Routing for UAS541

main_intro
This survey is about how you spend and save money and plan for your future. There is a special focus on people who have a disability or who have difficulty with some daily activities. Your voice is important, and we appreciate the time you spend answering these questions. The information will help us raise awareness among business leaders and policymakers.

In these questions, "household" includes you and others living with you who you care for or who contribute financially to your living expenses. If you live alone, or do not consider anyone else to be a member of your household, please answer these questions as an individual.

For all questions, please answer to the best of your ability. If you are not sure about the answer to a question, your best guess will do.
lastcompletedsurvey := getLastCompletedSurvey()
if lastcompletedsurvey = response then
preload_q138 := getPreload(lastcompletedsurvey, 'q138')
preload_q139 := getPreload(lastcompletedsurvey, 'q139')
preload_q140 := getPreload(lastcompletedsurvey, 'q140')
preload_q141 := getPreload(lastcompletedsurvey, 'q141')
preload_q142 := getPreload(lastcompletedsurvey, 'q142')
preload_q143 := getPreload(lastcompletedsurvey, 'q143')
End of if
currentage := calcAge(dateofbirth_year, dateofbirth_month, dateofbirth_day)
if currentage = empty then
currentage (calculated current age)
What is your current age?
RANGE 18..120
End of if
Fill code of question 'FLConditions' executed
Fill code of question 'FLAct' executed
Group of questions presented on the same screen
b001_intro
In another survey, you indicated that because of a physical, mental, or emotional condition, you have difficulty with the following activities:
    [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/] [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/] [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/] [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/] [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/] [Seeing/Hearing/Walking or climbing stairs/Concentrating, remembering, or making decisions/Dressing or bathing/Doing errands alone/]
b001 (still difficulty with one or more conditions)
Do you still have difficulty with [this activity/at least one of these activities]?
1 (YES) Yes
2 (NO) No
End of group of questions
current_difficulties := '1'
if b001 != 1 then
current_difficulties := '2'
End of if
if current_difficulties = 1 then
b001_intro2
The next questions will ask about the physical, mental, or emotional condition(s) that cause these difficulties. If you indicated multiple difficulties, we will ask about each one in turn (up to 3).
numberofconditions_asked := '0'
hascondition := '2'
dis003_max := currentage
if dis003_max = empty then
dis003_max := 120
End of if
Loop from 1 to 6
if conditions[cnt] = response AND numberofconditions_asked < 3 then
numberofconditions_asked := numberofconditions_asked + 1
dis001 (how long expect condition to last)
You said that you have a condition that gives you difficulty with [conditions[]]. How long do you expect this condition to last? Your best guess is fine.
1 Less than 3 months
2 3 to 12 months
3 More than 12 months
4 I don't know
5 I don’t have difficulty with this anymore
if dis001[cnt] = response and dis001[cnt] != 5 then
hascondition := '1'
if dis001[cnt] in [3,4] then
dis002 (expect condition to improve)
Do you expect that the condition that causes your trouble with [conditions[]] will improve in the next few years?
1 Yes
2 No
3 I don't know
End of if
dis003_age (age first trouble with condition)
At what age did you first have trouble with [conditions[]]? Your best guess is fine if you are not sure. Enter “0” if you have had this condition since birth.
RANGE 0..^dis003_max
if dis003_age[cnt] > 17 then
dis004 (limit work when trouble condition started)
When your trouble with [conditions[]] started, did it limit how much you could work?
1 (YES) Yes
2 (NO) No
if dis004[cnt] = 1 then
dis005 (have short or long term disability insurance when had trouble condition)
Did you have short-term or long-term disability insurance at the time when your trouble with [conditions[]] started?
1 Yes
2 No
3 I don't know
End of if
End of if
End of if
End of if
End of loop
End of if
if hascondition = 2 then
current_difficulties := '2'
End of if
if current_difficulties = 1 then
em_intro
The next set of questions asks about your experiences working, as well as whether you receive any government benefits.
em001 (current employment status)
Which of the following best describes your current employment status?
1 Working for a company or organization
2 Self-employed
3 Not working for pay but looking for paid work
4 Not working for pay and NOT looking for paid work (e.g., retired, disabled, student, homemaker)
if em001 in [1,2] then
em002 (how many hours per week usually work in main job)
How many hours per week do you usually work in your main job? If you have more than one job, please think about the one where you earn the most income.
1 Fewer than 5
2 5-20
3 21-34
4 35-50
5 More than 50
End of if
Fill code of question 'FLem003' executed
em003 (any other adult in household work for pay)
Does any[ other] adult in your household work for pay? This could be through a job with an employer or self-employment.
1 Yes
2 No
3 There are no other adults in my household
if em001 in [1,2] and em003 = 1 then
em004 ( respondent person in household who typically contributes most to household income)
Are you the person in your household who typically contributes the most to the household income?
1 Yes
2 No
3 We contribute about equally
4 It depends on the month
5 I don't know
End of if
gv_intro
The next set of questions are about government benefits. We are interested in whether you receive these benefits in your name. Do not include any benefits that other members of your household receive in their names.
gv001a (receive Medicaid)
Do you personally have health coverage from Medicaid?
1 Yes
2 No
3 I don't know
gv001b (receive Medicare)
Do you personally have health coverage from Medicare?
1 Yes
2 No
3 I don't know
gv001c (receive Social Security retirement benefits (OASI))
Do you personally receive Social Security retirement benefits (OASI)?
1 Yes
2 No
3 I don't know
gv001d (receive Supplemental Security Income (SSI) Benefits)
Do you personally receive Supplemental Security Income (SSI) benefits?
1 Yes
2 No
3 I don't know
gv001e (receive Social Security Disability Insurance (SSDI))
Do you personally receive Social Security Disability Insurance (SSDI)?
1 Yes
2 No
3 I don't know
gv001f (receive Veterans’ Disability Compensation Benefits (VA Disability Pay))
Do you personally receive Veterans' Disability Compensation Benefits (VA Disability Pay)?
VA disability pay is for veterans who got sick or injured while serving in the military.
1 Yes
2 No
3 I don't know
gv001g (receive SNAP, TANF and/or WIC)
Do you personally receive any of the following:
  • Supplemental Nutrition Assistance Program benefits (SNAP or food stamps)
  • Temporary Assistance for Needy Families (TANF) benefits
  • Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) benefits
1 Yes
2 No
3 I don't know
gv001h (receive Rental housing assistance (Section 8))
Do you personally receive any rental housing assistance (for example, section 8)?
1 Yes
2 No
3 I don't know
bar_intro
Now we'll ask you about your desired employment situation.
if em001 = 4 then
ba001 (like to be working for pay)
You indicated that you are not working. Would you like to be working for pay?
1 Yes
2 No
3 I don't know
elseif em001 in [1,2] then
ba002 (like to be working more than currently do)
Would you like to be working more than you currently do?
1 Yes
2 No
3 I don't know
End of if
if em001 = 3 OR (em001 = 4 and ba001 = 1) OR (em001 in [1,2] and ba002 = 1) then
Fill code of question 'FLba003' executed
ba003 ( barriers to working, or to working more)
Which of the following are barriers to you [working/working more]? Please select all that apply.
1 My condition(s) prevent(s) me from [working/working more]
2 I don’t have the needed education or training
3 It is difficult to arrange transportation to or from work
4 I am concerned about losing my government benefits
5 Workplaces have inadequate accommodations for my disability
6 Employers and/or coworkers have negative attitudes towards people with disabilities
7 I have child care responsibilities or other home responsibilities
8 Other barrier(s)
9 Not applicable -- I don't face any barriers to [working/working more]
if 8 in ba003 then
ba003_other (other barriers to working, or to working more)
Please describe the other barrier(s) to you [working/working more].
STRING
End of if
End of if
if em001 in [1,2] then
Fill code of question 'FLba004' executed
ba004 (conditions preventing from earning more money)
Do you feel like your condition(s) prevent you from earning more money?
1 Yes
2 No
3 I don't know
End of if
fn_intro
The next set of questions asks about financial accounts you may own. Only include accounts that you personally have access to in your own name.
fn001a (have Checking account)
Do you have a checking account?
1 Yes
2 No
3 I don't know
fn001b (have Savings account)
Do you have a savings account?
1 Yes
2 No
3 I don't know
fn001c (have Savings in cash outside of a bank account)
Do you have a savings in cash outside of a bank account?
1 Yes
2 No
3 I don't know
fn001d (have ABLE account (a tax-advantaged savings account for people with disabilities and their families))
Do you have an ABLE account?
An ABLE account is a a tax-advantaged savings account for people with disabilities and their families.
1 Yes
2 No
3 I don't know
if fn001d = 1 then
fn002 (current value of ABLE account)
You mentioned you have an ABLE account. Please estimate the current value of that account. Just your best guess will do.
1 $0 - $1,000
2 $1,001 - $5,000
3 $5,001 - $10,000
4 $10,001 - $20,000
5 $20,001 - $40,000
6 $40,001 - $60,000
7 $60,001 - $100,000
8 $100,001 - $550,000
End of if
if fn001a = 2 AND fn001b = 2 then
fn003 (why not checking or savings account)
There are different reasons people might not have a checking or savings account. Which of the following reasons apply to you? Do you not have an account because...(please select all that apply)
1 Bank locations are inconvenient
2 Banks are difficult to use for people with my condition(s)
3 Bank account fees are too high
4 Bank account fees are too unpredictable
5 Banks do not offer products and services you need
6 You don't trust banks
7 You don't have enough money to meet minimum balance requirements
8 Avoiding a bank gives you more privacy
9 You don't have the personal identification required to open an account
10 You cannot open an account due to problems with past banking or credit history
11 For some other reason
if 11 in fn003 then
fn003_other (other why not checking or savings account)
Please describe the other reason(s) why you do not have a checking or savings account.
STRING
End of if
End of if
fn004 (how much control over major financial decisions in life)
How much control do you have over the major financial decisions in your life?
1 I make most of my financial decisions on my own
2 Someone helps me make financial decisions
3 I have a representative payee, guardian, or someone else who manages my finances
af_intro
The following questions ask about financial services you may have used.
af001a (Purchased a money order (at a location that was not a bank or credit union))
In the past twelve months, did you purchase a money order (at a location that was not a bank or credit union)?
1 Yes
2 No
3 I don't know
af001b (Cashed a check using a check-cashing service (at a location that was not a bank or credit union))
In the past twelve months, did you cash a check using a check-cashing service (at a location that was not a bank or credit union)?
1 Yes
2 No
3 I don't know
af001c (Sent money to friends or family living outside the US (at a location that was not a bank or credit union))
In the past twelve months, did you send money to friends or family living outside the US (at a location that was not a bank or credit union)?
1 Yes
2 No
3 I don't know
af001d (Took out a payday loan or received a payday advance loan)
In the past twelve months, did you take out a payday loan or receive a payday advance loan?
1 Yes
2 No
3 I don't know
af001e (pawn an item at a pawn shop)
In the past 12 months, did you pawn an item at a pawn shop? Do not include selling an unwanted item to a pawn shop.
1 Yes
2 No
3 I don't know
af001f (Used rent-to-own store)
In the past 12 months, did you rent any items such as furniture or appliances from a rent-to-own store (for example, Aaron’s or Rent-a-Center)? We do not mean stores that offer layaway plans.
1 Yes
2 No
3 I don't know
af001g (Took out a tax refund anticipation loan)
In the past 12 months did you or anyone else in your household use a service to get your tax refund faster than the IRS would provide it? This can include refund anticipation loans and refund advances.
1 Yes
2 No
3 I don't know
if af001b = 1 then
af002 (why not use bank to cash check)
You said you cashed a check at a place that wasn’t a bank. Why did you not use a bank? Please select all that apply.
1 I do not have a bank account that I can deposit checks to
2 Bank locations are not located nearby
3 Bank locations are physically inaccessible
4 Banks are not open at convenient times
5 Banks process checks too slowly
6 I have always done it this way
7 Depositing checks into a bank account would put my benefits at risk
8 Other reason(s)
if 8 in af002 then
af002_other (other why not use bank to cash check)
Please describe the other reason(s) why you cashed a check at a place that wasn’t a bank.
STRING
End of if
End of if
if af001d = 1 OR af001e = 1 OR af001g = 1 then
af003 (why not use bank for loan)
You said you got a loan from a place that was not a bank. Why did you not take a loan from a bank? Please select all that apply.
1 I do not have a bank that offers this loan
2 My credit score was too low to get a loan at a bank
3 Banks are not located nearby
4 Bank locations are physically inaccessible
5 Banks are not open at convenient times
6 Banks are too slow
7 A loan from a bank would have been too expensive
8 I have always done it this way
9 Other reason(s)
if 9 in af003 then
af003_other (other why not use bank for loan)
Please describe the other reason(s) why you got a loan from a place that was not a bank.
STRING
End of if
End of if
ins001 (currently have short-term or long-term disability insurance)
Do you currently have short-term or long-term disability insurance?
1 Yes
2 No
3 I don't know
ins002 (currently have life insurance)
Do you currently have life insurance?
1 Yes
2 No
3 I don't know
if fn001d != 1 then
ab001 (why not have an ABLE account)
You said you do not have an ABLE account (a savings account for people with disabilities and their families). What is the main reason you do not have one?
1 I do not know what an ABLE account is
2 I am not eligible for an ABLE account
3 I do not need or want an ABLE account
4 I don’t understand the application process
5 I have not gotten around to it yet
6 Other reason
if ab001 = 6 then
ab001_other (other why not have an ABLE account)
Please describe the main reason you do not have an ABLE account.
STRING
End of if
if ab001 in [2,3,4,5,6] then
ab002 (how familiar with ABLE accounts)
How familiar are you with ABLE accounts?
1 Very familiar
2 Familiar
3 Somewhat familiar
4 Slightly familiar
5 Not at all familiar
End of if
End of if
if fn001d = 1 OR (fn001d != 1 and ab001 in [2,3,4,5,6] and ab002 in [1,2,3,4]) then
ab003_intro
The following questions ask you what you know about ABLE accounts.
ab003a (must be getting SSI or SSDI benefits to get an ABLE account)
True or false: you must be getting Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) benefits to get an ABLE account.
1 True
2 False
3 I don't know
ab003b ( eligible for ABLE account this year, disability must have started before age 26)
True or false: to be eligible for an ABLE account this year, your disability must have started before age 26.
1 True
2 False
3 I don't know
ab003c (must apply for an ABLE account before age 26.)
True or false: you must apply for an ABLE account before age 26.
1 True
2 False
3 I don't know
ab003d (ABLE account balance is greater than $10,000, may impact SSI benefits)
True or false: if your ABLE account balance is greater than $10,000, it may impact your Supplemental Security Income (SSI) benefits.
1 True
2 False
3 I don't know
ab_answers
Here are some facts about ABLE account eligibility:

  • You do not need to be getting Supplemental Security Income (SSI) or Social Security Disability Insurance (SSDI) benefits to get an ABLE account. People with some disabilities who receive a letter from their physician may also be eligible.

  • To be eligible for an ABLE account this year, your disability must have started before age 26. Beginning in January 2026, the age of onset limit will be increased to 46.

  • You do not need to apply for an ABLE account before age 26. You can apply at an older age as long as the condition started before your 26th birthday.

  • The first $100,000 saved in an ABLE account are exempt from SSI benefit asset limits.
End of if
if fn001a = 1 OR fn001b = 1 then
ac_intro
The next questions ask about how you have accessed a bank or credit union in the last 12 months.
ac001 (access bank account by visiting a bank or credit union in-person)
In the past 12 months, did you access a bank account (for example, to check your balance or make a transaction) by visiting a bank or credit union in-person?
1 Yes
2 No
3 I don't know
ac002 (access bank account by using an ATM or bank kiosk)
In the past 12 months, did you use an ATM or bank kiosk?
1 Yes
2 No
3 I don't know
ac003 (access bank account by calling the bank /credit union)
In the past 12 months, did you access a bank account (for example, to check your balance or make a transaction) by calling the bank /credit union?
1 Yes
2 No
3 I don't know
ac004 (access bank account by using mobile phone)
In the past 12 months, did you access a bank account (for example, to check your balance or make a transaction) by using your mobile phone?
1 Yes
2 No
3 I don't know
ac005 (access bank account by using a computer or tablet)
In the past 12 months, did you access a bank account (for example, to check your balance or make a transaction) by using a computer or tablet?
1 Yes
2 No
3 I don't know
ask_ac006 := '2'
if ac001 = 1 then
ac006_order[1] := 1
ask_ac006 := '1'
Else
ac006_order[1] := empty
End of if
if ac002 = 1 then
ac006_order[2] := 2
ask_ac006 := '1'
Else
ac006_order[2] := empty
End of if
if ac003 = 1 then
ac006_order[3] := 3
ask_ac006 := '1'
Else
ac006_order[3] := empty
End of if
if ac004 = 1 then
ac006_order[4] := 4
ask_ac006 := '1'
Else
ac006_order[4] := empty
End of if
if ac005 = 1 then
ac006_order[5] := 5
ask_ac006 := '1'
Else
ac006_order[5] := empty
End of if
if ask_ac006 = 1 then
ac006_order[6] := 6
ac006 (most common way accessed an account)
What was the most common way you accessed an account?
1 Visiting a bank teller
2 Using an ATM or bank kiosk
3 Calling the bank
4 Using an app, text messaging, or Internet browser on a mobile phone
5 Using a computer or tablet
6 Another way
if ac006 = 6 then
ac006_other (other most common way accessed an account)
Please describe the other way you accessed an account.
STRING
End of if
End of if
End of if
ac_intro2
The next set of questions ask about your satisfaction with the accessibility of financial services. By "financial institution" we mean your bank, credit union, or any other company that delivers financial services like an investment management platform. By "accessibility," we mean accommodations provided to assist people with disabilities, such as screen readers or teletypewriter services, or American Sign Language interpreters.
ac007a (Navigating a financial institution's website)
How satisfied are you with the accessibility of financial institutions’ websites?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007b (Using a financial institution's smartphone app)
How satisfied are you with the accessibility of using financial institutions' smartphone apps?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007c (Speaking to a financial institution on the phone)
How satisfied are you with the accessibility of speaking to a financial institution on the phone?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007d (Using bank services in person)
How satisfied are you with the accessibility of using bank services in person?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007e (Using security measures on your accounts)
How satisfied are you with the accessibility of using security measures on your accounts (for example, using a card reader, remembering passwords or PINs, fingerprint ID, etc.)?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007f (Paying bills online)
How satisfied are you with the accessibility of paying bills online?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007g (Using an ATM)
How satisfied are you with the accessibility of using an ATM?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007h (Paying for everyday expenses with debit or credit cards)
How satisfied are you with the accessibility of paying for everyday expenses with debit or credit cards?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007i (Paying for everyday expenses with cash)
How satisfied are you with the accessibility of paying for everyday expenses with cash?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
ac007j (Sending money to someone using an app or website (like Venmo or Cash App))
How satisfied are you with the accessibility of sending money using an app or website (like Venmo or Cash App)?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
6 I have not tried this
if fn001a = 1 OR fn001b = 1 then
ac008 (how satisfied with accommodations bank makes for people who have respondent condition(s))
Think about the main bank that you use.

Overall, how satisfied are you with the accommodations your bank makes for people who have your condition(s)?
1 Very satisfied
2 Satisfied
3 Neither satisfied nor dissatisfied
4 Dissatisfied
5 Very dissatisfied
ac009 (experienced negative interactions)
In the past 12 months, have you experienced any of the following when talking to a bank representative, because of your condition(s)?
1 Being spoken to in a condescending manner or 'talked down to'
2 Offensive remarks or jokes
3 Being ignored or dismissed
4 Another negative experience
5 None of the above
if 4 in ac009 then
ac009_other (other experienced negative interactions)
Please describe this other negative interaction you have experienced.
STRING
End of if
End of if
ac010 (impact, if any, closures of bank branches had on ability to access bank services)
Over the last few years, many bank branches have been closed. What impact, if any, have the closures of bank branches had on your ability to access bank services?
1 No impact
2 Slight impact
3 Moderate impact
4 Major impact
ex_intro
The last few questions are about you.
ex001 ( race or ethnicity)
What is your race or ethnicity? Mark all boxes that apply. Note, you may report more than one group.
1 White
2 Hispanic, Latino, Spanish, or Latinx
3 Black or African American
4 Asian or Asian American
5 American Indian or Alaska Native
6 Middle Eastern or North African
7 Native Hawaiian or other Pacific Islander
8 Some other race or ethnicity
if 8 in ex001 then
ex001_other (other race or ethnicity)
Please describe this other race or ethnicity.
STRING
End of if
ex002 (gender identity)
How would you define your gender identity?
1 Man
2 Woman
3 Non-binary, gender non-conforming, or genderqueer
4 Other
if ex002 = 4 then
ex002_other (other gender identity)
Please describe your gender identity.
STRING
End of if
ex003 (identify as transgender)
Do you identify as transgender?
1 (YES) Yes
2 (NO) No
ex004 (sexual orientation)
How would you describe your sexual orientation?
1 Homosexual, gay or lesbian
2 Bisexual, pansexual or queer
3 Heterosexual or straight
4 Asexual
5 Some other description
if ex004 = 5 then
ex004_other (other sexual orientation)
Please describe your sexual orientation.
STRING
End of if
ex005 (serving or ever served Armed Services of the United States)
Are you now serving, or have you ever served, in the Armed Services of the United States?
1 Currently serving on active duty
2 Currently serving in the National Guard
3 Veteran
4 Never served
End of if
if current_difficulties = 1 then
if askScreener = 1 then
reward := '9'
Else
reward := '8'
End of if
Else
if askScreener = 1 then
reward := '2'
Else
reward := '1'
End of if
End of if
CS_001 (HOW PLEASANT INTERVIEW)
Could you tell us how interesting or uninteresting you found the questions in this survey?
1 Very interesting
2 Interesting
3 Neither interesting nor uninteresting
4 Uninteresting
5 Very uninteresting
CS_003 (comments)
Do you have any other comments on the survey? Please type these in the box below. (If you have no comments, please click next to complete this survey.)
STRING
dummy := doPayment(541, reward)