Gross Tal, Trenkamp Brad
J Health Care Poor Underserved. 2015 Nov;26(4):1149-56. doi: 10.1353/hpu.2015.0118.
Poor health can lead to financial instability and, eventually, bankruptcy. We examined how entrance into the Social Security Disability Insurance (SSDI) program was associated with bankruptcy filings among those who had a disability and applied to the SSDI program.
We merged dockets from U.S. bankruptcy courts that cover 2000 through 2009 to administrative records on all SSDI applicants from 2000 through 2003 (adults aged > 18, N = 1,500,607). We estimated logistic regression models for bankruptcy declaration within one year of the decision to allow applicants onto the SSDI program.
Being allowed onto the SSDI program was associated with a decreased risk of bankruptcy (adjusted odds ratio = 0.754). The association was negative and statistically significant for all age groups, including older applicants nearing eligibility for Medicare.
The findings contribute to a growing body of research suggesting that increased aid to adults with a disability can reduce financial instability.
健康状况不佳会导致经济不稳定，并最终导致破产。我们研究了加入社会保障残疾保险（SSDI）计划与残疾且申请该计划的人群中破产申请之间的关联。
我们将2000年至2009年美国破产法院的诉讼档案与2000年至2003年所有SSDI申请人的行政记录进行合并（年龄大于18岁的成年人，N = 1,500,607）。我们估计了在决定允许申请人加入SSDI计划后一年内破产申报的逻辑回归模型。
被允许加入SSDI计划与破产风险降低相关（调整后的优势比= 0.754）。该关联对所有年龄组均为负且具有统计学意义，包括接近符合医疗保险资格的老年申请人。
这些发现为越来越多的研究做出了贡献，表明增加对残疾成年人的援助可以减少经济不稳定。
