Social Security Benefits
Supplemental Security Income
$721
Medicaid
Social Security Disability Insurance
$Amount$
Medicare
When you start work
SSI
Check
EXAMPLE
If you work, earn $1,000 gross monthly
$1,000 work earnings $263.50 SSI
Work Incentives
Work Earnings $ + SSI
SSI = BONUS!!!
$1527+ work earnings
SSI= $0
IF
NOW …Social Security Disability
Insurance (SSDI)
SSDI check will either CONTINUE OR STOP
If you start working…
9 Trial Work Period Months (TWP)
“TRY & WORK”
TWP = $770+/month
9 TWP months over 5 years
1st EXAMPLE….. if you worked
2010$720
2014$770
2011$720
2013$750
2012$720
Feb $300
Dec $375
July$350
Nov$515
Jan $800
March $220
April $80
August$375
Sept$425
FIRED! QUIT!
2nd EXAMPLE….. if you worked
2010$720
2014$770
2011$720
2013$750
2012$720
Feb $800
Dec $810
July$870
Nov$795
Jan $800
March $820
April $810
August$850
Sept$875
FIRED! QUIT!
AFTER 9 TRIAL WORK PERIOD MONTHS
USED….
Extended Period of Eligibility (EPE)
EPE = 3 years
If you earn OVER (+) $1070
Check STOPS
If you earn BELOW (-) $1070
Check continues
Work $ + SSDI $
SO DURING EXTENDED PERIOD OF ELIGIBILITY (EPE) -3 YEARS-
AND YOU CONTINUE EARNING OVER $1070
COMES GRACE PERIOD….
Extended Period of Eligibility (EPE)
EPE = 3 years
If you earn OVER (+) $1070
Check STOPSGRACE PERIOD
Grace Period
Consecutive 3 months
3 MORE CHECKSEarn OVER (+) $1070
AFTER GRACE PERIOD, CHECK STOPS COMPLETELY
Expedited Reinstatement (EXR)- 5 YEARS Begins
IF YOU WORK AND EARN BELOW $1070 THEN YOU MAY NEVER HAVE A
GRACE PERIODEXTENDED PERIOD OF ELIGIBILITY
(EPE)- 3 YEARS CONTINUES…YOUR CHECK KEEPS COMING!
IF YOU WORK AND EARN OVER $1070 THEN YOU WILL HAVE A GRACE PERIOD
SUPPOSE YOU GET FIRED/QUITIF YOU ARE IN STILL IN
EXTENDED PERIOD OF ELIGIBILITY (EPE) YOUR CHECK BEGINS AGAIN!
Expedited Reinstatement (EXR)
EXR = 5 years
IF QUIT OR FIRED
Check starts AGAIN quickly
9 TWP months
Extended Period of Eligibility (EPE)
3 YEARS
WORK CHECK
Maybe CHECK or NO CHECKExpedited
Reinstatement5 YEARS
THAT’S THE BASICS OF SSI AND SSDI
SSI & SSDI Work Incentives
• Impairment Related Work Expenses– Consumer pays out of pocket NOT DARS– MUST be related to disability– IRWE is approved by SSA and must show receipts
• EXAMPLES– Cell phone IF you use texting at work– Batteries for hearing aids– Hearing aid accessories– Internet on Ipad for VP
SSI Work Incentives
• Student Earned Income Exclusion– Under the age of 22 “student” HS OR College– Can work without SSI deductions–Work and earn $1750 month OR $7,060 year– SSI check should stay the SAME–NO Deductions to check!
THERE ARE MORE WORK INCENTIVES BUT THESE APPLY
THE MOST TO DEAF/HH CONSUMERS
NOW LETS DISCUSS HEALTH BENEFITS…
MEDICAID
If NO SSI, you may qualify for Medicaid 1619(b)- FREE!
Work earnings $1 SSI Medicaid
Medicaid 1619(b)- FREE!
• State of Texas 2014–Work earnings limit is $33,407 annually–Report income to SSA monthly–Keep resources $2000/$3000 for couple***Spouse’s income CAN affect eligibility
If you don’t qualify for Medicaid 1619 (b), Then try Medicaid Buy In (LOW COST!)
Healthcare continues…
SSI & Medicaid$1 of SSI = Medicaid
Work earnings $ increase + -1619 (b)
If you lose 1619 (b)-Medicaid Buy In (MBI)
SSDI & MedicareSSDI = Medicare
Work earnings $ increase +- NO SSDI- Extended
Medicare- Medicaid Buy In
SSDI, SSI, Medicare AND MedicaidSSDI = Medicare $1 SSI= Medicaid
Work earnings $ increase +NO SSDI- Extended Medicare
1619 (b) OR Medicaid Buy In (MBI)
Questions