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SSI Work Incentives: Make Disability Benefits Work for You!

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1 SSI Work Incentives: Make Disability Benefits Work for You!
Karla Bell, Program Manager CHIIP/SDSU Interwork Institute SSI Work Incentives: Make Disability Benefits Work for You!

2 Getting Started To use the Captioning window:
Click the Window pulldown menu and select Show Closed Captioning A Captioning window will appear at the bottom of your screen You may resize and move this window to meet your viewing needs Asking Questions: The presenter will take your questions at the end of the presentation using the Chat window We will provide links to the CRC quiz and survey at the end of the Webinar If you would like to use closed captioning today Click the Window pulldown menu and select Show Closed Captioning. A Captioning window will appear at the bottom of your screen. You may resize and move this window to meet your viewing needs. We will take your questions at the very end of today’s presentation, so please jot down any questions you have as we go through the presentation. We will open the webinar chat window for questions once the presentation has been completed. Certified Rehabilitation Counselor (CRC) credits will be available for this webinar, to receive CRC credits you will need to complete a survey and a short quiz, and at the end of the webinar we will provide links to the CRC quiz and survey. We will also follow up with an with the links to the CRC quiz and survey, and the archive of this webinar so you can listen to it again.

3 Overview Myths about SSI and Work
Social Security Disability Benefits Overview How earned income affects SSI Ways to maximize SSI benefits Keeping Medi-Cal and IHSS while working Tools and Resources for benefits and employment planning The training will provide you information on the following topics: Myths about SSI and work, overview of the different Social Security Disability benefits, a look at the work incentives available for the SSI program, ways to maximize SSI benefits while working, keeping Medi-Cal and IHSS while working, and some tools, tips, and resources for successful benefits and employment planning.

4 Myths If I go back to work: I’ll lose my cash benefits
I’ll lose my Medi-Cal and IHSS If my disability worsens and I can’t continue to work, I won’t be able to get back on benefits Many people with disabilities get cash disability benefits from Social Security, but most do not realize that getting these benefits can be a bridge to greater independence. Receiving Social Social disability benefits like SSI does not necessarily mean a lifetime of living in poverty, but often myths such as if I go to work I’ll lose my benefits or I won’t be able to get back on benefits prevent people from giving work a try. Many people do not realize that you can work while you receive these benefits. In fact there are lots of work incentive programs that can help you find work, allow you to try working without worrying about losing your benefit payments and you can keep your health care benefits when you go to work. Your disability benefits can be your bridge to employment and building a future. There are many resources online and in the community. One of the first steps to planning for your future is to understand what benefits you receive.

5 Must meet SSA disability criteria
SSI? SSDI? What’s What? Social Security Disability Insurance (SSDI) or Title II Supplemental Security Income (SSI) or Title XVI Must meet SSA disability criteria Insurance Program Needs Based FICA contributions/work history Resource Limits: $2,000 for individual; $3,000 for couple Paid from Title II Trust Fund Paid from tax fund 5 month waiting period No waiting period Monthly payment depends on average lifetime earnings Payment fluctuates with income, state supplements, etc Medicare: 2 year waiting period Medicaid (Medi-Cal): Immediate eligibility Key Point: These 2 programs are different and have different rules about returning work so it’s important to know which program a person is on.

6 2012 California SSI payment rates
2012 California SSI Monthly Payment Rates $ (Individual-own household) $ (Individual-household of another) $ (Individual-no cooking facilities) $ (Blind individual) $ (Blind-household of another) $ (Couple) $ (Blind Couple) Rates effective January 2012 SSI Resource Limit: $2000 (individual) $3000 (couple) The amount of SSI each person receives will depend on where they live, and whether they pay their fair share of food and shelter. Social Security will need to know about your income, which is money your get from anywhere (such as wages from a job or money from a family member) and they will also ask about your resources which are what things you own (such as bank accounts, cash and stocks and bonds). SSI does not count everything you own, for example the home you live in and your car are exempt and do not count as a resource. Some of the 2012 SSI payment rates for California are listed on this slide, please note that SSI payment rates can change year to year. For example, a single person living in their own apartment or a person what lives with their parents or a roommate and pays their fair share of food and shelter will receive an SSI monthly payment of $

7 How do I find out what benefits I receive?
Benefits Planning Query (BPQY) A brief report with details about your SSI and/or SSDI benefits, health coverage and work and earnings history Request from your local Social Security Office Call the Social Security Administration (SSA) at: (voice); (TTY) Learn more about the BPQY on Disability Benefits 101: A Community Work Incentives Coordinator (WIPA projects) will request a BPQY for you as part of benefits counseling

8 SSI Work Incentives Going to work can increase overall income
Your SSI payment amount is adjusted when a person has other sources of income (earnings, SSDI, etc.) Work Incentives allow income to be excluded in order to maximize the SSI amount when a person is returning to work To use most work incentives: Tell Social Security that you have gone to work or Report changes in your earnings Some work incentives require you to ask Social Security to determine if you can use them If you receive SSI, going to work can increase your overall income. Your SSI payment is adjusted when you have other sources of income such as earnings or if you also receive SSDI. There are work incentives that can be used that allow income to be excluded in order to maximize the SSI amount when a person is returning to work. To use most work incentives, you just need to tell Social Security that you have gone to work and report changes in your earnings. It is best to report in person at the local Social Security office or in writing. Some work incentives I will talk about today do require that you ask Social Security to determine if you can use them, such as Impairment Related Work Expenses, Blind Work Expenses, Student Earned Income Exclusion and Plan to Achieve Self-Support.

9 How Earnings Affect SSI Payments
Social Security counts less than half of your earned income Social Security uses gross earnings (before taxes) to decide how much to subtract from SSI check The first $85 of earnings is not counted ($20 General Income Exclusion and $65 Earned Income Exclusion) After subtracting these amounts from gross earnings, Social Security divides the remaining earnings by two The remainder, called “countable income”, is then subtracted from the amount of the original SSI check The amount left over is the person’s adjusted SSI payment Social Security counts less than half of your earned income, so it is not a dollar for dollar reduction to your SSI payment when you have earnings from work. Social Security uses gross earnings to decide how much to subtract from the SSI check. The first $85 of earnings are not counted because of the $20 General Income exclusion and $65 Earned Income Exclusion. After subtracting these amounts from gross earnings, Social Security divides the remaining earnings by two. The remainder, called countable income, is then subtracted from the amount of the original SSI check. Just a note about the $20 General Income exclusion, it is first applied first to any unearned income a person has such as Social Security Disability Insurance (SSDI). Let’s take a look at an example of the steps used to adjust an SSI payment when a person who receives SSI only goes to work.

10 How Amount of Adjusted SSI Check is calculated:
Step One: $885.00 Gross Monthly Earnings from Work -$20.00 General Income Exclusion -$65.00 Earned Income Exclusion ÷2 =$400.00 Countable Earned Income Step Two: $854.40 SSI Payment (California 2012 rate) -$400.00 =$454.40 Adjusted SSI Payment While Working

11 Compared to $854.40/month without income from work
Available Income $885.00 Gross Monthly Earnings from Work +$454.40 Adjusted SSI Payment =$ Total Spendable Monthly Income Compared to $854.40/month without income from work

12 Using Work Incentives to Maximize Benefits
Impairment Related Work Expenses (IRWEs) Blind Work Expenses (BWEs) Student Earned Income Exclusion (SEIE) Plan to Achieve Self-Support (PASS) Now we are going to take a look at some work incentives that can be used to maximize your SSI benefits while you are working-IRWE, BWE, SEIE and PASS. These work incentives allow a person to subtract certain work-related expenses form their income in order to maintain SSI eligibility and/or reduce the amount of money taken out of their benefit check.

13 Impairment Related Work Expenses (IRWE)
Documented expenses for services or items that are related to one's disability, needed in order to work and are paid out of pocket and not reimbursed The cost may be pro-rated over a 12-month period for nonrecurring expenses Examples: Personal assistance services Assistive Technology Prescription drug co-payments Costs related to service animals Supplements or expendable medical supplies No fixed list-negotiate IRWEs with Social Security Social Security deducts IRWE when they figure SSI payment amounts when: Item or service enables you to work Need item/service because of disabling impairment You paid the cost and are not reimbursed The cost is reasonable You paid the expense in a month that you received earned income or performed work while you used the impairment related item or service The cost may be pro-rated over a 12-month period for nonrecurring expenses Medical Devices: wheelchairs, dialysis equipment, respirators, pacemakers, traction equipment, braces Medical Services: blood level monitoring, radiation therapy, chemotherapy, physician’s fee Appliances/Devices: electric air cleaner for severe respiratory disease Expendable medical supplies: incontinence pads, elastic stockings, catheters Diagnostic Procedures: brain scans, electroencephalograms-related to control, treatment or evaluation of your disabling condition Service Animal: food, licenses, vet services

14 Example: IRWE and SSI Jack is 24 years old and lives in his own apartment He receives $854.40/month from SSI He begins a new job that pays him $1000 in gross monthly earnings He has a physical disability and he cannot use available public transportation and cannot drive himself He pays a driver to transport him to his job He also pays out of pocket for medical supplies and supplements These services and items cost him $300/month and qualify as IRWEs Let’s see how Jack can reduce the impact of his earnings on his countable income by deducting IRWEs from his gross monthly wages

15 How Jack’s Adjusted SSI Check is calculated:
Step One: $ Gross Monthly Earnings from Work -$85.00 General & Earned Income Exclusions -$300.00 IRWEs -$615.00 Remaining Earnings Step Two: $615.00 ÷2 =$307.50 Countable Earned Income Without the $300 IRWE, Jack’s countable earned income would have been $457.50, so by deducting the $300 IRWE from his gross earnings, it helps to reduce the impact of his earnings on his countable income.

16 How Jack’s Adjusted SSI Check is calculated:
Step Three: $854.40 SSI Payment (California 2012 rate) -$307.50 Countable Earned Income =$546.90 Adjusted SSI Payment While Working Step Four: $546.90 Adjusted SSI Payment Work Earnings -$300.00 IRWE =$ Total Available Income

17 Blind Work Expenses (BWE)
For SSI beneficiaries whose primary diagnosis is blindness Allows the exclusion of any work related items that are paid out of pocket and not reimbursed BWEs do not need to be related to blindness or any impairment Examples: Service animal expenses, fees, State, Federal & local taxes, visual & sensory aids, driver services, transportation to and from work, childcare, meals consumed at work, union dues, uniforms, reader services, vehicle modification, mandatory pension contributions, training to use an impairment-related item, translation of materials into Braille

18 Example: BWE and SSI Jill is 30 years old, blind and lives in her own apartment She receives $909.40/month from SSI She begins a new job that pays her $1800 in gross monthly earnings She can deduct the cost of transportation to work regardless of whether her blindness required any specialized arrangement Costs related to blindness are also included so she can deduct expenses for adaptive computer software or service dog expenses She also can deduct income taxes, union dues and meals at work Her expenses cost her $500/month and qualify as BWEs

19 How Jill’s Adjusted SSI Check is calculated:
Step One: $ Gross Monthly Earnings from Work -$85.00 General & Earned Income Exclusions ÷2 $857.50 Remaining Earnings Step Two: -$500.00 BWE =$357.50 Countable Earned Income Without the $500 BWE, Jill’s countable earned income would have been $857.50, so by deducting the $500 BWE from her gross earnings, it helps to reduce the impact of her earnings on her countable income. Because the BWE is subtracted later in the calculation steps than IRWE is, Jill gets a higher SSI amount using BWE than she would if these deductions were applied as an IRWE.

20 How Jill’s Adjusted SSI Check is calculated:
Step Three: $909.40 SSI Payment (California 2012 rate) -$357.50 Countable Earned Income =$551.90 Adjusted SSI Payment While Working Step Four: $551.90 Adjusted SSI Payment Work Earnings -$500.00 BWE =$ Total Available Income

21 IRWE & BWE All Blind and Impairment Related Work Expenses must be verified by your local Social Security field office Provide them with original receipts or canceled checks of the expenses Social Security will determine if the expense may be deducted Request in writing in order to use appeal rights (if necessary)

22 Student Earned Income Exclusion (SEIE)
SEIE allows young people who are in school to test their ability to work without any reduction in their SSI check For SSI recipients under the age of 22 and regularly attending school, college or training to prepare for a paying job Social Security can exclude up to $1640 of earned income per month from the student’s countable earnings when calculating their SSI payment 2012 monthly exclusion will be $1,700/month Maximum yearly exclusion: $6600 in 2011 $6840 in 2012

23 Student Earned Income Exclusion (SEIE)
“Regularly attending school” means taking one or more courses of study and attending classes: In college or university for at least 8 hours a week In grades 7-12 for at least 12 hours a week In a training course to prepare for employment for at least 12 hours a week (15 hours a week if the course involves shop practice) May be approved for less time if it is due to a reason beyond student’s control, such as illness

24 Student Earned Income Exclusion (SEIE)
School enrollment can be verified with an ID Card, tuition receipt, or other evidence Social Security can contact the school to verify attendance It is recommended that student status is clearly indicated in writing when notifying Social Security of employment SEIE should be applied automatically when earnings and student status are reported

25 Example: SEIE and SSI Lola is 20-years old and she lives with her parents Starting in January 2012, she will be a full time student at her local community college Because she still lives at home and is not paying rent, she receives a monthly SSI check of $625.17 Starting in April of 2012, she will be working ten hours a week at the rate of $15/hour as a peer mentor at her local independent living center Her gross monthly income from work is $645.00 Because she is a student, she can use the SEIE, which allows her to exclude her earnings up to $1700 per month (up to a total of $6840 per year) from her countable income for SSI

26 Example – SEIE and SSI Calculation:
Step One: $645.00 Gross Monthly Earnings from Work -$645.00 SEIE $0.00 Total Countable Earnings Step Two: $625.17 SSI Payment (California 2012 rate) -$0.00 Countable Earnings Adjusted SSI Payment Step Three: +$645.00 Work Earnings =$ Total Income

27 SEIE Yearly Exclusion Maximum yearly exclusion is $6840 in 2012
If Lola earns $645.00/month, and works 9 months (April-December) she could exclude the entire $ total earnings Can remain in effect even when you are on summer break as long as you resume school when school reopens

28 Plan to Achieve Self-Support (PASS)
A written plan that allows recipients of SSI to set aside income and/or resources for a specified period of time to be used to achieve a chosen occupational goal SSI recipients are eligible PASS may allow SSI eligibility for SSDI beneficiaries A way that SSA assists people with disabilities in their own efforts to join or re-enter the workforce Examples of PASS expenses: training, transportation, equipment and tools, child care, assistive technology, job coach, business start up funds, vehicle modifications, professional attire PASS application Must be in writing State an occupational goal Outline all the necessary steps Have a reasonable time line (“reasonable” time line is generally about 18 months or so. Of course, some plans take longer, so what is determined to be reasonable is largely up to the specialists in considering the individual, the work goal, etc.) Detail expenses that are necessary to achieve work goal-costs must be reasonable Clarify terms: in PASS regulations, Occupational goal or work goal, this is the same as the vocational goal for DOR. For SSDI beneficiaries, SSI eligibility by utilizing a PASS also results in SSI-linked Medicaid from the when eligibility is established Emphasize that PASS is a contract or agreement between the applicant and SSA, so funds must be spent accordingly to avoid an overpayment status. Examples of unallowable PASS expenses: food and rent—that’s what the SSI payment is for. Also, entertainment, things not related to work goal, etc.

29 Plan to Achieve Self-Support (PASS)
You must have some form of countable income and/or resources to set aside in the PASS Funds set aside in a PASS are not counted as income when determining SSI payment Funds set aside don’t count toward SSI resource limits A PASS is intended to encourage SSI recipients to eventually become self-supporting (i.e. occupational goal will lead to a significant reduction in SSI) To learn more watch our archived PASS webinar: An occupational goal must be expected to generate at least enough earnings to decrease reliance on benefits and increase self-sufficiency

30 Example: PASS and SSI Keiko receives $854.40/month in SSI
She is earning $550.00/month working part-time at a local coffee house She attends college full-time and she has been using the Student Earned Income Exclusion, but she is turning 22 next month Her goal is to become a licensed practical nurse which includes state certification testing She has been saving money to buy a car and she has almost $1,800 in her savings account, but she knows that she cannot save much more without losing her SSI She would like to write a PASS for: School and employment expenses To buy a used car since there is no public transportation available to or from any local hospitals or nursing homes

31 Example—SSI and PASS Calculation:
$550.00 Gross Monthly Earnings from Work -$85.00 General & Earned Income Exclusions $465.00 Remaining Earnings ÷2 $232.50 Countable Earned Income -$232.50 Contributed to PASS $0.00 Adjusted Countable Income

32 Example—SSI and PASS Calculation:
$854.40 SSI Payment (California 2012 rate) -$0.00 Countable Income =$854.40 Adjusted SSI Payment Available Income +$550.00 Earnings from Work -$232.50 Contributed towards PASS $1,171.90 Total Available Income

33 Benefits of a PASS Plan Often notice no difference in available income with or without a PASS (depending on amount set aside) Ownership of items purchased Personal investment in employment goals Ability to supplement services from other agencies; cover costs that other agencies cannot Viable option for self-employment goals Offers alternative or supplement to traditional Department of Rehabilitation services Allows for self-directed employment plan

34 Keeping Medi-Cal and IHSS While Working
Section 1619(b) Medi-Cal Working Disabled Program

35 SSI and Medi-Cal: 1619(b) 1619(b) is a work incentive that allows working SSI recipients to keep FREE Medi-Cal (No Share-of-Cost) Medi-Cal retained when SSI payment is reduced to $0.00 per month due to earned income Free Medi-Cal coverage continues until earnings reach a threshold amount: $36, (non-blind) $37, (blind) These are 2012 amounts for California People with high medical costs or publicly funded attendants (i.e. IHSS) can earn even more (Individualized Threshold) Benefits can start again if you stop working or your earnings decrease (Reinstatement) b Threshold Amounts -- $35,023 (non-blind) $35,716 (blind) Many people mistakenly believe if their SSI check stops due to wages their Medi-Cal stops. SSI has a program that allows working SSI recipients to keep their free Medi-Cal coverage even if they have reached the point where they are earning too much money to continue to get SSI cash benefits. This work incentive is called 1619(b). Under 1619b Medi-Cal coverage continues until a person’s annual earnings reach $36,423 for a disabled person or $37,743 for a person who is blind. These amounts are called the “threshold amount”. The threshold amounts are different in every state and the amounts change every year. Also, people with high medical costs can earn even more, this is called an individualized threshold which I will explain in more detail in a bit. 1619(b) also allows for Reinstatement, so your SSI benefits can start again if you stop working or your earnings decrease. Let’s take a look at the qualifications for 1619(b).

36 1619(b) Qualifications To qualify:
Have been eligible for an SSI cash payment for at least 1 month; Would be eligible for cash payment except for earnings; Still be disabled or blind; Still meet all other eligibility rules, including the resources test; Need Medi-Cal in order to work; Have gross earned income that is insufficient to replace SSI, Medi-Cal, and any publicly funded attendant care (IHSS) If you have In Home Supportive Services (IHSS), it will also continue if you are in 1619b status.

37 1619(b): Individualized Threshold
Individualized Threshold: threshold can be adjusted on a case-by-case basis Higher Individualized Threshold if: Blind Work Expenses (BWE) Impairment Related Work Expenses (IRWE) Plan to Achieve Self-Support (PASS Plan) Publicly Funded Personal Attendant (i.e. In-Home Supportive Services) Medical Expenses above State Average Social Security’s Programs Operation Manual reference: SI Individualized Threshold Calculation https://secure.ssa.gov/apps10/poms.nsf/lnx/ Area Work Incentives Coordinators If your earnings go above the CA Threshold there may be a way for you to have a higher individualized threshold. You can work with an SSI Claims Representative at your SSA office to have this calculated. Some indicators that you might qualify for a higher individualized earnings threshold include-Blind Work Expenses, IRWEs, or a PASS plan. The cost of a publicly funded personal attendant will also be considered when calculating an individualized threshold, such as In Home Supportive Services, which is personal care assistance in the home or workplace that helps with things such as meals, personal care, transportation and cleaning. Also if you have high medical expenses that are above the state average, these are included in the calculation. I know an individual who has an individualized threshold between $50,000-$60,000. So it can be a great deal higher and well worth your requesting that it is calculated by your SSI Claims Representative if you earnings exceed the 1619b CA threshold amount of $36,000. We have also included the Social Security Programs Operation Manual reference for the Individualized Threshold Calculation, if your Social Security Claims Representative is not familiar with this it can be helpful to share the POMS reference with them. Individualized Threshold Calculations are not done very often by Claims Representatives so you may need to also work with an Area Work Incentives Coordinator to facilitate things. The Area Work Incentives Coordinator is a regional SSA work incentives expert that trains and assists local office staff with complex work incentives issues.

38 Medi-Cal Working Disabled Program
The Medi-Cal Working Disabled Program allows individuals to earn up to $55,476/year and keep their Medi-Cal! Eligible couples can earn up to $74,580/year Even higher wages are allowed with IRWEs Affordable monthly premiums to access Medi-Cal and IHSS without a share-of-cost $20-$250 for individuals $30-$375 for couples IRS approved Retirement Plans allowed and not counted towards asset limit Save your earned income in a separate identifiable account with no cap As I mentioned in the previous slides on 1619b, the threshold for that program if $36,000, but if you have a job that pays well and you don’t qualify for an individualized threshold the Medi-Cal Working Disabled program is a good option to keep your Medi-Cal and IHSS while working if your earnings go over the SSI 1619b threshold. There are also great opportunities for asset building with this program. You can have an IRS approved retirement plan such as an IRA, 401K or 403B and it will not be counted towards the $2000 asset limit. Also, you can now save your earned income is a separate identifiable account with no cap or limit-so you can also save your earnings for things you need, such as medical expenses or to buy a car, and it will not affect the asset limit.

39 Getting Back on Benefits
1619(b) - SSI cash benefits can start again if you stop working or your earnings decrease (Reinstatement) Expedited Reinstatement (EXR): 5 year period after SSI benefits and payments stop due to work and earnings If a beneficiary stops working their benefits can be reinstated without having to file a new application Up to 6 months provisional benefits payable during EXR decision making process Medical decision needed If your SSI cash benefits ended because of work and you are using the 1619(b) work incentive to maintain Medi-Cal, you can start your SSI cash benefits again at any time without a new application if you stop working or your earnings decrease. Just a heads it, it may take a couple months for your cash benefits to be reinstated. Another safety net is the work incentive called Expedited Reinstatement. If your SSI benefits and payments ended because of your work and earnings and you stop working within five years of when your benefits ended, your benefits may be able to restart again without a new application. You can receive up to 6 months of provisional benefits while Social Security does a medical review to decide if your benefits can be reinstated. You may also be eligible for Medi-Cal during the provisional benefit period.

40 Benefits Planning Tools, Skills and Resources for Results
The Benefits Binder: your notebook and log of phone calls, office visits, and names of service staff you contact. File original paycheck stubs, government letters and receipts here. Reporting Requirements: Who is responsible, when? If you have a payee, the payee is responsible to report changes to Social Security. If not, it’s the beneficiary. Report income and other life changes timely Know your appeal rights. A Notice of Action explains them. Utilize Benefits Planning Tools and Resources: Disability Benefits 101 website (www.db101.org), and local benefits planners. These tools, rules and skills can result in timely and improved customer service with benefit programs Here are some tools, tips, skills and resources to help you be successful as you take your first steps towards work and benefits planning. These include the benefits binder, knowing the reporting requirements for your benefits, knowing your appeal rights and utilizing tools and resources. The Benefits Binder is a great tool to help you organize and keep all your important papers and contacts with Social Security and other agencies in one place. Keep a binder with: All of your letters from SSA and Medi-Cal, all pay stubs, letters sent to SSA, receipts from work incentives you are claiming, letters from SSA and other government agencies. Also include a notebook that you can use to log all of your phone calls and office visits and the names of the staff you contacted or talked to. When you receive disability benefits, you are required to report any changes such as changes in your income, resources, or other life changes to Social Security in timely manner. If you have a representative payee, the payee is responsible to report changes to Social Security. It is best to report in person or with a letter. Be sure to get a receipt from the Social Security office when you report. Be sure to also report any changes in income to other programs such as IHSS and Section 8. If you receive a letter from Social Security or another agency with a decision you don’t agree with, you always have the right to appeal. The Notice of Action letter you received will explain your appeal rights. You do not have to do this alone, there are online and community based Benefits Planning Tools and Resources available to you at no cost. Use the Disability Benefits 101 website to find a local benefits planner who can explain the work incentives to you in more detail. The Disability Benefits 101 website (DB101) will help you learn how earned income may impact your benefits so you can make informed choices, reduce fears, and make work a core part of your lives. The DB 101 Website includes detailed descriptions of health care and disability benefit programs like SSDI, SSI, Medi-Cal and Medicare. The DB101 website also includes Calculators to help you better understand how life changes can affect your finances, health care coverage, and disability benefits. For example you can use the Benefits and Work Calculator to find out how a job may affect your total income and your health care coverage.

41 Resources Disability Benefits 101 www.disabilitybenefits101.org
SSA Red Book-Guide to Work Incentives Work Incentives Planning and Assistance (WIPA) Projects Free benefits counseling by Community Work Incentives Coordinators (CWIC) For SSI, and SSDI recipients ages 18-64 https://secure.ssa.gov/apps10/oesp/providers.nsf/bystate

42 Resources Area Work Incentives Coordinators (AWIC)
Social Security’s work incentives experts Help SSI and SSDI beneficiaries who are having trouble getting accurate information and application of work incentives at local SSA offices Disability Rights California Protection and Advocacy for Beneficiaries of Social Security (PABSS) Assistance with appeals, overpayments, problems with Employment Networks, workplace discrimination TTY

43 Resources Plan to Achieve Self-Support Find your PASS Cadre: PASS Plan form: The Work Site

44 www.talentknowsnolimits.info www.tknlyouth.org
Questions You are welcome to contact Karla Bell at:

45 Question and Answer The webinar Chat window is now open for your questions Type your question into the text entry area below the Chat window Click enter or return on your keyboard to submit your question

46 Survey and CRC Credits Please give us feedback on today’s webinar by completing our survey: Certified Rehabilitation Counseling (CRC) Credits are available for this webinar: To receive CRC credits please complete this short quiz and survey: 2/webinar.html We will also follow up with an with links to the CRC quiz, survey and archive of the webinar so you can listen to it again Webinar Archive:


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