"The surge in the numbers of Americans who are now living off of Social Security's disability insurance program is troublesome. But it reflects the harsh reality of an ongoing jobs crisis that is leaving millions of people unemployed or under-employed, barely scraping by, desperate to find work or better jobs.... But what really worries [the author] is that even those Americans who are working and managing to save something on the side, their retirement dreams are evaporating, and many of them will likely have to enroll in this 'de facto welfare program' before they reach retirement age."

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