would be in big trouble. We would have to pay back the money or the SSI would stop. And I also wanted to add that when we mentioned the amount of money that someone gets now which I think was $753 or something, that is not much more than what I was getting back in the 1980s. In the 1980s I was getting 500 and something dollars a month on SSI, and you could see that that was almost want, 20 or 30 years ago, I'm not good at math, but it has only gone up by $200. And that is really a shame because a person cannot live on that kind of money. Especially with the cost of living going up. Okay, subminimum-wage. Section 14 C of the fair labor standards act allows employers certified by the United States Department of Labor to compensate persons with disabilities for work at a rate less than the minimum-wage. Few people who work in sheltered workshops and other subminimum- wage jobs for people with disabilities transition to market paying employment. This is not necessarily true and there was a lot of controversy about this subminimum-wage. Initially it started because they wanted to pay people with disabilities in particular people with intellectual disabilities to be able to have a job and a place to go and to do something at an amount of money that would not interfere with their SSI. But lately, currently I guess there is a move to change that because it is sort of seen as exploiting people with disabilities. Some rates go as low as two dollars an hour. Some people are against that and saying they should be paid at least minimum-wage. And to make sure they don't lose their disability, but as you can tell, if you are only allowed to make a certain amount of money which is really low, then you can see how raising the amount of money they are making could be detrimental. So right now in our disability community we are not sure which way to go. I know that it can be a place for people to go and do some work and to be contributing to society, but it also gives certain companies a way of exploiting because if you only have to pay two dollars an hour to get something done, you will make a lot of money off of that. And so that right now is something that is certainly taking place, wondering which way we should go. A lot of people that have individuals with disabilities working in the sheltered workshops don't want to give them up because then what will happen to that person? They won't have a place to go, they will be at home, and so many of them have sort of become a way of, quote, babysitting people with disabilities while they are doing subminimum-wage work. >> ASHLEY BROMPTON: I wanted to add something here, I've seen a lot of these sheltered workshops which were designed to give people something to do which would not interfere with their benefits, I have seen them paying as low as $0.50 an hour in my experience, I think it varies depending on the state and the industry. A lot of times these are jobs like putting together doodads, little things or -- >> RENEE LOPEZ: One of them is making pens for the state. >> ASHLEY BROMPTON: So it is jobs like that. I think the original goal, the original goal when this exception to minimum wage was passed was that we would train people and in some way, shape, or form we were transition folks to standard pay employment. That was sort of the goal and that is still the articulated goal today, that we will transition folks to full employment or two standard pay employment and we will teach them skills that they can then transfer. Oftentimes this does not happen the way it is designed. I appreciate Jan's comment, some states have passed state laws that ban this practice. Again, the federal government sets the floor for rights, not the ceiling, so you can have state laws that are more protective of people's rights than the federal government, but the federal government and be fair labor standards act, the federal law that governs the minimum wage allows for this practice still. I will say a lot of advocacy organizations, as Renee said, they struggle with this and this is an area that is really contentious for them. A lot of them are looking towards how can we reform the program to truly make it an opportunity for people to transition to standard employment. I can we make it so it's not just people working the same sub minimum wage job for 30 or 40 years but instead it really becomes training for them to transition to full employment. Is a lot of work going into what would make more sense given the complications that Renee shared. >> RENEE LOPEZ: And Ashley, one of the things I wanted to mention is there are two really good documentaries about this if you want to know more about it. One of them is called bottom dollars which exposes the exploitation of nearly 250,000 people with disabilities in the US that are being paid less than two dollars. Another one is called rooted in rights. I have seen both of them and they are both excellent, I will put them in the chat and if anyone is interested in seeing that, seeing either one of those can help you learn a lot about that. >> ASHLEY BROMPTON: The PowerPoint just skip ahead, sorry about that. Technology. So next we want to transition to talking about unemployment and underemployment. We have talked a little bit about this already, but the unemployment rate for people with disabilities in 2019 was 7.3 percent, which was much higher than the unemployment rate for people without disabilities. And there is a number of reasons for this. Just like a lot of the issues that we have with SSI, a lot of the issues we have with sub minimum wage, employment for people with disabilities still is really fraught with outdated and inaccurate ideas about people with disabilities. They still struggle to be hired and they struggle to stay in their jobs for a variety of reasons. A lot of people still deal with perpetuated myths about people with disabilities not being able to do the job they are hired for or two needing so much assistance that it becomes impossible. And there are all of these ideas that the person will be too difficult to work with, they aren't going to, quote unquote, get their job. These are all not necessarily true and oftentimes they are not true but they are these continuing stereotypes about people with disabilities that make them less likely to be hired, particularly for full-time employment. They also are less likely to stay in their jobs and this is partially because of the fact that sometimes they don't have the accommodations they need to do their jobs well, whether they are unable to ask for them or the ask for them and they are denied, it can be sometimes really difficult to get their needs met in the way that makes sense for them to be able to do their job. People with disabilities are perfectly able to work in a wide variety of employment situations. They need to be allowed in the door and sometimes they are not, they are blocked from even being hired. The other thing to think about when we talk about survivors with disabilities is that sexual violence, domestic assault, stalking, and other types of victimization can also have a negative impact on employment. We saw that statistic early on about the employment impact of experiencing some kind of interpersonal violence. And we know that domestic violence can oftentimes impact the workplace, it can be brought into the workplace in a variety of ways. A lot of people who were experience particularly domestic violence and stalking but also sexual violence have it come into the workplace and it can have a negative impact on their employment. And again this is a decision that employers need to make to change policies around. To say that we are going to have a policy around providing accommodations, have a policy around ensuring that we don't take action against an employee because of violence that they are experiencing in their lives. And we will talk more about that in the solutions section. But it's important to recognize that unemployment and underemployment, a lot of times what we will see happen is people with disabilities will get part-time job so they will work for a couple of hours a week here and there. And that is considered something, but not necessarily ideal. I am going to pause for just one moment for an interpreter switch. Okay, great. >> RENEE LOPEZ: Ashley, I wanted to add something. When I was looking for work after I got my Masters degree I thought I was armed with a good -- was something that would show I had intelligence and will and all of those things that would help me get a job. And I remember going to jobs I went to one job or I was told Honey, why don't you just go back home and let your parents take care of you, there is no reason for you to have to work, you can get a check. And I remember being really hurt and upset about that because that is not what I wanted to do. I had lived on SSI and section 8 housing and really that is a very difficult life, as you can imagine. And it was not until 1990, I got hired before 1990, with a lot of luck and perseverance, but when the Americans With Disabilities Act came out protecting us, it was civil rights for people with disabilities, you could never say that to someone nowadays. But the truth is that trying to hold down a job can be very difficult because you have to have an attendant that can come in early, I had to be at work by 8 o'clock so I had to have an attendant come in to get me ready on time and hopefully they did not need to take off and if they did who would be my backup and how would I get to work and I took the Metro special transit system to and from work and I hoped they would not be late so I would not be late, and how I managed to work 30 years I don't know, it was a lot of pushing and pulling I can tell you that. But those other things you have to consider when you do take on a job. I managed to make it through but there were a lot of people who could not get to work because the attendant did not show up with a missed too much or they could not find a ride and it escalates to where a lot of people cannot work a full-time job. So they work a few days a week or have a part-time, and so that is what goes with trying to work full-time. There is more than just getting a job, it is people's attitudes, it is attendant care and when I got my job I stopped getting Medicaid that paid for my attendant care so I had to pay out of pocket, and that was taking up more of my check then when I lived. So I started thinking well, if I have to pay so much for attendant care just so I can work but I am only able to spend have that money, is it really worth working? So anyway I won't go into it more than that, but that is the consideration you have to think about when you consider going to work full time. >> ASHLEY BROMPTON: Absolutely, thank you Renee, so much. The other thing to be thinking about is the fact that most survivors in general experience financial abuse as part of the course of power and control exercised against them. Financial abuse is very common particularly in domestic violence and other types of interpersonal violence. When a survivor has a disability, they are often that even more of a risk for financial abuse because of additional considerations. They are often forced to trust other people with their finances. So representative payees, if a person is on SSI or SSDI and they are considered to have a disability that affects their ability to manage their finances, so typically this would be an intellectual or developmental disability or a mental health disability, if the Social Security Administration determines that they are not able to handle their own finances they will ask that someone be appointed a representative payee. This person is not a guardian, they can't make life decisions for the person but they can have control over the person's finances. I am a representative payee for a person in my life and I have complete control over her finances in the sense that she is not even allowed by the Social Security Administration to have a debit card for her account, for her own bank account. So you have a lot of power as a representative payee. You are required to manage a person's bills, so they are trusting you to pay their bills on time. They are trusting you to make sure that if you are paying for insurance premiums of any kind, those are getting paid, and that doctors and other medical care, attendant care, etc., is getting paid. And also that you are managing their savings, that you were not going out and spending their money. And representative payees can be a variety of people. They can be family members, they can be partners or they can be professionals. So there are disability organizations that are professional representative payees that provide representative payee services to the people they serve. They can be a wide variety of people, and once you are a person's representative payee have basically complete access and control over their finances. And in the eyes of the Social Security Administration, you are the person that they are paying every month. And so what you have to do as a representative payee to make sure that you were not stealing from someone to make sure that you are not mishandling someone's money. Once a year you have to fill out accounting paperwork that basically asks you how much you spent on the person's rent, how much you spent on their other expenses, how much they saved for the year, and you have to sign it under penalty of perjury. That's really it. If they are suspicious of something they might ask you to do an interview, they might want further interaction, but there is not a ton of oversight for representative payees. And these are people who have access to everything that a person might own. The other way in which survivors with disabilities are at even more risk for financial abuse is they might have guardians in whichever state they are in. >> RENEE LOPEZ: Ashley, I want to say I know a lot of people who experience abuse because of this thing right here. It is easy to coerce someone into doing something or do any kind of abuse towards them because you can always threaten to not pay the bills are not paid the attendant are not give them any money and some people keep money for themselves as well. So I know for a fact that this causes a lot of abuse. >> ASHLEY BROMPTON: Absolutely. And the other is guardians. Guardians have much more control than representative payees. They have the ability to control more than just the income the person is receiving from the Social Security Administration. As I mentioned the Social Security Administration appoints a representative payee to manage finances from the Social Security Administration, your SSI or SSDI checks. Guardians have much more extensive powers than that depending on the type of guardian or conservatorship that exists. That might have power over decision-making involving any type of finances, that might have power over medical decision-making, that might have power over things like housing decisions. And other types of decisions depending on the type of guardianship. So again this is an opportunity where if someone wanted to, there would be a way to really just take advantage of these positions that people are in. And so we really need to be thinking about that, we need to be cognizant of that, those of us that work in direct services should be -- if we know someone on SSI or SSDI, we should be asking if they have a representative payee and being a check on that. And people have guardians being a check on that as well. Just to ensure that we are keeping that on our radar. So the other thing we wanted to talk about is increased expenses. Survivors with disabilities face additional costs compared to people without disabilities. They might have increased transportation costs because they might need private transportation or retrofitted vehicles of some kind which cost a lot more. They might need, like Renee talked about, personal care attendant services are direct support services. Those cost money and if you don't qualify for Medicaid, Medicaid pays for portions of that sometimes, in some states through different programs, but if you don't qualify for Medicaid oftentimes you are paying for that out of pocket. This also things like medical supplies and in addition medical and mental health costs associated with having a disability. So despite the fact that we talked about all of the ways in which people with disabilities receive less income, there is still -- they still have increased expenses. So solutions for change. We identified a lot of barriers today. And we wanted to pivot to think about what are some solutions, and I know we only have about 25 minutes left, but I wanted to maybe for a minute or two ask you to type in the chat solutions that you can think of. Whether it's a concrete solution that you can implement or think about or whether it is a big policy change we could accomplish. What are some solutions that you might think could work? And you can type it in the chat. If you would have anything that you would like to add. We will go over some that Renee and I thought about but I would love to hear from you all, and if you have any feel free to put them in the chat. While we wait to that there are more questions relating to SSI that I thought we could answer. One of them is our representative payees paid from client salary or other sources? It depends. If you are a representative payee like if you are a, quote unquote, professional representative payee like you are an organization that provides representative payee services to your clients as part of the suite of services you offer, you will get paid typically from a small portion of their benefit or from the Social Security Administration directly or from your state depending on the program. If you are a family member or friend you don't typically get paid for a representative payee role. What exactly makes someone eligible for SSI? There is a lot. You have to have a qualifying disability, you have to be under the income requirements, there's a lot that goes into that that will get really complicated and it depends on the particular case. A lot of times people have to appeal. I highly recommend finding an attorney who is qualified in working on SSI cases for any issues involving decreases in benefits or denials, which I am seeing come up in the Q&A so I wanted to quickly address that. So solutions are coming in. Raise SSI, reduce restrictions, health care for all. Ensure transparency and oversight. Policy increases, changes to increased payment amounts. Remove the marriage penalty. Have resources available for those who need assistance. These are all great. Improve the amount of money for SSI. >> RENEE LOPEZ: Sorry, I wanted to add something. Many people are saying to increase the amount of money for assets and I agree with that, but I am with the advocacy groups that I work with here in Austin and we try so hard every single year for the last 10 or 15 years going to the capital and trying to get an increase not only in the amount of money SSI individuals get but also to increase the amount of money for attendant care because attendants are still getting minimum wage and nobody wants to work for minimum wage, I can tell you that. So there is less and less people available to do this kind of work, and when that happens and a person cannot live independently in the community, when that happens I have to go stay in a nursing home. So it's all kind of going backwards, but we are working really hard to do that. I want you to know that it is not something that is overlooked or nobody is doing anything. We do this every time the legislature is in session. I just wanted to bring that up. >> ASHLEY BROMPTON: Yes, there is constant advocacy efforts going on at the state level which Renee participates in in Texas. And also a lot of national work because SSI and SSDI are both federal legislation and amending them would really -- those two programs, amending them would largely come from the federal government so there was a lot of federal advocacy going on as well. The first solution we thought of is ensuring that we are engaging impacted people in the work. Ensuring that survivors with disabilities, especially survivors of color with disabilities who as we talked about are already the most impacted and the most likely to experience poverty and economic insecurity we need to make sure that they are involved in conversations about advocacy and reform. And not just involved in conversations with the advocates, but also involved in conversations directly with the people who can make change. Like Renee talked about how she goes out and advocates with the legislature. That is advocacy that people with disabilities can engage in to be a part of the actual process, not just behind the scenes. And that says a few things. It puts a personal perspective on statistics and policies. There is something that we talk about a lot which is winning the hearts and minds of people. You need to talk to them about how we make this work, what does it look like financially, but you also need to tell a compelling story. And empowering people to share their stories to the extent they feel comfortable can be really meaningful. Of course you want to make sure that is something they feel comfortable with, and only that they are sharing stories that they willingly want to share in a way they want to share them. But it can be very powerful if there are people that you know of who are willing to engage and have these conversations and share how it has impacted them. It is one thing to hear on paper that there is a marriage penalty, it's another thing to hear a story about people who could not get married because of the marriage penalty. So engaging people in the process, people with lived experiences are the experts on policies that affect them. As much as advocates want to do this work, and as much as advocates want to quote unquote be a voice for people who can't speak for themselves, people can speak for themselves. Sometimes they might need help doing that, they minded connections, but you can help connect them. You can help them come up with a way to tell their story, a way to engage with decision-makers that makes sense for them. But it's really, really important that they are meaningfully involved in the process from the beginning and that they are driving the agenda of what is happening. Because they are the ones that are experiencing the ramifications of changes or the ramifications of not changing things. They are the ones who have lived it and understand it more than advocates ever will. And so our first suggestion is when you are starting to think about these issues engage people with disabilities, engage survivors, start talking to them about what they are experiencing in your community. Start asking them if they wanted to make changes what would they look like. Start talking to them about options for starting to make change and how they can be involved. Sometimes our role as advocates is to facilitate people to make connections to be able to do the work. >> RENEE LOPEZ: And Ashley, I want to emphasize that especially People of Color, because you gave the statistic early on and it's just incredibly high that People of Color are experiencing more poverty than anybody else, and I want to emphasize that because I think it's very important for us to get that kind of feedback. >> ASHLEY BROMPTON: Absolutely, thank you so much for putting a pin on that as well. And then think about individual advocacy. A lot of times we are talking about high-level policy changes that need to be made. We are talking about changes to federal legislation or state legislation or state programs. I am going to pause for a quick moment to allow for our final interpreters which. Okay, I think we are good. So a lot of times it feels really impossible, especially for those of us who are advocates working on a local level in our community to even think about big policy change. So what can you do in your local community, individual advocacy? Learn more about these programs. Learn about SSDI and SSI. Make connections with the protection and advocacy agency in your state, make connections with other programs that have done this work like ADAPT or independent living centers in your community. They are going to have this really deep institutionalized knowledge about what this looks like and how to create change that you can start implementing. But really, learn about all of these options that people have. How do they get on disability? How can they qualify for Medicaid, how can they qualify for SNAP which is food assistance. What are the limitations of these programs, and particularly now unemployment. We hosted a listening session with some people with disabilities around COVID-19, and one of the things that one of the self advocates really felt strongly about was we need to talk about unemployment for people with disabilities right now more than ever. Because they are experiencing more unemployment now than ever before because they are the first to be let go from their jobs. They are the first to be asked not to come back. And so how can you connect people to unemployment resources, or if they are not employed to vocational rehabilitation and job training resources. Identifying all of those resources in your community and how to walk people through that process, and you are not going to be the expert. Maybe it is knowing some really good Social Security attorneys in your community, maybe it is knowing someone at Medicaid who can walk your clients through the process. There are many ways to start making these connections, but again knowing what you can do in your community. >> RENEE LOPEZ: Ashley, this is Renee, I want to add a couple of things. One thing about Covid is that many people are working from home and that leaves an opportunity for people with disabilities to say they can work because they are obviously -- there are more and more jobs that you can do from home. Those of us with ADAPT have noticed that and there really isn't a reason why a person can't be hired to do a job if people are able to work from home. So that is one thing that Covid has shown us. The other thing is that although it is not listed here, I think it is to keep carrying. I think many people get complacent or they start thinking that well, this person really could not work. And even though you can get them on all of these programs, you want to make sure that the person knows that that is not the end of it. It does not end with SNAP or other programs and those are good things and it's good to know about them, but people with disabilities and other survivors, with these programs you get stuck in it. It becomes too easy to fall into living in supportive housing and getting a check and knowing how hard it is to go to work. So it is better to have -- yes, let's get these things in place when you need them but also let's have some help in getting a job so we can get people off of these services that can keep people locked in poverty. >> ASHLEY BROMPTON: Absolutely, and this is Ashley, thank you Renee. So yes, really thinking about what in your community you can be doing and what you can be connecting people to. And then creating attitudinal change. Addressing ableism, racism, perceptions about survivors of domestic violence and that lead to discriminatory policies against them. Like Renee said in talking about the marriage penalty. The marriage penalty was created to keep people with disabilities from getting married and having children who might then have disabilities. That was the reason the marriage penalty was created. Those attitudes and policies, those attitudes are what impact policy, and until we really change those attitudes we aren't necessarily going to start changing policies. So really thinking about how we can create attitudinal change. And starting with education and training about intentional and unintentional impacts of policies. Talking about this is what Social Security administration has told us we are allowed to have his income and what we are not allowed to have his income, and can't you see how unfair this is. I think a lot of times people don't pay attention to these programs, and so bringing to light some of the issues with these policies and their foundations and ableism and racism and other discrimination is really helpful in thinking about how can we create change. And then of course policy advocacy. A lot of this can happen on the state level and the federal level. You know, supplemental security insurance reform, SSI reform is a big one, thinking about how can we change income and asset restrictions. The other big one is Medicaid expansion or Universal Health care. Ways in which we can ensure that people with disabilities are able to receive health care, and another area we know people are already advocating in is the subminimum wage and then increasing funding for supportive employment and vocational rehabilitation services. Again, these are areas in which you can start doing research, start reaching out to organizations who are doing this work. Renee and I can both connect you to organizations on state and federal levels who are doing this work already. And just start learning more about what the problems are and thinking through what solutions might look like. I think sometimes again the problems feel really big and so if we can make it more of a piece by piece strategy where we think can we fix this one issue, sometimes it's a little bit more palatable for folks. >> RENEE LOPEZ: And vote! >> ASHLEY BROMPTON: And vote. We would always recommend that is another policy advocacy solution. And with that I think we are opening up for questions. Renee, we have a ton of questions in our Q&A. The first, and I know this is something you have talked about, is a SNAP benefits and food benefits. And during COVID-19 not wanting to necessarily go out to buy groceries and not being able to get them delivered whether because of the increased cost or because SNAP doesn't always in every state cover delivery services. And so this person is elevating that issue and I don't know if you had anything you wanted to add? >> RENEE LOPEZ: I don't know about other states, but this is been a big problem because of Covid. When you want to order groceries there is an up charge and I don't know because I have not ordered but there is an up charge. If you are on SSI you barely have any money for food to begin with and the pantries are all closed, so trying to get food will become a major issue. And here in Austin, I don't know about other counties or other cities or states but the food pantry has combined her resources with the capital Metro Access bus because they are not transporting as many people, only those that have to go to the doctor, to deliver food to those who have disabilities and cannot get out of the house. So that has helped tremendously with people getting food. You just call in and tell them you need food, you have a disability, you give them your address and they show up and give you a box of food. That's one we have taken care of it here in Austin, I don't know but other places but they probably have something similar. >> ASHLEY BROMPTON: Yes, we have encourage people to look at mutual aid organizations. Folks who are crowdsourcing some of this, there are disability focused ones as well. Who have been able to help in some of these situations with getting food and other necessary items to folks who otherwise cannot get them. Another question came through, Renee, you mentioned People of Color experiencing poverty more than others. Renee was referring to a statistic that said that almost 40 percent of African-Americans with disabilities experience poverty. This is supposed to 24 percent of non-Hispanic whites, 29 percent of Latinos, and 19 percent of Asians. So this is again people with disabilities. It's not a great breakdown but it is one of the very few statistics that we have that breaks down by race how people with disabilities experience poverty, and that statistic is linked in the PowerPoint so you can go right to the source there if you have any interest in that. But there is a wide range of literature talking about the disproportionate impact that particularly Black communities have experiencing poverty. Let's see what other questions we have in here. We have one asking about statistics of [can't understand] communities. I wasn't able to find anything specific to Native American communities. I am hoping to be able to find something moving forward on that. I think because of Covid we are doing a lot more thinking about some of these things and hoping that some more resources will come out. It's really difficult to find resources in general on disability in Native American communities, but we are working to try to find some of those resources. I appreciate you lifting that up as a question and I hope people have resources for you soon. >> RENEE LOPEZ: I wanted to mention that somebody said -- well, it moved and now I lost it. Gosh, where did it go. There is a Social Security check adult abuse registry allowing somebody to be a person's payee. I don't think they do but I think that's a great idea. There should be some kind of a crosscheck before they turn the money over to somebody. I think that's a really good idea. I will take that to my advocacy groups and see if we cannot get that done. >> ASHLEY BROMPTON: Yes, this is Ashley, and in my experience when I was asked to be a representative payee they had me sign a piece of paper attesting that I had never -- that I had no criminal history under penalty of perjury. As far as I know there was no actual background check done of any kind and if it was, it was very broad. I know we are getting low on time but I wanted to see -- is a question in here, for victims with disabilities, does victim compensation take into consideration specific allowed expenses? This is something we have been advocating for, that victim compensation programs need to be more educated about some of the unique expenses that victims with disabilities might have, and fund some of those expenses the way they fund other expenses for victims of crime. It will depend on your state's victim compensation program what that looks like. Because those are state administered, so I can't give a blanket descriptor order of that. But in some places they will be more flexible with what those funds can be spent on an insulator less flexible. It also depends on if there is any additional regulations in that particular state. There is a question in here about a reason for a decrease in SSI benefits. Typically if you see a recalculation of benefits it is because they have miscalculated the in-kind or deemed income that a person has. For example, if they have determined that you are receiving free rent where you are living, your living with family for example and you have free rent, they might recalculate what that free rent is worth or what it should be worth and reassess what you would get monthly. Same thing for other types of income. That is typically why, and sometimes I just make mistakes in the initial calculation and they need to reassess. It depends, you would have to talk to the Social Security administration, whoever your particular person that you work with there is to find out exactly why. And with that we are out of time for today. If you have additional questions please let me know. This is the link to our materials. If you want a copy of the PowerPoint or you want a record of attendance, I know that Kaitlin just posted that in the chat as well so you can click on that link and it will take you to a folder with the materials. We do ask that you complete this brief survey for us. It will pop up when you close out zoom. That really helps us to know whether these webinars are meeting your needs and what we can do differently in the future. We appreciate all of you. I am going to put my email in the chat and that way if any other questions come up, feel free to reach out to me. And I can also connect you to Renee. And that way we can hopefully get all of your questions answered. We so appreciate you and you spending time with us today. Thank you so much.