<P> Prior to the Great Depression, the following economic problems were considered great hazards to working - class Americans: </P> <Ul> <Li> The U.S. had no federal - government - mandated retirement savings; consequently, for many workers (those who could not afford both to save for retirement and to pay for living expenses), the end of their work careers was the end of all income . </Li> <Li> Similarly, the U.S. had no federal - government - mandated disability income insurance to provide for citizens disabled by injuries (of any kind--work - related or non-work - related); consequently, for most people, a disabling injury meant no more income if they had not saved enough money to prepare for such an event (since most people have little to no income except earned income from work). </Li> <Li> In addition, there was no federal - government - mandated disability income insurance to provide for people unable to ever work during their lives, such as anyone born with severe mental retardation . </Li> <Li> Finally, the U.S. had no federal - government - mandated health insurance for the elderly; consequently, for many workers (those who could not afford both to save for retirement and to pay for living expenses), the end of their work careers was the end of their ability to pay for medical care . </Li> </Ul> <Li> The U.S. had no federal - government - mandated retirement savings; consequently, for many workers (those who could not afford both to save for retirement and to pay for living expenses), the end of their work careers was the end of all income . </Li> <Li> Similarly, the U.S. had no federal - government - mandated disability income insurance to provide for citizens disabled by injuries (of any kind--work - related or non-work - related); consequently, for most people, a disabling injury meant no more income if they had not saved enough money to prepare for such an event (since most people have little to no income except earned income from work). </Li>

When was the first tax return form created in the united states