Transcript FileNewTemplate - Home | Youth on the Move

Employment for Youth in Transition
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REMINDER!
“Work + Benefits” =
POSSIBLE!
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Going to Work II Goals …
Review …
 The Different Disability Benefit Programs.
 What Work Incentives Are.
Learn …
 Which Work Incentives Are Available Under Each
Program.
 What They Are & Start Thinking About How You
Can Use Them Along Your Path To Success!
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Let’s Get Started!
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What Are The Main Differences?
SSI
- Based On Disability +
Financial Need
- Work History Isn’t Required
SSDI
- Based On Disability Only
- Work History Is Required
- Healthcare = Medicare
- Healthcare = Medicaid
After 2 Years of Getting SSDI
MassHealth Immediately
Supplemental Security Income
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Social Security Disability Insurance
Work Incentives Recap…
They Are Social Security “Safety Nets” & Programs
That When You Work, Could Allow You To Either:
+ Keep More Of Your Benefits Or
+ Keep Them Longer,
+ & They Help Preserve Your Health Insurance
What’s Available To You Will Depend
On What Benefits You Currently Get …
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Here Are Some Basic
Work Incentives…
SSI
- Student Earned
Income Exclusion
- Blind Work
Expenses
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SSI & SSDI
SSDI
-Impairment Related
Work Expenses
- Trial Work Period
-Expedited
Reinstatement
- Extended Period
-Plan to Achieve
Self Support
of Eligibitly
Supplemental
Security Income
(SSI)
WORK INCENTIVES
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WHAT HAPPENS TO SSI WHEN
YOU GO TO WORK?
Each month that you work and earn money Social
Security will calculate how that income affects your SSI
Benefit.
If you work and making $640 gross per month the
calculation will look like this.
$640 - $85 /2 = $277.50 (Countable Income)
$835.39 (Maximum SSI Amount)
- $277.50 (Countable Income)
$557.98 (New SSI Amount)
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SSI Work Incentives…
SEIE Allows You To:
Student
Earned
Income
Exclusion
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• Go to School & Work and or
• Even Get a Summer Job
• Make up to $1,750/month &
NOT Impact Your SSI
Check Whatsoever!
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SSI Work Incentives…
Student
Earned
Income
Exclusion
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In Order For You To Use
SEIE, You MUST Be:
 21 or Younger,
 Regularly Attending School,
 & Working.
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SEIE What’s ‘Attending School’?
It’s When You Attend One Of The Following
For 8-12 Hours A Week:
 Junior High School
 High School
 Home School
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 Technical School
 Community College
 University
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SSI Work Incentives…
Blind
Work
Expenses
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BWEs Are ANY Necessary
Goods or Services You Pay
For So You Can Work. You …
 MUST Be Statutorily Blind &
 Working to Get FULLY
Reimbursed For These BWE
Expenses In Your SSI Check!
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What Kind of
BWE
Expenses Are BWEs?
These Expenses Can Be Related or Unrelated
To Your Medical Condition.
Unrelated EXs:
Related EXs:
• Transportation
• Meals During Work
• State/Federal Taxes
• Dr./Rx Copayments
• Service Animals
• Adaptive Devices
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Social Security
Disability Insurance
(SSDI)
WORK INCENTIVES
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SSDI Work Incentives…
Trial
Work
Period
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If You’re On SSDI & Start Working,
Your TWP Will Be The 1st Incentive
Available To You. It Will Allow You To:
• Work Anywhere For 9 Months &
Make As Much As You Want
• You’ll Still Get Your FULL SSDI
Check For These 9 Months
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How Does TWP
TWP
Exactly Work?
Your Trial Work Period (TWP) Will End When You
Use 9 TWP Months Within 5 Years.
1 TWP
Used
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Monthly Gross
Earnings
TWP Limit
($770 in 2014)
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Let’s See
Some TWP Examples!
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TWP Months In A 5 Year Period
Situation 1:
Juan, a junior who loves sports, makes $800/month working as
a part-time referee for 9 straight months during the school year …
Months
Sep
Oct
Nov
Dec
Jan
Feb
Mar
Apr
May
Juan’s Gross
Monthly
Earnings
$800
$800
$800
$800
$800
$800
$800
$800
$800
FULL
SSDI Check
Received
TWP
Month
Completed
YES … Juan Received Both His Work & SSDI Check
For All Of
These 9 Months!
YES
YES
YES
YES
YES
YES
YES
YES
YES
$800 > $770
$800 > $770
$800 > $770
$800 > $770
$800 > $770
$800 > $770
$800 > $770
$800 > $770
$800 > $770
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TWP Months In A 5 Year Period
Situation 2:
Kate just graduated from college, has always had a passion for
animals, & has worked a few summer jobs over the past 5 years…
Year
Sep - May
Jun
Jul
Aug
Attended 1st Year of
College
$800
$800
$800
2009
2010
Attended 2nd Year
of College
Didn’t work during this summer
2011
Attended 3rd Year
of College
$900
2013
Attended 4th Year &
Graduated
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Worked summer job at Petco
$900
$900
Worked summer job at animal shelter
$1,000
$1,000
$1,000
Started working full-time at zoo
What
Happened …
Kate started getting
SSDI going into her
freshman year. And
even though when
she worked she
was always over
the TWP limit, she
still got her Full
SSDI check for all
of her 9 TWP
months.
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Well What Happens After My
Trial Work Period (TWP) Ends?
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SSDI Work Incentives…
You Automatically Enter Into A 3-year
Safety Net Known As Your EPE. This
Incentive :
Extended
Period of
Eligibility
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 Keeps Your SSDI Case Open
 It Acts Like A Faucet. Depending On
Your Monthly Gross Earnings, It Can
Either ‘Turn Off’ Or ‘Turn On’ Your SSDI
Check For That Particular Month.
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EPE How Does This Work?
Once Your Trial Work Period Ends & You’re In Your
Extended Period Of Eligibility, Social Security
Determines Every Month If Your…
Monthly
Substantial
Work
Gainful
Earnings
Activity
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EPE But What’s Substantial
Gainful Activity (SGA)?
It’s A Dollar Amount That Social Security Uses To Compare
Your Gross Monthly Earnings To. In 2014, The SGA Amount Is
$1,070. So During Your 3-Year EPE, For The Months That Your:
Monthly Earnings < SGA = You’re Entitled To An SSDI CHECK
And For The Months That Your …
Monthly Earnings > SGA = You’re Not Entitled To An SSDI CHECK
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EPE Check Or No Check?
Take a look at Kate’s situation below. Will she be entitled to an SSDI
check considering her raise and what she made in June of 2014?
August
2013
• Her Trial Work
Period ends
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September
2013
• She enters into
her 3-year
Extended
Period of
Eligibility
June
2014
• She continues
working at the
zoo and gets a
raise this
month making
$1,100 per
month
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Not
Entitled To An
SSDI Check
***********************************************************************
Because her Gross Earnings in June Are Over
The 2014 SGA Amount of $1,070
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EPE Check Or No Check?
Will Kate be entitled to an SSDI check considering
what happened to her in July of 2014?
August
2013
• Her Trial Work
Period ends
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September
2013
• She enters into
the Extended
Period of
Eligibility
June
2014
• She continues
working at the
zoo and gets a
raise this
month making
$1,100 per
month
July
2014
• She reduced
her hours this
month and only
made $1,000 in
July
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Yes, She’s Entitled To Her
SSDI Check
+
She’ll Get Her
Work Check
**************************************************************************
Because Her Gross Earnings in July Are Under
The 2014 SGA Amount of $1,070
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****************************************************
NOTE:
The previous example was strictly for teaching purposes
on how the EPE generally works.
To get specific information on your work situation, contact a
Community Work Incentive Coordinator near you.
This information is available at the end of the presentation.
********************************************************************
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Guess What
SSDI Recipients?
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You Have Even More
SSDI
Work Incentives …
That May Be Available To You & That Can Help You Lower The
Amount Of Monthly Earnings You Make In Social Security’s Eyes.
Let’s take a look at Kate again …
Other
Work Incentives
Applied
Kate really made $1,100
in gross earnings for the
month of June …
www.WorkWithoutLimits.org
But since she learned about
these other work incentives,
she realized she was possibly
eligible for one so she informed
Social Security …
Because Social Security
approved this work incentive,
they only counted $1,050 as
Kate’s earned income for June.
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Impairment
Related
Work
Expenses
• Medically-related
expenses you pay for in
order for you to work.
• E.G. Copayments,
special equipment, etc.
Special
Conditions /
Subsidy
That May Be Applied
During Monthly
Substantial Gainful
Activity Decisions
Income
Averaging
Unsuccessful
Work
Attempt
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• Extra supports at work
that you receive, but
don’t pay for.
• E.G. job coach, longer
breaks, etc.
• Used only if your work
earnings fluctuate
greatly and often
• E.G. varied hours,
seasonal work, etc.
• Only occurs if you
can’t work more than
6 months straight.
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SSDI More Work Incentives…
Because Kate notified Social Security that she had a job coach in
June, they only counted $1,050 of her June earnings instead of the
full $1,100 that she actually made.
Because of this, her June earnings in Social Security’s eyes fell below
SGA ($1,070 in 2014), which made her entitled to both of her …
SSDI Check
$$
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Work Check
$$
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WORK INCENTIVES
for both
SSDI & SSI Recipients
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SSI
SSI
SSDI
SSDI
&
&
Work Incentives…
The following incentives are available under
both SSI & SSDI disability programs:
→
Impairment Related Work Expenses
→
Plan to Achieve Self Sufficiency
→
Expedited Reinstatement
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SSI
SSDI
&
Work Incentives…
Impairment
Related
Work
Expenses
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IRWEs Are Medically-Related
Expenses YOU Need To
Work & That You Pay For…
• For SSI → ½ The Cost Is
Paid Back In Your SSI Check
• For SSDI → IRWEs Can Help
Lower Your Gross Earnings In
The Eyes Of Social Security
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SSI
SSDI
&
Work Incentives…
Plan to
Achieve
Self
Sufficiency
A PASS Plan Allows You To Put $$
Aside To Reach Your Work Goal. To
Qualify You Must:
 Have A Clear Employment Goal
• By The Way, School Can Be A Part Of
Your Goal
 Have Other $$ Besides SSI.
• You Don’t Have To Be Working. But
More $$ Is Always Helpful To Have.
 Fill & Submit An Application
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SSI
SSDI
&
Work Incentives…
Plan to
Achieve
Self
Sufficiency
In Your PASS Account You
Can Put All Or Part Of Your …
• (If on SSI) Work Check So You Get
More In Your SSI Check
• (If on SSDI) SSDI Check Making
You Likely Eligible For SSI
• (If on SSI & SSDI) SSDI Check So
You Get More In Your SSI Check
Note: The $$ In Your PASS Account Can Only
Be Spent On Things That Are Explicitly Stated In
Your PASS Plan …
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So Before Applying For A Pass …
Ask Yourself …
“Could I Live Off The Money
That Isn’t In My PASS
Account?”
If You Need Help Answering This,
Get Guidance From A
Community Work Incentive Coordinator
Near You.
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SSI
SSDI
&
Work Incentives…
Expedited
Reinstatement
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If Your Disability Claim Were To Ever
Close Due To Work Earnings, This
Incentive May Allow You To Get Back
On Them Without Having To Reapply If:
 You Apply Within 5 Years Of Termination
 Your Earnings Are Below The Substantial
Gainful Activity Amount For That Year
 & You’re Still Medically Eligible
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As You Can See …
Whether You’re On SSI, SSDI, Or Both, Social Security
Has Created These Work Incentives So…
You Can Give Yourself & Work A Chance!
So Start By Thinking About Your Situation,
Know That You Can Work, & That These Incentives Will
Help You On Your Path To Financial Independence!
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And If You Need Help …
Feel Free To Contact Your Nearest
Community Work Incentives Coordinator (CWIC)!
CWICs Are Devoted to Erasing The Fears & Myths Around
‘Work + Benefits’ by Supplying Disability Beneficiaries Who Are Currently
Working or Actively Seeking Employment With Accurate Information
Around Their Work Incentive Options & Rights.
In Massachusetts, There Are Two Programs Equipped With A Team Of
Dedicated CWICs. Contact Them Today!
Project IMPACT
1-877-YES-WORK
(937-9675)
www.WorkWithoutLimits.org
1-617-204-3854
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Turning
18
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How
Things
Work
SSI
Before Turning 18 …
For You To Qualify For SSI As A Child Under The
Age Of 18, Social Security Determines …

If You’re Medically Disabled According To
The Definition Of Disability For Children
Under Age 18

And Whether Your Family Income &
Resources Are Low Enough
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Now Let’s See
What Definitely Happens
& What Can Happen
After An SSI Child
Turns 18 !
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How
Things
Work
SSI
Before Turning 18 …
Meet Dan! He’s Currently In 7th Grade
And On SSI. Below Is His Benefits Profile:
• He’s Been On SSI Since The 1st Grade
• His Eligibility For SSI Has Been Based On…
 His Own Disability &
 Low Family Income & Resources
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SSI What Definitely Happens
Before You Turn 19…
I’m an
adult
Dan Is Growing Up Fast & Turned 18 A
Few Months. He Just Got A Social Security
Letter In The Mail Notifying Him That…
• His SSI Needs To Be Redetermined As An
Adult Before His 19th Birthday
• And To Do So, He’d Need To Go To His Local
Social Security Office To Complete An Initial
Eligibitly Interview
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What Exactly Is
SSI
Age-18 Redetermination?
It’s When Social Security Will Check If You Still Qualify
For SSI As An Adult After You Turn 18 & Before You
Turn 19. As An Adult, Your SSI Eligibility Will Be Based On:
• Stricter Adult Medical Standards
• And On Your Own Income & Resources
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What Could’ve Happened
After Redetermination …
Dan’s SSI Continued As An Adult Because
He Was Found To:
APPROVED
 Be Medically Disabled Under The Adult
Medical Standards
 Have Low Enough Income & Resources
I’m an
adult
OR
DENIED
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SCENARIO 1:
Dan Was Found To Be Ineligible For SSI
Under The Adult Medical Standards & Was
No Longer Entitled To Anymore
SSI Cash Payments
SCENARIO 2:
Although Dan Was Denied For SSI As An
Adult, He Was Allowed To Continue Getting
SSI Cash Payments & Health Insurance
Because Of Section 301
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What Exactly Is
SSI
Section 301?
If You’re Found To Be Ineligible For SSI As An Adult After Your Age-18
Redetermination, Section 301 Could Help To Continue Your SSI Cash
Benefits & Health Insurance For A Limited Period Of Time.
To Qualify You MUST:
– Be Working Closely With A Vocational Rehabilitation Counselor
On An Employment Goal
OR
– If Your Under Age 22, Be Getting Services Under Your Individualized
Education Plan (IEP)
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As You Can See,
It Can Be Extremely Beneficial For
You & Your Parents
To Know About Everything That
Happens & Could Happen When
You Turn
18!
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Turning
18
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SSDI What Can Happen
After Turning 18 …
Some People Who …
– Become Disabled After They Turn 18, But Before
They Turn 22,
– Or Had A Disability Before Their 18th Birthday
May Be Entitled To A Form Of SSDI Called …
Childhood Disability Benefits
(CDB)
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SSDI How Can I Be
Eligible For CDB?
You’re Only Eligible If …
– You Have A Disability &
– You’re A Child Of A Parent Who Is Receiving One Of The
Following Disability Benefits
• Social Security Retirement
• Social Security Disability Insurance (SSDI)
– Or You’re A Child Of A Deceased Parent Who Is An
“Insured Worker”
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SSDI What Does This
Mean For Me?
If Found Eligible By Social Security, It Means …
– You’ll Get A Portion Of Your Parent’s Retirement or
Disability Benefit Every Month
– And Because CDB Falls Under The SSDI Disability
Program, You’ll Also Be Eligible For
Medicare After 2 Years Of Getting CDB
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Have No Fear:
Work
& Healthcare
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Things You Need To Know …
When You Work & Are On SSI Or SSDI:
 You Won’t Lose Your Health Coverage!
 The Type Of Insurance & Cost Of It
May Change, But Will Still Be Available!
 Your Employer May Offer You
Health Insurance!
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Supplemental
Security Income
(SSI)
Work + Health Coverage
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SSI & Health Coverage …
SSI Recipients Are Automatically Enrolled Into
MassHealth Standard.
Eligibility Is Based On Household Income.
FREE Comprehensive Coverage Includes:
Dental
DentalCare
Care
In/Outpatient
Care
In/Outpatient
Care




Vision
VisionCare
Care
Long-Term
Long-TermCare,
Care,etc.
etc.
FYI
All coverage under MassHealth Standard is free except for prescription
copayments and copayments for certain services.
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SSI ,Work, & MassHealth
If Your SSI Cash Payments Ever Stop Due
To Your Work Income, Your MassHealth
Standard Is Indefinitely…
SAFE
Under 1619(b)!
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SSI & MassHealth
CommonHealth
If You Ever Become Ineligible For MassHealth Standard Or
1619(b), You Can Always Get The Same Care Through
MassHealth CommonHealth.
To Qualify You Must Meet One Of The Following:
• Working At Least 40 Hours/Month Or,
• Worked At Least 240 Hours In The Last 6 Months Before Applying Or,
• If You Aren’t Working, Meet A One-time Deductible Based On Income
*If You Qualify, You Will Have To Pay A Sliding-Scale Premium
Based On Your Household Income.
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Social Security
Disability Insurance
(SSDI)
Work + Health Coverage
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SSDI & Health Coverage
SSDI Recipients Are Enrolled Into Medicare
Parts A& B After 2 Years Of Receiving SSDI.
Coverage Includes Parts:
A
B
D
Hospital Insurance:
Outpatient Visits:
Drug Coverage:
Hospitalization Care
Doctor Appointments
Prescription Drug Costs
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SSDI & Medicare
FYI
Most SSDI Recipients Apply For
MassHealth While Waiting For Their
Medicare To Kick In!
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2014 Facts:
SSDI + Medicare + You
A
• Coverage Is NOT Optional
• There Is No Premium = No Cost For You
• Coverage IS Optional
B
• If You Choose Part B, You May Qualify For Help
Paying Your Premium Through A Medicare Savings
Program
•If You Don’t Qualify For This Help, The $105 Monthly
Part B Premium Will Be Deducted From Your SSDI
Payment
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2014 Facts:
SSDI + Medicare + You
D
• To Avoid A Penalty, You MUST Choose A Medicare
Part D Drug Plan Within 3 Months Of Getting Parts A & B
• If You’re In A Medicare Savings Program, Have
MassHealth Standard, or CommonHealth, You Get Full
Extra Help Paying Your Part D Premium Under Either:
-AARP MedicareRx Saver Plus
-Aetna CVS/Pharmacy Prescription Drug Plan
-Cigna Medicare Rx Secure
-HealthMarket Value Rx
-Humana Preferred Rx Plan
-WellCare Classic
• If Ineligible For Full Extra Help, You Can Still Apply For
Partial Extra Help At Your Local Social Security Office
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SSDI , Work & Medicare …
The Extended Period Of Medicare Coverage Allows An SSDI
Beneficiary To Continue Their Medicare Coverage Even After
Their SSDI Benefits Stop Due To Work Income.
So After Your Trial Work Period Ends, It Will Provide You With
Up To 7+ Years Of Medicare Coverage After The 1st Time Your
SSDI Check Stops Due To Work Income
Basically, This Means You’re Covered For A Long,
Long Time Even When You Work!
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Health Coverage
For Both
SSDI & SSI Recipients
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Having Both MassHealth & Medicare Can Be Complicated,
But Now One Care Is Here To The Rescue!
Under One Care You’ll Get The Benefits You Already Have, Plus:




A Choice Of Health Plans
Your Choice Of Doctors
1 Person To Coordinate Your Care
More Behavioral Health Services




Dental & Vision Services
All Prescriptions Through 1 Plan
Home-based Services
Peer Support Services
To Inquire About One Care, Call 1(800) 841-2900
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MassHealth, Medicare or
Private Health Insurance …
If Your Employer Offers You Health Insurance, You Should:
• Compare Coverage & Price Of The Private Plans vs. Your Current
MassHealth & Or Medicare Plans
• Choose The Most Affordable Mix Of Health Plans That Will Best Suit
Your Needs
• Contact SHINE (Serving The Health Insurance Needs Of Everyone),
A Program That Provides Health Insurance Information, Counseling
And Assistance → Call 1-800-243-4636 & dial #3
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REMEMBER!
Work + Healthcare =
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