Making Work Pay Part 4: Asset Development Webinar Series Elizabeth Jennings National Disability Institute March 6, 2012

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Welcome and Introductions Overview of SSA’s Definition of Disability Overview of SSDI Overview of SSI The Interplay of Asset Development Strategies with SSA Benefits When to consider Benefits and Asset Development Connecting and working with Community Work Incentive Coordinators Contact Information Questions 2 Today’s Agenda

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © As a result of this webinar, Counselors will better understand: The basics of SSDI and SSI How to assist clients in thinking about how to use their work incentives. The interplay of SSA disability benefits and asset building. How to work in partnership with a CWIC. Considering benefits at key points in the rehabilitation process. Why this information matters and how it can place clients on the pathway to financial stability. Objectives

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © A national research and development organization with the mission to promote income preservation and asset development for persons with disabilities and to build a better economic future for Americans with disabilities. National Disability Institute

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © People with disabilities are more likely to be unemployed and to live in poverty than any other single demographic group in the United States today. Public benefit programs for people with disabilities, especially Supplemental Security Income (SSI), are not aimed at increasing assets and independence for people with disabilities.  More so then any other population on a fixed income, services and policies do not hold the expectation of economic self-sufficiency. Disability and Poverty

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Overview of SSA’s Definition of Disability

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © The Social Security Administration has two programs to support individuals with disabilities with an inability to work at a substantial level.  Social Security Disability Insurance (SSDI)  Supplemental Security Income (SSI) Many people with disabilities who receive SSDI and/or SSI, want to work or return to work but are unsure what will happen to their benefits when they do. Both SSDI and SSI have special work incentives available that make it possible for individuals to test their ability to work and continue to receive some or all of their cash and health benefits. Overview

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Individuals must prove 2 things to be eligible for SSDI or SSI: 1.Prove that they have a documented medical disability that will last 12 months or longer or result in death. 2.Meet SSA’s definition of disability: The inability to engage in Substantial Gainful Activity (SGA, which is paid work) by reason of any documented medical impairment (physical or mental) that will lasts 12 months or longer and/or result in death. Individuals who are blind do not have to prove that they are unable to work. They only have to prove that they meet SSA’s level of blindness. SSA Eligibility

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SGA is a basic test used by SSA to establish disability status SGA is the performance of significant mental and/or physical duties for profit. It is usually determined to be gross earnings (before taxes) of an amount of money that is set January 1 of each calendar year based on the National Average Wage Index. To meet this test a person must not be working, or if working, earning less than the SGA level amount SGA for non-blind individuals = $1010/month 2012 SGA for blind individuals = $1690/month Substantial Gainful Activity (SGA)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Overview of SSDI

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSDI is a Title II Benefit. SSDI benefits are based on a person’s work history looking at length of time and amount of money earned in F.I.C.A.. SSDI check amount will vary from person to person. DAC –Disabled Adult Children Disability Prior to Age 22 & Never Legally Married Insufficient FICA or higher parent amount Parent is deceased, disabled or retired Possible continuation of Medicaid Medical Insurance – MEDICARE What is SSDI?

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Important to Note 5 Month Waiting Period for cash benefits 24 months waiting period for Medicare No Asset limit Individual must have 12 months consecutive-initial eligibility SSDI is obsessed with SGA

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © These are the list of programs under SSDI called Work Incentives:  Trial Work Period = $720/Month 2012  Extended Period of Eligibility  Extended Medicare Coverage  Impairment Related Work Expenses  Section 301  Special Condition/Subsidies  Expedited Reinstatement SSDI Work Incentives and Wages

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © month period, within 60 months, in which a person on SSDI can work and earn any amount of money without the earnings affecting their SSDI eligibility Each month an SSDI recipient earns more than $720 counts as one month of the TWP (indicated 2012 amount) These months do NOT need to be consecutive Trial Work Period (TWP)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © A period of extended eligibility that starts with the month after the TWP ends and continues for the next 36 months. Months that countable earned income is less than the SGA level they receive their full SSDI check. Months that countable earned income is more than the SGA level they do not receive a SSDI cash benefit. When countable wages first exceed the SGA level (cessation month), Social Security will plan to stop the benefits - but will allow the person to receive a check for that month and for 2 more months as a “grace period” before stopping checks altogether Extended Period of Eligibility (EPE)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © An IRWE exists when: The individual with a disability pays for the item or service The item or service is related to the person’s condition The person would not be able to work if s/he did not spend the money and receive the item or service Impairment Related Work Expenses (IRWEs)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © A Subsidy Exists When the Employer:  Willingly pays more in wages than the value of services performed (Employer Subsidy); or  Receives full value only because some agency provides extra services to the employee (sometimes called Special Considerations) Subsidies

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © An SSDI beneficiary is entitled to continued Medicare coverage after the trial work period and for up to an additional 93 months following the ninth trial work month. During this entire period, hospital coverage is automatic and cost-free. outpatient coverage continues to be optional and subject to premium payment ($99.90/month in 2012 for all enrollees) Extended Medicare Eligibility (effective 10/1/00)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Re-Application Expedited Reinstatement (EXR) Options for Returning to Rolls

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © A voluntary program for people with disabilities who want to work. Ticket provides: Greater Choice through an Increased Network of Vocational Service Providers (Employment Networks) Protection from Continuing Disability Reviews Long-term support Ticket to Work

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Section 301 allows individuals who improve medically and are no longer considered medically eligible through a CDR (Continuing Disability Review) to continue receiving a cash benefit if: Participating in an approved vocational rehabilitation program (public or private) at the time the eligibility ceases; or Continued benefit payments to students age 18 to 21 who medically recover, or whose disability is determined to have ended as a result of age 18 re-determination, while participating in an individual education program. (Effective July 2005) It is determined by SSA, with the aid of information from the vocational program that the vocational program will likely increase the permanent independence and self-sufficiency of the individual. Medicare and Medicaid and any State supplements also would continue under Section 301 Section 301

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Overview of SSI

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSI is provided to individuals who: 1.Meet SSA’s definition of disability and 2.Have income under $698 ($1,048 for eligible couples) and 3.Assets under $2000 ($3000 for eligible couples) 23 Savings and Supplemental Security Income

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSI excludes some assets: Your home, vehicle, goods you use for self-support, etc.  Properly established Trusts  Individual Development Accounts  development.htm development.htm 24 Savings and the SSI Asset Limit

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Supplemental Security Income (SSI) is a Title XVI program. SSI is the payer of last resort. An individual must prove that they are financially eligible for SSI.  Monthly income less than $698/month  Assets less than $2000  Eligible couple = $1048/month and $3000 assets Federal Benefit Rate Maximum: 2012 equals $698 per month. Medical Insurance - Medicaid What is SSI?

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Not everyone receives the full benefit amount The rate of pay an individual is eligible for is based on:  Family composition (i.e. Living alone, with others, etc.)  Marital status  Deeming of income  Type of housing (i.e. congregate care)  In-Kind support and maintenance State Supplements – Some states offer supplemental payments to individuals eligible to receive SSI. Federal Benefit Rate (FBR)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Income: Anything received in cash or in kind that can be used to meet needs for food or shelter. Two Types of Income: Earned Income and Unearned Income  Earned Income: Typically, gross wages - salaries, commissions, bonuses, self-employment; sheltered workshop earnings.  Unearned Income: All income that is not earned income. Unearned income is counted when it is actually or constructively received. SSI: Income At-A-Glance

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSI: Resources At-A-Glance Resources: Cash or other liquid assets or real or personal property that an individual owns and could convert to cash which can be used to provide for food or shelter. The general rule is that an item received in a month is income and, unless spent, becomes a resource in the following month. General resource limit in 2012 is $2,000 for an individual, $3,000 for an eligible couple (Note: This rate was established on 1/1/89).

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSI Work Incentives enhance economics and can protect Medicaid Student Earned Income Exclusion Impairment Related Work Expense (IRWE) Blind Work Expense Plan For Achieving Self-Support (PASS) Property Essential for Self-Support (PESS) 1619a 1619b Section 301 Special Condition/Subsidies Expedited Reinstatement SSI Work Incentives and Wages

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Sample of a SSI wage Formula: $1185 Gross Wages -20 GIE -65 EIE $1100÷2 = $550 Countable Wages $ FBR -550 Countable Wages $148 SSI Cash Benefit Before Work… Monthly Income =$698 SSI After Work …. Monthly Income = $1185 Wages +$148 SSI $1333 But wait….. Are you worried the individual earned over SGA  Sam ple of a SSI wag e Form ula: $118 5 gross Wag es - 20 GIE - 65 EIE $110 0 ÷2 $550 Coun table Wag es $ FBR Coun table Wag es $148 SSI Cash Bene fit Before Wor k… Monthl y Inco me = $698 SSI After Wor k…. Monthl y Inco me = $118 5 Wag es + $148 SSI $1,3 33 But wait ……. Are you worr ied the indiv idual earn ed over SGA? SSI Work Incentives and Wages

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Student Earned Income Exclusion (SEIE) - The SEIE allows an individual who is under age 22 and regularly attending school to have earnings excluded from income as shown below: For Year 2012, Monthly Exclusion is $1,700 Maximum exclusion for calendar year is $6,840 Effective 4/01/05 To qualify for this exclusion, an individual must be:  under age 22; and  a student regularly attending school per SI D.SI D. Student Earned Income Exclusion (SEIE)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © IRWE reduces gross income due to disability-related out of pocket expenses that allow a person to earn income, even if those items or services are needed for non-work activities.  The expenses must be directly related to supporting the disability  Cost must be paid out of person’s pocket and not covered by other funding sources  Expense must be paid in a month wages are earned  Expense must be reasonable Impairment Related Work Expenses (IRWE)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © The purpose of PASS is to allow SSI recipients to set aside income and/or resources to be used to assist in achieving specific work goals.  A PASS can be used to assist in the costs of education, starting a business or purchasing support services that will result in the reduction / cessation of benefits. By utilizing PASS, an SSI recipient’s can help to off-set the costs associated with the return to gainful employment by reducing countable income and potentially increasing the amount of SSI cash benefits due. Plan to Achieve Self-Support (PASS)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Plan For Achieving Self-Support (PASS) The PASS plan must: Have a specific work goal Have a specific time frame for reaching the goal Show what money and any other contributions will be used to reach the work goal Show how any money set aside in savings will be kept separate from other funds Show how the money and resources will be saved and, later, spent Be submitted in writing and approved by Social Security’s PASS Cadre Include a Business Plan if the PASS is for self-employment Be reviewed periodically to assure compliance Increase an individual’s ability to be self-supporting by decreasing the amount they receive in cash benefits from Social Security

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Protects Medicaid when SSI Cash Benefits is Zero: The person must lose eligibility for SSI cash benefits due to excess earnings Person must be otherwise eligible for SSI Person must need Medicaid to Work Earnings must be below State’s Earned Income Threshold: SSI & Section 1619(b) Medicaid

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Re-Application Expedited Reinstatement (EXR) Options for Returning to Rolls

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © A voluntary program for people with disabilities who want to work. Ticket provides: Greater Choice through an Increased Network of Vocational Service Providers (Employment Networks) Protection from Continuing Disability Reviews Long-term support Ticket to Work

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Section 301 allows individuals who improve medically and are no longer considered medically eligible through a CDR (Continuing Disability Review) to continue receiving a cash benefit if: Participating in an approved vocational rehabilitation program (public or private) at the time the eligibility ceases; or Continued benefit payments to students age 18 to 21 who medically recover, or whose disability is determined to have ended as a result of age 18 re-determination, while participating in an individual education program. (Effective July 2005) It is determined by SSA, with the aid of information from the vocational program that the vocational program will likely increase the permanent independence and self-sufficiency of the individual. Medicare and Medicaid and any State supplements also would continue under Section 301 Section 301

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © The Interplay of Asset Development Strategies with SSA Benefits

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Wonderful starting point No harm opportunity Understanding one’s budget can help determine employment goals Easily accessible Financial Literacy

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Student Earned Income Exclusion (SSI) Impairment Related Work Expense (SSDI and SSI) Blind Work Expense (SSI) PASS (SSI) 1619b (SSI) Subsidy and Special Conditions (SSDI) Medicaid Buy-In (vary by state) Work Incentives to Increase Income

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © PASS (SSI) PESS (SSI) Medicaid Buy-In (vary by state) Work Incentives to Increase Resources

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Medicaid Buy-In programs allow states to expand Medicaid coverage to workers with disabilities who are not typically eligible for Medicaid due to their income/assets. States design their Medicaid Buy-In program (within certain parameters) to meet their State’s unique needs, resources, and objectives. To be eligible for the Buy-In program, an individual must have a disability (as defined by the Social Security Administration), have earned income, and meet any other financial eligibility requirements established by their state. Check with Your State Medicaid office to learn more about Buy-In Medicaid Buy-In

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © PL , Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010, Sec. 728 Passed by Congress in December 2010 Greatly simplifies and standardizes the rules on how tax refunds are treated in determining the eligibility for public benefit programs. Earned Income Tax Credit & Benefits

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Income Excludes any federal tax refund from counting as income in determining eligibility, or the amount of benefit, for any federally funded benefit program. Includes state and local programs partially funded by federal dollars. Resource Refunds that are saved by the filer do not count against the resource limits of any federally funded public benefit for 12 months after the refund is received. Legislation provides for:

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Tax refunds can include benefits from the EITC, CTC, other tax credits, or a refund. New rules are effective for 2010 through 2012, the period covered by the legislation. Implementation of New Legislation

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Assets accrued in an IDA established using TANF or AFIA money can not, under Federal regulations, negatively impact an individual’s eligibility for federal programs. The individual’s contributions, matching contributions, and interest can not be considered as an asset when determining eligibility or benefit levels for federal benefit programs like Social Security, Medicaid and Food Stamps. Assets for Independence Act, Section 415, codified at 42 U.S.C. 604 note and Social Security Act, Section 404(h)(4), codified at 42 U.S.C. 604(h) IDA and Public Benefits

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © SSI does not count the individual’s contributions, matching contributions, and interest as a resource. SSI also excludes the individuals contribution from their countable earned income. development.htm development.htm SSI and qualified IDAs

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © HUD offers many (over 25) programs to support individuals in transitioning to work. Programs vary by Public Housing Authority (PHA) Important to Note: Earned Income Disregard HUD Programs

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © First 12 Months of Employment = 100 Percent disregard of New Wages Second 12 Months of Employment 50 Percent disregard of New Wages HUD Earned Income Disregard

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Two significant financial benefits to the FSS program are: Rent is unaffected by earned income until at such time that the family’s income equals or exceeds 80% of the median area income PHAs will deposit funds into as FSS account for each participating family When the FSS is completed, the family will be given the full amount in the escrow account No limits on amount of money that may be accumulated Content developed by Cornell University, Employment and Disability Institute Family Self-Sufficiency Program

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © When To Consider Benefits And Asset Development

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Benefits and asset development should be an ongoing thread that is evident throughout the process. SSA has provided a sense of financial stability.  Letting go of SSA is more easily palatable with a plan for financial stability To start, change the approach to IEP development to consider longer term objectives to advance economic self-sufficiency When To Consider Benefits And Asset Development

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © How do you go about seeking employment? Do you consider…… 1.your talents and abilities? 2.your budget? 3.the cost of going to work? 4.benefits offered? When Discussing Employment

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Are you making the same considerations for the individuals you serve or are short term needs dominating the process? 1.Staying under SGA 2.Transportation 3.Immediate job opportunity These are valid concerns. But they are short-term decisions. Considerations

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Key points in the timeline: When a job offer is made When an individuals receives their paycheck When an individual reaches the end of the Trial Work Period When an individual works at SGA When a Work Incentive is used When an individual on SSI experiences zero cash benefit When an individual enters Extended Medicare 56 When to Consider Benefits

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Key points in the timeline: When a job offer is made When an individuals receives their paycheck During tax time When a Work Incentive is used When a decrease in cash benefits is imminent When an individual becomes eligible for their State Medicaid Buy-In Before you close a person’s case When to Consider Assets

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © It is essential that you believe that every individual has the potential to move towards financial stability. Start the conversation. Don’t assume that another touch point is discussing financial literacy, budgeting or thinking about a financial future with your client. Fear is a bad decision maker. It is important to encourage individuals to get the right information about their benefits before making limiting decisions. Don’t let your own insecurity about your finances deter you from making connections for those you serve. Don’t underestimate your power to create change through encouragement. You are a Motivator…

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Connecting and Working with Community Work Incentive Coordinators (CWICs)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © The Work Incentives Planning Assistance Program is a grant funded program sponsored by the Social Security Administration Community Work Incentive Coordinators (CWIC) receive training approved by SSA, and are certified under this program to provide accurate advisement to Social Security beneficiaries Work Incentives Planning Assistance Program (WIPA)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © To assist people who want to know how work will affect benefits To learn about Work Incentives through SSA To learn about additional resources available to assist in the return to work Referrals to other resources List of Providers Fact Sheet Intention of WIPA Program

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Communicate, communicate, communicate. Support good record keeping Refer back when necessary Working with CWICs

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Connect with your local CWIC to explore ways to work together  Who to refer  When to refer  Where to refer Discuss how you will receive the information provided to the individual post-benefits planning Ask if the CWIC will identify ways you can support the process Don’t be afraid not to be the expert AND don’t be afraid to become one!!  VCU National Training Center Communicate, Communicate, Communicate

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Support the individual and their identified employment supports to: Open SSA mail immediately Keep EVERYTHING SSA sends Make copies of EVERYTHING sent to SSA Report new work activity to the local SSA Office Provide wage data to SSA regularly by providing a copy of pay check stubs  Wage data may be FAXED, hand delivered, or mailed  Be sure to write your S.S. # on pay check stubs, and your name if not already printed on check stubs Support Good Record Keeping

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Protects the rights of beneficiaries of SSDI and SSI Check out any complaint against an employment network or other service provider helping an individual return to work Give information and advice about vocational rehabilitation and employment Explain SSA’s work incentives Provide consultation and legal representation to protect the rights of any one wanting to return to work Assist with problems concerning work plans under the Ticket to Work Program Protection and Advocacy of Beneficiaries of Social Security (PABSS)

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Comments & Questions

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Contact Information Elizabeth Jennings Program Associate National Disability Institute

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Upcoming Webinars TACE Asset Development Webinar series April 3 Building a Better Financial Future Jackie Wilks-Weathers & Richard Keeling May 8 Connection Between Financial Stability and Job Retention Mike O’Brien To learn more or to registerTo learn more or to register: _building.php

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Education Credits CRCC Credit - (2.0) Approved by Commission on Rehabilitation Counselor Certification (CRCC) By Friday March 16, participants must score 80% or better on a online Post Test and submit an online CRCC Request Form via the MyTACE Portal. My TACE Portal: TACEsoutheast.org/myportalTACEsoutheast.org/myportal **For CRCC credit, you must reside in the 8 U.S. Southeast states served by the TACE Region IV [AL, FL, GA, KY, MS, NC, SC, TN]. If beyond TACE Region IV, you may apply for CEU credit.

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © THANK YOU!

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Southeast TACE (Region IV) Toll-free: (866) [voice/tty] Fax: (404) WebWeb: TACEsoutheast.org My TACE PortalMy TACE Portal: TACEsoutheast.org/myportal

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Disclaimer This presentation was developed by the Southeast TACE Center: Region IV ©2012 with funds from the U.S. Department of Education, Rehabilitation Services Administration (RSA) under the priority of Technical Assistance and Continuing Education Projects (TACE) – Grant #H264A However, the contents of this presentation do not necessarily represent the policy of the RSA and you should not assume endorsement by the Federal Government [34 CFR (b)].

TACE Center: Region IV, a project of the Burton Blatt Institute. Funded by RSA Grant # H264A © Copyright Information This work is the property of the Southeast TACE Region IV Permission is granted for this material to be shared for non-commercial, educational purposes, provided that this copyright statement appears on the reproduced materials and notice is given that the copying is by permission of the authors. To disseminate otherwise or to republish requires written permission from the authors.