Seattle is the largest city in the Pacific Northwest. In an average year, there is record precipitation falls on average 150 days of the 365 days a year; it is cloudy 201 days and partly cloudy 93 days. Seattle is home to 608,660 residents within a metropolitan area of 3.4 million inhabitants. Survey of Income and Program Participation (SIPP) projects that approximately 18.7% of the population, between ages 15 to 64, have a disability. Of that approximately 10.0% have a "non-severe" disability and the remaining 8.7% have a severe disability.

El Paso, the sixth largest city in Texas and 19th largest in the U.S., has a population of 649,121 (2010 Census Bureau Statistics. With the Mexican-border town of Ciudad Juárez, Chihuahua, Mexico, the majority of this populated town is of Hispanic decent. It’s easy to become overwhelmed at the thought of applying for disability benefits. The Social Security Administration (SSA) is one the world’s largest bureaucracies; it’s regulations, rules, and operating policies and procedures do not allow a normal citizen to navigate and understand.

Nashville is most notably known as the center of the country music industry. Nashville also has high profile prevalence in the health care, publishing, banking and transportation industries; its home to a number of colleges and universities. Currently, the bi-county population of Nashville-Davidson County stands at 635,710 (2009 U.S. Census estimates), and approximately 14.1% or 75,100 residents are disabled.

Milwaukee, the Jewel of the Great Lakes, is the 28th most populous city in the United States. This large city is the main cultural and economic center of the Milwaukee–Racine–Waukesha Metropolitan Area with a population of 1,751,316 (U.S. Census Bureau). Over 15.2% of the population is registered as a person with a “disability”, which are approximately 127,930 residents.

Denver nicknamed the "Mile-High City” has an official elevation of exactly one mile above sea level. Denver population now exceeds 600,158, as documented by the 2010 census, and is the 26th most populous city in the United States. In Colorado approximately 533,100 are registered as disabled residents, and currently receive benefits through the Social Security Administration (SSA).

Columbus, the capital city of Ohio and the 15th largest city in the U.S., modern Columbus has emerged as a technologically-sophisticated city. The staggering population has had some dramatic increases over the past ten years, and with a 2010 Census count of 787,033; Columbus became the most populous city in Ohio.

Memphis is the 3rd largest city in the Southeastern United States and the 20th largest in the United States. The greater Memphis metropolitan area, including adjacent counties in Mississippi and Arkansas, had a 2010 population of 1,316,100. Memphis has an unemployment rate of 10.7%, higher than the current national average of 9.1%. Approximately 15.4% of the Memphis population has a documented disability; of that, over 80% are not in the job market.

Worker's compensation is a form of insurance that provides financial compensation and medical benefits to employees who have been injured on the job. The acceptance of worker's compensation eliminates the employee's right to sue the employer for circumstances that led up to the injury. Worker's compensation coverage varies from area to area and employer to employer. Compensation may be made to the employee in the form of weekly or monthly payments and may cover past and future lost wages. These benefits might also be payable to the families of workers who have been killed on the job.

The United States Department of Veterans Affairs, also known as the VA and the Veterans Administration, is a government-operated veteran benefit agency. The Veterans Administration is the agency in charge of providing medical care and disability benefits to military veterans who are wounded or disabled.

The Social Security Disability windfall offset, also known as windfall elimination, is used to prevent Social Security Disability recipients from receiving more money than they are actually due. The windfall offset usually only affects recipients who are receiving both Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) payments.