Burton Blatt Institute, Syracuse University, NY 13244, USA.
Am J Community Psychol. 2010 Dec;46(3-4):376-85. doi: 10.1007/s10464-010-9355-4.
Adults with disabilities disproportionally experience poverty. We examine one novel strategy to promote economic well-being among adults with disabilities living in or near poverty, namely Individual Development Accounts (IDAs). IDAs are designed to help individuals save money and subsequently accumulate assets. Although adults with disabilities account for the majority of IDA participants, scant attention has been paid to their IDA saving performance. We describe the significance of accumulating assets, particularly as it relates to adults with disabilities. We then map the nature of IDA programs and analyze barriers to participation in IDAs and asset accumulation related to conflicting federal policies and a lack of sensitivity to disability-specific needs. We conclude by offering policy recommendations from our analysis, including the need to eliminate the means-tests used in welfare policies, de-linking participation in IDAs from employment status, and involving people with disabilities in designing and evaluating asset accumulation policies and programs.
残障成年人比例性地经历贫困。我们研究了一种促进生活在贫困线或附近的残障成年人经济福祉的新策略，即个人发展账户（IDAs）。IDAs 的设计目的是帮助个人存钱，进而积累资产。尽管残障成年人占 IDA 参与者的大多数，但对他们的 IDA 储蓄表现关注甚少。我们描述了积累资产的重要性，特别是与残障成年人相关的方面。然后，我们绘制了 IDA 计划的性质，并分析了参与 IDA 和与联邦政策冲突以及对残疾特定需求缺乏敏感性相关的资产积累障碍。最后，我们从分析中提出了政策建议，包括消除福利政策中使用的收入测试、将参与 IDA 与就业状况脱钩，以及让残疾人参与设计和评估资产积累政策和计划。
