We're here had a report yesterday from a national organization. That. And all of the recent elections. This year and -- Tuesday. An average of 15%. Of the qualified voters sure of the -- It was something like. Two million people. Booked -- -- 223. Million eligible. So today. We're gonna look at the do nothing congress. And the question that says crossings that thing in and more importantly. Do we care. 11 o'clock -- -- -- that surprised me. There's only one industry that a there were down -- Then as. Startups. All over the country. Being put in place. In order to help those people that are in the industry. Data out. And it's orders. We'll talk to via. Founder of -- careers out there and talk to the founder of leave and leave wall behind. And talk at butter and an extensive network. That one -- young lawyers didn't plays a lot of ego. Like it is so there going to get into other industries. Nor -- good young people listening appears in laws were headed prologue it's even more pollution the shortened -- -- -- -- many of the place. That's our. A couple of things. A look back. In and history. Of Medicare Medicaid. Social Security so forth and so on. And the had a blow White House. Help policies. Coordination. Back in 2000 now. Predicted that Medicare trust fund would run out of money by 2007. Being. Not at all the date running Marty is 2030. So. Warts Boortz the new. Well a new report and it -- from the atrocities which is made up for federal troops and to public representatives. And they came up with a report of suits have Medicare's financial condition improved. Significantly. White house -- Sohn called the moves could hold up to 2033. But I remembered something. We do -- while. Back problem you were a year ago. Social Security is looking a little bit better Medicare and looking. A whole lot. But there's something called Social Security disability. And he did that entity the disability teach facts. Cost more than food stamps and welfare. Come box. We'll talk about the good news and bad news when we come back governor a bureau bigger celebrity immoral 53. But they're good about Medicare Social Security number of other things. Look back in time 2009. Of the gentleman who's sort of help policy coordination of the White House. To the Medicare trust fund would run out of money by 2017. Tuesday's. -- aid is now 2030. And apparently has to do with -- Medicare's financial condition improving quite a bit. The trustees who have come up with the leaders report from season to -- report federal troops and to public represent. Better understand what it is from being slow long term we have Barbara -- about what would -- who's -- director. Of poverty to prosperity pro government troops and for American progress from Boca -- sure appreciated to talk. -- the causes. See you went through looking for the causes. Number of things recession. Mean -- were. Recession. Let's look because you're void left more than his and obviously. And then obamacare. Changes to the Medicare system 165. -- and this supposedly. Positive impact. And they talk about the portable there Kara. Utilizing preventable re admissions -- re admissions. Or -- your thoughts. Yeah no I think you you hit everything you know right on the head make it's a good news to report and and I hope people. Realized that and take it -- -- Do you do you see this continuing and. Antoine you know it's really hard to know what. What's gonna happen in the future -- -- -- think. -- can -- can take a look at that trustees report and see what they're protecting for the future. I'm but I think. We cannot take it as news that -- be Affordable Care Act to use. Very positive and and I think that we can. Hopefully move past a lot of electric. Fact the assertions by the pin neat about what it would really gonna do any impact it would have. Would. All do shows we've built around there's even a book forum on here on the show. Well look back over month follow hosted its seems familiar in a nonpartisan. Way believe it or not. That we have no idea what's gonna happen to overall economy. In the years to come and that always. At its pluses to reminders is to Medicare Medicaid in the yogurt. A technology. We repaired some expensive technology. And now that slowing. Pure prescription medications more generic. Medications. And we're looking -- cost overtime. Nobody knows what's gonna happen there even down to. Under Obama cure the naral networks. Limited -- your doctors and providers in the rulings can choose. There's no real worried to predict. Whether or not reduced sustain Medicare Medicaid at this point it is. Come now I I don't know that there is but I think what he report and it illustrates. He's important because. Continuing to appear to the reforms in the Affordable Care Act and that -- in his. Really a recipe for keeping Medicare expenditures at lower levels in the future. Well when I was reading about how well. Medicare is doing. And and they've built through that. What did that do do they determine -- -- so much security is also stable both of these or stable. But dude treasures secretary -- One cents he said the expressed concern about Social Security's disability. Program. And -- -- to dial up and and apparently. The disability programs costing more than food stamps and welfare combined. What what's going on there. Well I think they. It can understand disability insurance program in a significant step back and and just put in the context of Social Security. I'm so Social Security. I think it off and thought about in terms of retirement. Come -- he actually spent a lot more than just protect people into old age. It also provides. Like a protection to people who blues ain't breadwinner in the family through what it called survivorship and -- And also protecting more than 90%. American workers and actually mentally incapable life changing disability or illness. And that's especially important it and that most of them actually don't have any real alternative to file past time. I'm fewer than one in three civilian workers in this country actually had access to employer provided long term disability insurance fell out. Obviously disability and and -- on the petition thing you know we never. I hope happens to and that we probably don't like to think much about like if and when he does have. Then and there actually isn't significant chance credit line. Happened to many I am -- young worker can have a one in three chance at becoming disabled or dying before he or she reached its retirement needs to know. In the added that. Much as we hope it doesn't happen in Social Security is there and offers really important protection. That's the capability intern in his. But I think the point that you're getting act is come depending I think has been focused time quite a lot in the last couple years in the media ask. And in congress and that's the fact that the program has grown offer time. What he hasn't gotten nearly enough attention is the fact that the program's -- had long been expected. Come all the way back in the early nineties the actuaries knew we were in a secret and it program. And the reason we've seen growth in in disability insurance it's really it's the story about demographic. It's -- story about it he'd baby boomers -- and -- -- disability ears at their fifties and sixties. And not turning to the disability insurance when -- experience that's like changing disability because. And also a story about -- Who have now achieved parity with men in labor force participation that it now women are actually insured and protected. He -- disability. Content and then to turn to TI and need to stop predatory population. Now. And so there. And I've got a quote here from company called public consulting room. Supposedly reportedly allegedly your private company that states paid to -- their will for rule. And move as many possible. -- to disability and here's what. Via rep for the company's. Personal welfare costs of state money. That same resident on disability. Doesn't cost the state a cent. Because of federal government covers the entire do. Four people on disability. A look back Q&A reference stories and many believe that when Clinton did win it would welfare as we know it. The states realized that they were gonna take -- calls but they saw the disability program. Didn't cause some thing put everybody over and to the disability side and that cause those. 260. Billion dollars you're twice as much not prices much more than that and food stamps and welfare combined and it is in the -- in right. So I think -- that is focusing mind you that they're actually are a lot of action kicks in this country who. Look and help people access benefits to which parent titled. And and in a lot of ways that's actually a very positive story. On the social security agency tremendously complicated program. -- and it can really be challenging to go to the application process that. Get on your medical records. I'm kind of -- -- all the hoops that are required to establish that you need eligibility criteria and qualify for an attractive. So there are advocates who can help people. Who have disabilities -- And in accidentally disability insurance let me -- people need for. Actor in a working. Here intact -- that's what that's referring Q. And and I think that I think it's actually tremendously positive saying that there are advocate who can help people and blocks through what I did a tremendous complicated for the time. And -- pulled -- Very extensive and fuel or investigated to report. It's called unfit for word the storm rolling rise would just -- in America and in just one little portrait. They pitted Aberdeen Washington. Where they followed the number of people through the state rebrand didn't read training. While people that lawsuit jobs in the trees close. And it -- there are lots of meetings. About retraining programs and educational opportunities. And had many of the meetings of staff members would you pull people aside in their victories. Until -- got to be honest with dude there's nobody gonna -- you were -- hiding you god this state that. And the members of bite from one. Just saw all the better pitch -- of the solution to everything is gone and then go over on disability. Is is that an isolated incident and rumors that a major problem. I can't comment on that conversation that went in part obviously. But I think what. Like. That sort of an anecdote. Unfortunately contributes to eat around protection about the program and about who the beneficiaries are. The fact is that we actually have restricted disability entered. For a disability benefits -- -- in the entire industrialized. World. Content that's not my opinion that actually found finding the Organisation for Economic Co-operation and Development LE TT. They -- On an annual Patriot Act. All of the industrialized nation that are members of the Italy -- -- -- care all the different kind of social insurance for content and social safety net protections that detail -- and tell. He has repeatedly found that actually the United States. It -- at the bottom in terms. And generosity of our benefits are benefits are actually pretty stingy compared to other countries. And they're comparable programs and -- and also that our our eligibility criteria for who can actually receive benefit from. -- these stricter than almost any other country around we hang out at the bottom in the last week with that South Korea intact. Until I -- you know didn't get the eligibility criteria are still incredibly stringent. That the program is really reserved for people who have the most severe illnesses and the most significant. Capabilities and unfortunately. I think media reports from has on apparently. Regular basis led to and the perception and how easy to qualify for benefits when match. I'm really isn't he. Won't -- -- question. And I'm a breaded in the liberal publications are rooted in conservative publication there's seems to be in agreement. That is -- the Medicare funding holds up to 2030s now is protect -- note projected. -- 101065. Year old I'd city in this country being created Purdue and he. Eventually rug begin the higher premiums. For Medicare beneficiaries. Mora. Out of cost. Per visit. Or reduction in the annual cost of living adjustments. And telling millionaires and billionaires you gonna pick your prayers -- -- -- nothing at all. Do you see any of that happen. I think we've heard a lot as discussion about a pound and ten million increasing amount. He is eight conversations about me. Not only restraint and that also expand Social Security. And I think we've heard a lot of proposals. -- has actually been legislative proposals by Kirk progresses. On members of congress. -- exploring. Options. For her. Proposed strengthening -- Social Security in terms of solvency and also for intact and popped out of a recognition that. That the benefits are incredibly vital but -- also incredibly not just. I'm actually looking at disability insurance and it -- Coming to an average 11100 dollars a month our hair out. It is really difficult to -- line and actually most people experience that as a deep drop in the standard of living when me turn to disability insurance. Retirement benefits are deliberately Martin and average retirement benefited. In the neighborhood that just about 151000 dollars a year and a companion out right around federal poverty level for a single person to think what we've seen it actually a lot of discussion. -- we accept that -- more adequate. And in recognition of people -- you weren't you her -- By the economic security can fall back on actions Social Security. And -- with the proposal that has been floated include what teeny town that week should. -- really shift to to attack and it. Situation where he happen. Which is currently that. At a 1171000. Dollars a year. -- that means that mean. Only the first 1171000. Dollars that person made it. For Social Security. Until the very wealthy -- percent in the country who make more than. -- they only paid taxes on and just -- first 1171000. -- -- not a tax break on the around and it. On if we were you a litany tapped out and instead -- the -- in the nation -- all year into Social Security namely that. Debt direct about deal. At that actually would cool way to closing Social Security shortfall. And I think that's what we heard a lot as time progressed to members of congress proposing that approach. And trying it out there and next. Rebecca I've refuted time the actual trees Phelps -- cylinders -- -- and thanks for uncle. Much. Governor of -- celebrity jail moral -- -- Well about two and a 2000 non via head of the help policy coordination. Office. So did Medicare trust one would run remotely by 2070. Today. The latest report says it's gonna run government run 2030. Medicare's financial condition. Improved significantly. Since the yeah. Headlines in the papers. Over the last couple addresses. And we duplicates -- by 2015. Medicare's trustees report projects -- most in low parts per person on hospital care then it did in 2008. We just heard the liberal side -- -- what why they think is out and painting group and in the future. Look at the conservative side of joy and to those slow Wilson H Taylor scholar in health care and retirement. American Enterprise Institute. -- -- -- What do you make of this -- -- company. Cap PDAs are not here aghast that the the -- It -- folks who want it it's the good news here. Don't seem to recognize it and had to even -- citizens are affected by recession. Eight date continually days two well the general slowdown -- health spending that we -- -- -- the country. Is probably due to some extent to the recession sharp recession that we had that we haven't really recovered from that. They like it states two. The affordable care action had a lot to do that it is well even though. The affordable cataract. Who wasn't even just not in anybody's mind. Until after the recession with it but at least officially over. But to you know they have now. Senior citizens and are not affected I. By day did decline in the economy -- not affected by. Rising gas prices higher taxes. Higher cost of everything that they -- Somehow there there -- immune from that but it's but it's not true. They -- and so a lot of this reduction. -- came about during the during the recession. -- and every that was deeply affected by the economy. And looking forward. Even have to do you have to wonder. Whether in fact indeed very very large cuts. That the Affordable Care Act. Obamacare. Imposes. In Medicare and hospitals. Nursing homes. And for that matter. By omission even on positions. All are all those cuts really going to be taken. And how will we in fact the. Continued. Slow growth in health spending or will leave bounced back and we always. I think the answer is pretty clear. I think for reviewed talks who's in in the media. The big debate social security and editor -- it is always good because it's scary you know by 2017. We're going to be dutrow in college 2030. Went back and looked at my files solved the things that are affected -- over the last forty years the economy whether or not economy does scooter ought. Technology right now over from resume their slower rate of technology plots. Lot of those -- giving generic drug rather than prescription. We're not really sure what Obama cares gonna do at this point in time. Then you got the boot the patients we think. We're going to be asking him to pay more out of cost. Expenses and that may make them. Use less medicine in the future. And then we've got the obamacare neural networks. Where would get old very limited menu of doctors and providers. So -- you wouldn't wouldn't we hear these predictions. Out of money by 2070. In trouble 2000. That nothing more than just -- word -- and publicity. There's no way of telling us. Well it you know economists and actually like to call them -- projections. Good idea that a lot of -- there there's so there are a lot of assumptions. About. Not just. I mean EU plan that's very important things I think that is the biggest issues. Have to do is what will government policy be. Can't tell overreact to that and also tell -- what will happen to technology. So let me -- technology first. You know it's it is a good thing that we had to. Apologies and listened to intently forgot to -- look at the clock. Let me take a break hold that thought won't come back and cultural and technology. If you're just one dose. The media reporting good news for Medicare financial condition improving. Instead of -- running out of money in 2017. Losing 2030. Come right. Are welcome -- were -- good about report from the photos of security trustees. Medicare trustees. They said the Medicare's financial condition has improved significantly. Be out predictions were that Medicare was gonna run government about 2017. Now this is the troubled you're going to be hell of two of 2030 we have geo and tools weather's. With the American Enterprise Institute Joel had a culture of just what we're talking about. Long term Medicare's obscurity. It goes up and down there's no room well the no real way of telling what it could be in technology used one of the reasons for. Technology is one of the big reasons. You know beat this current trustees report didn't take into account. This -- do really it's a miracle drug cults of Albany which treats hepatitis C. It a drug that works -- the existing. Treatments did not work very well there. There are difficult to take care painful. And -- don't they don't works for most people. And -- very expensive. And this new drug. Is not in fact that much more expensive. It's very expensive but it's not that much more expensive than the older treatments. But it works. Because that means that there will be millions of people who'll wanna get that drug -- they potentially millions of Medicare beneficiaries. That's not that's not reflected in this. So so. So effective. What we see is a prediction. That Medicare is in better shape than was predicted last year and the year before. But that's the beating out two. At some development is that the that we that we know about radiant and we fully expect to happen. Over over the next few years that will in fact increased the demand for high tech health care. And increase the costs of Medicare program in it and who's -- -- date now if there's a light stating. Life enhancing and I treatment that is available for Medicare beneficiary. We're renting video news releases on this from the the treasury. -- would all certainly -- more good news but the Treasury Secretary Jacob -- In one sentence well actually two sentences. Percival -- its Social Security Medicare or fundamentally secure that that's good news there and that sends. And there is nothing else on. But he expressed. -- extreme concern about Social Security disability program. -- them up and it costs us more than food stamps and welfare combined. 260. Billion dollars a year. One out of every four. Working age adults in one county in Alabama. A collection disability check what's going on there. Well disability is a program that is kind of run its own for a very very long time. Can do and use of the welfare and I think clintons have done in the welfare and it's time. In the states. Oh we got a big welfare but. The feds pay for disabilities who would put him -- this bill. 'cause I noticed virtually the same number that used Stabile welfare and now on this bill. Well it is it is true that there are -- eleven million people who are -- around at the disability rolls. And it and we -- and it's certainly the case. And had two whenever this recession especially. Severe recession such as we had recently. That disability rolls jump up -- that basically workers can no longer how work. They're going to be split let's -- from their jobs and so this is frankly did at the disability. Program has for many people become. The entry to. -- at retirement very good return better retirement. So you know having the the program. Does encourage. People. -- discourages people from working. Longer than. That may be is complete the possible for them. And that. But I would I would stated stated it is simply transfer of people from welfare disability I think it's more complicated that nonetheless we've got a real problem. The disability insurance trust fund. Have run out of money in 26 mean. And congress doesn't seem at all interested in. Dealing with the fundamental issue about what -- stated our four. Becoming officially disabled in this country and and recognizing. That to what could be temporarily disabled. Without necessarily being permanently disabled that we need to find a better way. To encourage people to go back on the job if they can do so. Our system simply doesn't encourage it. Joseph I've appreciated called very much in the time -- -- good. -- and -- with the American Enterprise Institute here and he says he's not real sure of the disability replace Medicare. Oh lookup -- yours on pit bull work. Long term investigation by of that and it. Talking about the startling -- who Duke's ability un American their point of a group called the public consulting group. This group that states paid -- the welfare roles and move as many people as possible on -- disability in their quote you is. -- personal welfare cost the state money. That same resident on disability. Doesn't cost the state assent because the federal government covers the entire bill for people. On disability. When you look at the records. That -- 2011. Almost 34% of disabled workers. Had back pain and muscle problems 1961. The same percentage whose heart disease and stroke and so far less than 1% of the people one on disability. The beginning of 2011. Have returned to the reports. Sounds kinda like welfare use to -- -- If you're lost -- student there -- Poland six -- intrusion. This Hedlund coal -- the only job with the industry devoted to helping people -- Lawyers. Will have it. Coming up talking about these consultants. They're popping up all over the country and ordered to revive lawyers. On how to get out of the legal industry.