SOCIAL SECURITY Work Incentives
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SOCIAL SECURITYSOCIAL SECURITY
Work IncentivesWork Incentives
SSI SSI Supplemental Security Income
Disability
SSDISSDISocial Security
Disability 1. Based on Need
2. Must have limited income ($694) & limited resources ($2000)
3. Maximum payment is $674 a month
4. Medicaid
5. Paid on the 1st day of the month
1. Based on Work
2. Must be Insured (FICA based on your earnings (or those of your spouse or parents) $1120=1 Qtr
3. Payment amount based on earnings
4. Medicare after 24 months
5. Paid on the 3rd of the month; or the 2nd, 3rd, or 4th Wednesday
Applying for Disabilitywww.SSA.GOV
Applying for Disabilitywww.SSA.GOV
To apply for ‘SSI’ call 800-772-1213 for an appointment.
Statutory Blindness Statutory Blindness
Central Visual acuity of 20/200 or less in the better eye with the use of a correcting lens.
Limitation in the Field of vision in the better eye, such that the widest diameter of the visual field subtends an angle no greater than 20 degrees.
Central Visual acuity of 20/200 or less in the better eye with the use of a correcting lens.
Limitation in the Field of vision in the better eye, such that the widest diameter of the visual field subtends an angle no greater than 20 degrees.
Letter options(effective 4/15/10)
Letter options(effective 4/15/10)
Standard print notice by first class or certified mail;
Standard print notice by first class mail and a follow-up telephone call to read the notice within five business days of the date of the notice;
Standard print notice and Braille by first class mail; or
Standard print notice and a compact disc (CD) in Microsoft Word format by first class mail.
Standard print notice by first class or certified mail;
Standard print notice by first class mail and a follow-up telephone call to read the notice within five business days of the date of the notice;
Standard print notice and Braille by first class mail; or
Standard print notice and a compact disc (CD) in Microsoft Word format by first class mail.
SSDI Work IncentivesSSDI Work Incentives
What happens if I go to work?What happens if I go to work?
A 9-month Trial Work Period allows you to work and receive benefits no matter how high your monthly earnings may be. These months do
not have to be consecutive, but do have to fall in a 5 year (60 month) period.
A 9-month Trial Work Period allows you to work and receive benefits no matter how high your monthly earnings may be. These months do
not have to be consecutive, but do have to fall in a 5 year (60 month) period.
What happens if I continue to work after I complete my 9 month Trial Work Period?What happens if I continue to work after I complete my 9 month Trial Work Period?
− During the 3 years (36 months) following your Trial Work Period - benefits are paid for any month your earnings are ‘not’ substantial.
− In 2011 gross earnings of more than $1000 ($1640 if you are blind) are considered substantial.
− At the end of the 3 year (36 month) period there is an additional 5 years during which benefits can be reinstated if work stops and there is no medical improvement. (Expedited Reinstatement)
− During the 3 years (36 months) following your Trial Work Period - benefits are paid for any month your earnings are ‘not’ substantial.
− In 2011 gross earnings of more than $1000 ($1640 if you are blind) are considered substantial.
− At the end of the 3 year (36 month) period there is an additional 5 years during which benefits can be reinstated if work stops and there is no medical improvement. (Expedited Reinstatement)
What happens to Medicare if SSDI benefits stop?
What happens to Medicare if SSDI benefits stop?
Continues for at least 93 months (apx 7 ½ years) after the 9 month Trial Work Period
After the 93 month period you may be able to purchase Medicare coverage
You may be eligible for You may be eligible for Medicaid Buy-In from your Medicaid Buy-In from your StateState
Continues for at least 93 months (apx 7 ½ years) after the 9 month Trial Work Period
After the 93 month period you may be able to purchase Medicare coverage
You may be eligible for You may be eligible for Medicaid Buy-In from your Medicaid Buy-In from your StateState
Additional SSDI Work IncentivesAdditional SSDI Work Incentives Subsidy
− We only count the value of a beneficiary’s work. For example, if an SSDI beneficiary is paid $10 an hour but is only able to perform half the duties someone in his position usually performs, we will only charge them with $5 per hour.
IRWE− During the extended period of eligibility, we deduct
certain impairment related costs from countable earnings.
Averaging− During the extended period of eligibility we can
average earnings over a period of time if it is more advantageous.
Subsidy− We only count the value of a beneficiary’s work. For
example, if an SSDI beneficiary is paid $10 an hour but is only able to perform half the duties someone in his position usually performs, we will only charge them with $5 per hour.
IRWE− During the extended period of eligibility, we deduct
certain impairment related costs from countable earnings.
Averaging− During the extended period of eligibility we can
average earnings over a period of time if it is more advantageous.
SSI Work IncentivesSSI Work Incentives
How earnings affect SSI payments
How earnings affect SSI payments
SSA counts less than half of your earned income For example:
$885 in wages $400 counts against SSI $1,159 total income (persons with ONLY SSI &
income from wages)
Certain impairment related work expenses can also be deducted from your gross wages.
SSA counts less than half of your earned income For example:
$885 in wages $400 counts against SSI $1,159 total income (persons with ONLY SSI &
income from wages)
Certain impairment related work expenses can also be deducted from your gross wages.
Blind Work Expenses for SSI claimants
Blind Work Expenses for SSI claimants
Expenses necessary for an individual to work are deducted from countable earnings.
Examples:
Service Dog
Transportation to and from work
Taxes (Federal, state, local and FICA)
Attendant Care
Meals during work hours
Medication
Union fees
Uniforms
Expenses necessary for an individual to work are deducted from countable earnings.
Examples:
Service Dog
Transportation to and from work
Taxes (Federal, state, local and FICA)
Attendant Care
Meals during work hours
Medication
Union fees
Uniforms
What happens if my earnings are so high that my SSI stopsWhat happens if my earnings are so high that my SSI stops
Benefits can start again if you stop working or your earnings decrease
If your earnings are so high that your SSI payments stop: − Medicaid continues until
you earn above your States’ threshold ’ threshold during the calendar year
− People with high medical costs can earn even more
Benefits can start again if you stop working or your earnings decrease
If your earnings are so high that your SSI payments stop: − Medicaid continues until
you earn above your States’ threshold ’ threshold during the calendar year
− People with high medical costs can earn even more
Other SSI Work IncentivesOther SSI Work Incentives•IRWE (Impairment Related Work Expenses)
•Expenses related to disability necessary for individual to work. See included chart.
•Student Earned Income Exclusion
•For 2011 - $1640/month, but no more than $6600 for the year.
•PASS (Plan to Achieve Self Sufficiency)
•Allows us to exclude additional income and resources if used towards the achievement of a specific vocational goal.
•PESS (Property Essential for Self Support)
•We exclude resources necessary for self employment.
Ticket to WorkTicket to Work
What is a Ticket to Work?What is a Ticket to Work?
A ticket can be used to get free employment services
A ticket can be used to get free employment services
TICKET TO WORKTICKET TO WORK
Employment Networks provide beneficiaries with more choices when it comes to vocational rehabilitation, job preparation, and job placement services
Employment Networks provide beneficiaries with more choices when it comes to vocational rehabilitation, job preparation, and job placement services
For the Ticket Holder:For the Ticket Holder:• No Medical review while ticket is “In Use”• Free employment support services
MEDICAID BUY-INMEDICAID BUY-IN
Must meet the disability requirements of the Social Security Administration
Be employed or self employed, part or full time For more information:
Contact your State Vocational Rehabilitation Office
or
Contact your WIPA http://www.socialsecurity.gov/work/WIPA.html
Must meet the disability requirements of the Social Security Administration
Be employed or self employed, part or full time For more information:
Contact your State Vocational Rehabilitation Office
or
Contact your WIPA http://www.socialsecurity.gov/work/WIPA.html
37 STATES Offer Medicaid Buy-in37 STATES Offer Medicaid Buy-in
Alaska
Arizona
Arkansas
California
Connecticut
Idaho
Illinois
Indiana
Iowa
Kansas
Louisiana
Maine
Maryland
Alaska
Arizona
Arkansas
California
Connecticut
Idaho
Illinois
Indiana
Iowa
Kansas
Louisiana
Maine
Maryland
MassachusettsMassachusettsMichiganMichiganMinnesotaMinnesotaNebraskaNebraskaNevadaNevadaNew HampshireNew HampshireNew JerseyNew JerseyNew MexicoNew MexicoNew YorkNew YorkNorth CarolinaNorth CarolinaNorth DakotaNorth DakotaOhioOhioOregonOregon
PennsylvaniaPennsylvaniaRhode IslandRhode IslandSouth DakotaSouth DakotaTexasTexasUtahUtahVermontVermontVirginiaVirginiaWashingtonWashingtonWest VirginiaWest VirginiaWisconsinWisconsinWyomingWyoming
Work Incentives Planning & Assistance (WIPA)
Work Incentives Planning & Assistance (WIPA)
Information about how your benefits are affected by working
Benefits Analysis- A more personalized explanation about how benefits are affected by a particular vocational goal
Help to explore employment options and long term supports (Federal, State & local employment programs and incentives)
www.yourtickettowork.com/wipas
Information about how your benefits are affected by working
Benefits Analysis- A more personalized explanation about how benefits are affected by a particular vocational goal
Help to explore employment options and long term supports (Federal, State & local employment programs and incentives)
www.yourtickettowork.com/wipas
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