I can't manage as a upper-middle class American. Benefit denial systems like this are ways for the legislative and executive to bypass the budgeting process. (i.e. driving down costs by adding paperwork hoops)
https://www.nytimes.com/interactive/2020/01/28/upshot/administrative-burden-quiz.html?action=click&module=Editors%20Picks&pgtype=Homepage
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January 28, 2020