this post was submitted on 29 Nov 2023
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My wife and I were discussing how she has worked hard all her life and tried to be a model employee everywhere only to be accused of embezzlement when others stole from her till (and were eventually caught) and casually dismissed and insurance cut off after a lifetime of paying into it. I have dealt with the same sort of treatment when working for others. We're both honest people and naively thought that work was rewarded. It is not.
Either work for yourself or dont work at all. Also, disability insurance and SS are a fucking farce so cover your own ass and quit giving the government your money.
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.