Employment for Youth in Transition

REMINDER! 2

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! 3

Let’s Get Started! 4

What Are The Main Differences? SSI - Based On Disability + Financial Need - Work History Isn’t Required - Healthcare = Medicaid MassHealth Immediately SSDI - Based On Disability Only - Work History Is Required - Healthcare = Medicare After 2 Years of Getting SSDI Supplemental Security IncomeSocial Security Disability Insurance

Work Incentives Recap… 6

Here Are Some Basic Work Incentives… SSI - Student Earned Income Exclusion - Blind Work Expenses SSI & SSDI -Impairment Related Work Expenses -Expedited Reinstatement -Plan to Achieve Self Support SSDI - Trial Work Period - Extended Period of Eligibitly

8 Supplemental Security Income (SSI) WORK INCENTIVES

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. 9 $640 - $85 /2 = $ (Countable Income) $ (Maximum SSI Amount) - $ (Countable Income) $ (New SSI Amount)

Work Incentives… 10 SSI

Work Incentives… In Order For You To Use SEIE, You MUST Be: 21 or Younger, Regularly Attending School, & Working. 11 SSI

What’s ‘Attending School’?  Junior High School  High School  Home School  Technical School  Community College  University 12 SEIE It’s When You Attend One Of The Following For 8-12 Hours A Week :

Work Incentives… 13 SSI

Transportation Meals During Work State/Federal Taxes Dr./Rx Copayments Service Animals Adaptive Device s 14 What Kind of Expenses Are BWEs? BWE These Expenses Can Be Related or Unrelated To Your Medical Condition.

15 Social Security Disability Insurance (SSDI) WORK INCENTIVES

Work Incentives… 16 SSDI

17 How Does TWP Exactly Work? TWP

Let’s See Some TWP Examples! 18

19 Months In A 5 Year Period TWP

20 Months In A 5 Year Period TWP

Well What Happens After My Trial Work Period (TWP) Ends? 21

Work Incentives… 22 SSDI

Once Your Trial Work Period Ends & You’re In Your Extended Period Of Eligibility, Social Security Determines Every Month If Your… 23 How Does This Work? EPE Monthly Work Earnings Substantial Gainful Activity

24 But What’s Substantial Gainful Activity (SGA)? EPE And For The Months That Your …

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? 25 Check Or No Check? EPE August 2013 September 2013 June 2014

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Will Kate be entitled to an SSDI check considering what happened to her in July of 2014? August 2013 September 2013 June 2014 July Check Or No Check? EPE

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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. ******************************************************************** 29

Guess What SSDI Recipients? 30

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 … 31 You Have Even More Work Incentives … SSDI Kate really made $1,100 in gross earnings for the month of June … Other Work Incentives Applied Because Social Security approved this work incentive, they only counted $1,050 as Kate’s earned income for June. But since she learned about these other work incentives, she realized she was possibly eligible for one so she informed Social Security …

32 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 Extra supports at work that you receive, but don’t pay for. E.G. job coach, longer breaks, etc. Income Averaging Used only if your work earnings fluctuate greatly and often E.G. varied hours, seasonal work, etc. Unsuccessful Work Attempt Only occurs if you can’t work more than 6 months straight. That May Be Applied During Monthly Substantial Gainful Activity Decisions

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 … 33 More Work Incentives… SSDI SSDI Check $$ Work Check $$

34 WORK INCENTIVES for both SSDI & SSI Recipients

35 Work Incentives… SSI & SSDI SSI & SSDI

36 Work Incentives… SSI & SSDI

37 Work Incentives… SSI & SSDI

Work Incentives… 38 SSI & SSDI

So Before Applying For A Pass … 39

40 Work Incentives… SSI & SSDI

As You Can See … 41

And If You Need Help … 42 Project IMPACT YES-WORK ( )

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How Things Work Before Turning 18 … 44 SSI

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46 SSI How Things Work Before Turning 18 …

47 I’m an adult SSI

48 SSI

49 I’m an adult APPROVED DENIED Dan’s SSI Continued As An Adult Because He Was Found To: Be Medically Disabled Under The Adult Medical Standards Have Low Enough Income & Resources OR SCENARIO 1: Dan Was Found To Be Ineligible For SSI Under The Adult Medical Standards & Was No Longer Entitled To Anymore SSI Cash Payments

50 SSI

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What Can Happen After Turning 18 … 53 SSDI

How Can I Be Eligible For CDB? 54 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” SSDI

What Does This Mean For Me? 55 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 SSDI

56 Have No Fear: Work & Healthcare

Things You Need To Know … 57

58 Supplemental Security Income (SSI) Work + Health Coverage

59 & Health Coverage … SSI  Dental Care  In/Outpatient Care  Vision Care  Long-Term Care, etc.  Dental Care  In/Outpatient Care  Vision Care  Long-Term Care, etc. FYI All coverage under MassHealth Standard is free except for prescription copayments and copayments for certain services. FYI All coverage under MassHealth Standard is free except for prescription copayments and copayments for certain services.

SSI,Work, & MassHealth AS LONG AS: → Remain SSI Eligible → You Still Need It → Income < $39K/Year

61 & MassHealth CommonHealth SSI * If You Qualify, You Will Have To Pay A Sliding-Scale Premium Based On Your Household Income. * If You Qualify, You Will Have To Pay A Sliding-Scale Premium Based On Your Household Income.

62 Social Security Disability Insurance (SSDI) Work + Health Coverage

63 & Health Coverage SSDI A A B B D D Hospital Insurance: Hospitalization Care Drug Coverage: Prescription Drug Costs Outpatient Visits: Doctor Appointments

64 & Medicare SSDI

Facts: SSDI + Medicare + You A A B B

66 D D 2014 Facts: SSDI + Medicare + You

67, Work & Medicare … SSDI

68 Health Coverage For Both SSDI & SSI Recipients

 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

MassHealth, Medicare or Private Health Insurance …

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