Under the changes, a self-employed worker who contributes to the social security system in one EU country, and then moves to another member state that does not have unemployment insurance for the self-employed will be able to claim unemployment benefit from the country where the worker was last based before becoming unemployed.

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For example, if an average-income worker split his money, with 60% in stocks and 40% in bonds, and the stock market lost 80% of its value on the day that worker retired, he would still have a higher pension than he would get under the current Social Security system.

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Under the current system, evidence from a professional, such as a GP or social worker, is expected to be provided by claimants themselves.

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The money allowed him to ramp up his data system and hire a few people, like the nurse practitioner and the social worker who had helped him with Hendricks.

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And in this case, delivering an individual worker credit through the payroll tax system muddies the waters between personal income taxes and taxes paid to support Social Security.

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