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Cause it isn't
(lemmy.ml)
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this post was submitted on 29 Nov 2023
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How is any of this optional?
I think they assume that you follow their advice and are now "working for yourself", which I assume to mean create your own business such as a consulting company, a store, etc. With that assumption, and this is obviously not legal advice, I believe, in the US, you don't have to contribute to social security if your business has under a certain number of employees. I also think not all states require disability insurance under similar business size limits (this one I am less sure of).
You still have to pay your social security taxes if self-employed.
the real solution is to unionize
Yikes. For anyone looking into it. https://ssabest.benefits.gov/
PDF Warning: https://www.ssa.gov/news/press/factsheets/basicfact-alt.pdf
It was never meant to be. It's supplemental income. The government has always expected people to be able to 'save' somehow or also pay for injury insurance. Hence supplemental income. Unfortunately the vast majority of disabled people often never had great resources to begin with.
The maximum payout is also loosely scaled to Federal Poverty Levels which can be woefully low depending on the Cost of Living in most areas. It was also not meant to support an entire family, it was meant to support 1 person.
https://www.investopedia.com/ask/answers/082015/what-are-maximum-social-security-disability-benefits.asp