Presentation on theme: "SSI Work Incentives: Make Disability Benefits Work for You!"— Presentation transcript:
1SSI Work Incentives: Make Disability Benefits Work for You! Karla Bell, Program ManagerCHIIP/SDSU Interwork InstituteSSI Work Incentives: Make Disability Benefits Work for You!
2Getting Started To use the Captioning window: Click the Window pulldown menu and select Show Closed CaptioningA Captioning window will appear at the bottom of your screenYou may resize and move this window to meet your viewing needsAsking Questions:The presenter will take your questions at the end of the presentation using the Chat windowWe will provide links to the CRC quiz and survey at the end of the WebinarIf you would like to use closed captioning todayClick 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.
3Overview Myths about SSI and Work Social Security Disability Benefits OverviewHow earned income affects SSIWays to maximize SSI benefitsKeeping Medi-Cal and IHSS while workingTools and Resources for benefits and employment planningThe 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.
4Myths If I go back to work: I’ll lose my cash benefits I’ll lose my Medi-Cal and IHSSIf my disability worsens and I can’t continue to work, I won’t be able to get back on benefitsMany 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.
5Must meet SSA disability criteria SSI? SSDI? What’s What?Social Security Disability Insurance (SSDI) or Title IISupplemental Security Income (SSI) or Title XVIMust meet SSA disability criteriaInsurance ProgramNeeds BasedFICA contributions/work historyResource Limits: $2,000 for individual; $3,000 for couplePaid from Title II Trust FundPaid from tax fund5 month waiting periodNo waiting periodMonthly payment depends on average lifetime earningsPayment fluctuates with income, state supplements, etcMedicare: 2 year waiting periodMedicaid (Medi-Cal): Immediate eligibilityKey Point: These 2 programs are different and have different rules about returning work so it’s important to know which program a person is on.
62012 California SSI payment rates 2012 California SSI Monthly Payment Rates$ (Individual-own household)$ (Individual-household of another)$ (Individual-no cooking facilities)$ (Blind individual)$ (Blind-household of another)$ (Couple)$ (Blind Couple)Rates effective January 2012SSI 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 $
7How 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 historyRequest from your local Social Security OfficeCall 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
8SSI 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 workTo use most work incentives:Tell Social Security that you have gone to work orReport changes in your earningsSome work incentives require you to ask Social Security to determine if you can use themIf 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.
9How Earnings Affect SSI Payments Social Security counts less than half of your earned incomeSocial Security uses gross earnings (before taxes) to decide how much to subtract from SSI checkThe 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 twoThe remainder, called “countable income”, is then subtracted from the amount of the original SSI checkThe amount left over is the person’s adjusted SSI paymentSocial 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.
10How Amount of Adjusted SSI Check is calculated: Step One:$885.00Gross Monthly Earnings from Work-$20.00General Income Exclusion-$65.00Earned Income Exclusion÷2=$400.00Countable Earned IncomeStep Two:$854.40SSI Payment (California 2012 rate)-$400.00=$454.40Adjusted SSI Payment While Working
11Compared to $854.40/month without income from work Available Income$885.00Gross Monthly Earnings from Work+$454.40Adjusted SSI Payment=$Total Spendable Monthly IncomeCompared to $854.40/month without income from work
12Using 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.
13Impairment 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 reimbursedThe cost may be pro-rated over a 12-month period for nonrecurring expensesExamples:Personal assistance servicesAssistive TechnologyPrescription drug co-paymentsCosts related to service animalsSupplements or expendable medical suppliesNo fixed list-negotiate IRWEs with Social SecuritySocial Security deducts IRWE when they figure SSI payment amounts when:Item or service enables you to workNeed item/service because of disabling impairmentYou paid the cost and are not reimbursedThe cost is reasonableYou paid the expense in a month that you received earned income or performed work while you used the impairment related item or serviceThe cost may be pro-rated over a 12-month period for nonrecurring expensesMedical Devices: wheelchairs, dialysis equipment, respirators, pacemakers, traction equipment, bracesMedical Services: blood level monitoring, radiation therapy, chemotherapy, physician’s feeAppliances/Devices: electric air cleaner for severe respiratory diseaseExpendable medical supplies: incontinence pads, elastic stockings, cathetersDiagnostic Procedures: brain scans, electroencephalograms-related to control, treatment or evaluation of your disabling conditionService Animal: food, licenses, vet services
14Example: IRWE and SSIJack is 24 years old and lives in his own apartmentHe receives $854.40/month from SSIHe begins a new job that pays him $1000 in gross monthly earningsHe has a physical disability and he cannot use available public transportation and cannot drive himselfHe pays a driver to transport him to his jobHe also pays out of pocket for medical supplies and supplementsThese services and items cost him $300/month and qualify as IRWEsLet’s see how Jack can reduce the impact of his earnings on his countable income by deducting IRWEs from his gross monthly wages
15How Jack’s Adjusted SSI Check is calculated: Step One:$Gross Monthly Earnings from Work-$85.00General & Earned Income Exclusions-$300.00IRWEs-$615.00Remaining EarningsStep Two:$615.00÷2=$307.50Countable Earned IncomeWithout 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.
16How Jack’s Adjusted SSI Check is calculated: Step Three:$854.40SSI Payment (California 2012 rate)-$307.50Countable Earned Income=$546.90Adjusted SSI Payment While WorkingStep Four:$546.90Adjusted SSI PaymentWork Earnings-$300.00IRWE=$Total Available Income
17Blind Work Expenses (BWE) For SSI beneficiaries whose primary diagnosis is blindnessAllows the exclusion of any work related items that are paid out of pocket and not reimbursedBWEs do not need to be related to blindness or any impairmentExamples: 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
18Example: BWE and SSIJill is 30 years old, blind and lives in her own apartmentShe receives $909.40/month from SSIShe begins a new job that pays her $1800 in gross monthly earningsShe can deduct the cost of transportation to work regardless of whether her blindness required any specialized arrangementCosts related to blindness are also included so she can deduct expenses for adaptive computer software or service dog expensesShe also can deduct income taxes, union dues and meals at workHer expenses cost her $500/month and qualify as BWEs
19How Jill’s Adjusted SSI Check is calculated: Step One:$Gross Monthly Earnings from Work-$85.00General & Earned Income Exclusions÷2$857.50Remaining EarningsStep Two:-$500.00BWE=$357.50Countable Earned IncomeWithout 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.
20How Jill’s Adjusted SSI Check is calculated: Step Three:$909.40SSI Payment (California 2012 rate)-$357.50Countable Earned Income=$551.90Adjusted SSI Payment While WorkingStep Four:$551.90Adjusted SSI PaymentWork Earnings-$500.00BWE=$Total Available Income
21IRWE & BWEAll Blind and Impairment Related Work Expenses must be verified by your local Social Security field officeProvide them with original receipts or canceled checks of the expensesSocial Security will determine if the expense may be deductedRequest in writing in order to use appeal rights (if necessary)
22Student Earned Income Exclusion (SEIE) SEIE allows young people who are in school to test their ability to work without any reduction in their SSI checkFor SSI recipients under the age of 22 and regularly attending school, college or training to prepare for a paying jobSocial Security can exclude up to $1640 of earned income per month from the student’s countable earnings when calculating their SSI payment2012 monthly exclusion will be $1,700/monthMaximum yearly exclusion:$6600 in 2011$6840 in 2012
23Student 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 weekIn grades 7-12 for at least 12 hours a weekIn 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
24Student Earned Income Exclusion (SEIE) School enrollment can be verified with an ID Card, tuition receipt, or other evidenceSocial Security can contact the school to verify attendanceIt is recommended that student status is clearly indicated in writing when notifying Social Security of employmentSEIE should be applied automatically when earnings and student status are reported
25Example: SEIE and SSILola is 20-years old and she lives with her parentsStarting in January 2012, she will be a full time student at her local community collegeBecause she still lives at home and is not paying rent, she receives a monthly SSI check of $625.17Starting 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 centerHer gross monthly income from work is $645.00Because 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
26Example – SEIE and SSI Calculation: Step One:$645.00Gross Monthly Earnings from Work-$645.00SEIE$0.00Total Countable EarningsStep Two:$625.17SSI Payment (California 2012 rate)-$0.00Countable EarningsAdjusted SSI PaymentStep Three:+$645.00Work Earnings=$Total Income
27SEIE 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 earningsCan remain in effect even when you are on summer break as long as you resume school when school reopens
28Plan 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 goalSSI recipients are eligiblePASS may allow SSI eligibility for SSDI beneficiariesA way that SSA assists people with disabilities in their own efforts to join or re-enter the workforceExamples of PASS expenses: training, transportation, equipment and tools, child care, assistive technology, job coach, business start up funds, vehicle modifications, professional attirePASS applicationMust be in writingState an occupational goalOutline all the necessary stepsHave 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 reasonableClarify 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 establishedEmphasize 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.
29Plan to Achieve Self-Support (PASS) You must have some form of countable income and/or resources to set aside in the PASSFunds set aside in a PASS are not counted as income when determining SSI paymentFunds set aside don’t count toward SSI resource limitsA 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
30Example: PASS and SSI Keiko receives $854.40/month in SSI She is earning $550.00/month working part-time at a local coffee houseShe attends college full-time and she has been using the Student Earned Income Exclusion, but she is turning 22 next monthHer goal is to become a licensed practical nurse which includes state certification testingShe 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 SSIShe would like to write a PASS for:School and employment expensesTo buy a used car since there is no public transportation available to or from any local hospitals or nursing homes
31Example—SSI and PASS Calculation: $550.00Gross Monthly Earnings from Work-$85.00General & Earned Income Exclusions$465.00Remaining Earnings÷2$232.50Countable Earned Income-$232.50Contributed to PASS$0.00Adjusted Countable Income
32Example—SSI and PASS Calculation: $854.40SSI Payment (California 2012 rate)-$0.00Countable Income=$854.40Adjusted SSI PaymentAvailable Income+$550.00Earnings from Work-$232.50Contributed towards PASS$1,171.90Total Available Income
33Benefits of a PASS PlanOften notice no difference in available income with or without a PASS (depending on amount set aside)Ownership of items purchasedPersonal investment in employment goalsAbility to supplement services from other agencies; cover costs that other agencies cannotViable option for self-employment goalsOffers alternative or supplement to traditional Department of Rehabilitation servicesAllows for self-directed employment plan
34Keeping Medi-Cal and IHSS While Working Section 1619(b)Medi-Cal Working Disabled Program
35SSI 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 incomeFree Medi-Cal coverage continues until earnings reach a threshold amount:$36, (non-blind)$37, (blind)These are 2012 amounts for CaliforniaPeople 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).
361619(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.
371619(b): Individualized Threshold Individualized Threshold: threshold can be adjusted on a case-by-case basisHigher 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 AverageSocial Security’s Programs Operation Manual reference:SI Individualized Threshold Calculationhttps://secure.ssa.gov/apps10/poms.nsf/lnx/Area Work Incentives CoordinatorsIf 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.
38Medi-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/yearEven higher wages are allowed with IRWEsAffordable monthly premiums to access Medi-Cal and IHSS without a share-of-cost$20-$250 for individuals$30-$375 for couplesIRS approved Retirement Plans allowed and not counted towards asset limitSave your earned income in a separate identifiable account with no capAs 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.
39Getting 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 earningsIf a beneficiary stops working their benefits can be reinstated without having to file a new applicationUp to 6 months provisional benefits payable during EXR decision making processMedical decision neededIf 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.
40Benefits 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 timelyKnow 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 programsHere 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.
41Resources Disability Benefits 101 www.disabilitybenefits101.org SSA Red Book-Guide to Work IncentivesWork Incentives Planning and Assistance (WIPA) ProjectsFree benefits counseling by Community Work Incentives Coordinators (CWIC)For SSI, and SSDI recipients ages 18-64https://secure.ssa.gov/apps10/oesp/providers.nsf/bystate
42Resources Area Work Incentives Coordinators (AWIC) Social Security’s work incentives expertsHelp SSI and SSDI beneficiaries who are having trouble getting accurate information and application of work incentives at local SSA officesDisability Rights CaliforniaProtection and Advocacy for Beneficiaries of Social Security (PABSS)Assistance with appeals, overpayments, problems with Employment Networks, workplace discriminationTTY
43ResourcesPlan to Achieve Self-Support Find your PASS Cadre: PASS Plan form: The Work Site
44www.talentknowsnolimits.info www.tknlyouth.org QuestionsYou are welcome to contactKarla Bell at:
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