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What too many people think about when they think welfare! |
The answer is YES, NO and MAYBE SO...
You might be scratch your head and saying, "Huh?" It's politics, there are no clear cut answers. Where do you think the term politically correct came from? Politicians! There can be a wide debate on welfare, but there are also some hard truths that both conservatives and liberals need to face.
Are there people on welfare who know how to "work" the system? Absolutely! Are there people on welfare who really need assistance? Most definitely! Is there a grey area? That's a rhetorical question. The right question to ask is why is the system that way. Simple answer...inherent design flaw. In all reality, the system works best for those who don't help themselves.
You might be asking what do I mean? Well great strides were made to the TANF program (the one that grants money) when recipients were required to work to be able to collect cash benefits. Supporter or not of welfare, you should see this as a win-win. So small businesses and charities were able to put unemployed workers in the workforce. Think of it as a free trial run for the employers. The goal was for the employers to hire the employees who worked well. This was suppose to alleviate some of the burden to small business and give valuable work skills to those who need it. The SNAP, EBT, or Food Stamp program as it is more widely know as does not have the working requirements. Unfortunately, the new changes are giving the states more leeway in the working requirements like when they can be waived.
Why don't they have a requirement? Simple answer again...people need to eat. I am not going to talk about people who have cash paying jobs, or illegal activities that subsidize their income. This will always be a way to "work" the system that can have little governmental oversight. There are also people who will always find ways around the system. I know many states are trying to crack down on people who sell their food stamps for cash. Before you condemn them, think that only food is covered on the program. So items like toilet paper, toothpaste, soap, feminine products, and diapers are not covered. I am not saying that this is right, but I could understand why someone does it. Then there is the flip side where people sell them for cash in exchange for illicit purposes like drugs.
So with all the bad things that can happen, when is this not a case of abuse? When the system works as many thought of it was originally made to work then we have the proper welfare. A perfect example would be a single mother who does not have a job or works for minimum wage and needs to make ends meet. If you think that minimum wage can pay the bills for a small family, I am not sure where you live in the United States, but please let me know. Some think that this case never happens, but it happens more often then many want to think. One of our largest employers is a good example--Walmart! This large conglomerate receives tax breaks for creating jobs...jobs for which many of the employees are on public assistance or qualify for it. Some savings there! So these individuals are being taxed to pay for their own assistance.
I talked about grey area, which is pretty much every other case. Take for example a mother working for $16 hour in large expensive area like New York City. For some $16 an hour may seem like a lot, but not if that is the only money a family of four receives. So before taxes, the family brings home $640 a week. The family is no longer eligible for food stamps, TANF, and in many states medical coverage. In reality, the family will have approximately $467 take home a week. If you take into account, the family should have medical and dental coverage, you are looking at about at least $80 a week for insurance for a family. Now the take home is $387. I believe the calculation is 4.2x the weekly rate which mean the monthly income is $1,625.40. It would be hard to pay rent in a decent neighborhood with that amount of money.
So hear is where is works best not to help yourself. If mother did not work, she would receive approximately $800 per month in rental subsidy, $668 per month in food, over $400 a month of cash assistance with free medical. I didn't mention that her $87 a week medical also has deductibles for everything where as the government is free for children and minor charges for adults. So her net with aid is over $1,868. This doesn't include other assistance out there for low-income families. She may qualify with $16 an hour for some of them since she is still below the poverty line, but not at the same rate as if collecting public aid. So the system is not designed to help those who try to help themselves! It actually works against you while you are in this grey zone between cap limits and getting over the poverty line. But as a mother, wouldn't you do what is best for your child? Some may argue that it is by leading a better example and scrapping by, but financially it is more sound to do nothing.
With everything said, does anyone else see the inherent flaw in welfare? Don't argue about your taxes when many of the people on welfare are paying taxes for their own assistance. It seems like a good time to go back to the drawing board. Reform, Overhaul, or Status-quo...you decide.