Event ID: 1552711
Event Started: 6/10/2010 4:53:24 PM ET
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Good afternoon thank you for joining us for the overview of work incentives for Social Security disabilityinsurance SSDI webinar. I will pause at several points for questions and when I do please enter your question into the chat window on the right side of the screen. It is in a metal under the public chat window. If you have remaining questions are ones I was not able to get to today, please send them to me via e-mail and I'll get back to you. My e-mail address is located on the last flight. I am Karla Bell with the California health incentives improvement project with San Diego State University enter work and two. We also sent to the PowerPoint out in advance but he did not receive it, please feel free to contact me and I will send it to you. You could also open up the captioning window by clicking on the closed captioning icon in the lower right-hand corner. This window can be resized so you can view the PowerPoint and the captioning. A little background about me. I'm a cook program manager with the California health incentives improvement objector CHIIP brochure and I work on their benefit planning initiative. Before coming to CHIIP I was a community work incentives coordinator through the San Diego, Social Security work incentives planning and assistance program and I worked as a benefits plan and a disability planner navigator for the San Diego one-stop rear centers. -- Career centers. CHIIP is funded by a Medicaid infrastructure grant from the federal centers for Medicare and Medicaid services. Our goal is to increase employment rate of people with disabilities and make sure necessary supports are in place such as access to health care and the ability to use personal assistance services in the workplace. We will continue to offer free monthly webinars so I hope there you will join us again in July. Please note that this webinar and the past webinars are archived on our website, www.talent knows no limits.info. This link is included in the resources section of the PowerPoint. When you open the website, go to the right side of the webpage and click on webinars. Once you open the webinar page, at the bottom of the page will find past webinars. Some of our clients include supplemental security income, SSI work incentives and a 22% working disabled benefit program. Future webinars are listed on our webinar page and our Facebook page. Please check it out. We will send out a survey to you after this webinar thank you for the time to complete it and give us feedback on how you are doing. Let's learn more about the SSDI work incentives.
A question, will this webinar be on the website after today? Yes, it will take three days before this webinar will appear on our website. Great question. Today I will describe the different Social Security disability benefit programs. I will then describe some of the main Social Security disability insurance, SSDI work incentives and we will talk about how to report income to Social Security also am finally getting some online resources to refer to if you have more questions.
Although I will be focusing on SSDI and a SSDI work incentives today, it is important to understand there are two different types of Social Security disability benefits, SSDI and SSI which is a supplemental security income. If you have both, you have concurrent benefits or are concurrent beneficiaries. Both have very different work incentives. And let's learn more about these two benefits. Determining if you receive Social Security disability insurance, SSDI can start with the name, consumers and service providers will use different terms to mean the same thing. Which can getconfusing..Sometimes people refer to SSDI as just Social Security , DI, or SSA, and SSA stands for Social Security administration. Which is an agency that administers this benefit. Social Security, also uses title two benefits for SSDI. It is important to use the correct names for these programs and incentives especially if working with Social Security. Helps a person be a more effective advocate and eliminates confusion.The SSDI benefit is based on work and not financial need. A person must look -- work on another recent enough to become insured for the FICA contributions are payroll taxes that come out of their check. You have to be disabled or blind or invested Social Security rules. There is a five month waiting period before this will begin. SSDI comes with Medicare health insurance, a person will receive Medicare after being entitled to assess DI for 24 months. SSDI Is not affected by resources so you can have as much money in the bank as you want and still qualify as a technically, Bill Gates could receive SSDI if he becomes disabled and in addition to SSDI, there are two other forms of title two benefits which are childhood disability benefits, CDB bar disabled widow benefits or WTD. And a question that Maggie had, what do you mean by concurrent and the individual is receiving Social Securitybenefits and supplemental security income benefits so they are getting both SSI and SSDI benefits at the same time and many people have that. And SDI which is state disability insurance is often frequently confused with the federal benefit disability insurance as well.
How can a person get both SSDI and SSI? Basically, when you apply forbenefits,, Social Security will evaluate to see if you are eligible for assess DI benefits. I will talk about being eligible for thatand based on how much SSDI you are getting, you may be able to get a supplemental security income benefit as well.If you're SSDI benefit is too high, because for SSI they look to see the income from other sources, that unearned income like SSDI is too high, you may not be eligible for SSI benefit as well. It is not too high, you can getboth..First they will see if you are entitled to a title to benefit, SSDI and look at based on how much you're getting for that, if you are eligible for SSI. I will talk about title two benefits right now. A little bit more about Social Security disability insuranceor SSDI. To receive this benefit, you must have had insured status on your own work record. He must have worked long enough and recently announced to build up your credit. You must have at least 20 credits in the 10 years prior to the onset of your disability. Those individuals, disabled prior to age 31, need fewer credits to qualify. To earn one credit in 2010, you will need to have earned $1120. It is possible to burn up to four credits maximum per year.The amount of disability benefits payable under SSDI benefits is determined by individual work record. Therefore, it is specific to that person. Therefore, every person on SSDI will be paid a different amount. The maximum monthly payment for 2010 is $2346 a month.
Another type of title to benefit his childhood disability benefits or CDB. This benefit will also be known as disabled adult child benefits. To be eligible for CDB benefits, the individual must be 18 years or older, disabled by Social Security's definition before age 22 and a child of an insured worker with either disabled, retired or deceased. There is no five month waiting period for CDBlike there is for SSDI. Benefits are not payable prior to the month in which the individual turns 18. One thing to note, CDB benefits will terminate if the person who receives CDB marries a someone who is not also entitled to a title to benefit. So they have to also, SST IR CDB for example, a title to benefit. If they marry somebody who does not have that type of benefit, they are CDB benefits will terminate. -- They are CDB benefits will terminate.
Question from-- children whose parents have passed away, can they get SSDI and if they are younger, than age 18, yes they can get the survivors benefit and then, once they turn 18, if they are disabled, they can continue to collect under childhood disability benefits, CDB benefits that we just talked about.
The third type of title two benefits as disabled widow or widower's benefits or GWB. GWB is paid to surviving spouse have ensured former worker. The individual must be disabled in at least 50 years old. The five month waiting. It does apply to disabled widow benefits.
The other type of Social Security disability benefit a supplemental security income or SSI. This is a federal income program funded by general tax revenues, not by Social Security taxes. It is for age, blind, or disabled people of limited income and resources. The resource limit is $2000 for an individual and $3000 for a couple. You have to be a United States citizen or a qualified alien and income and resources to family members and living arrangements may affect eligibility and the amount you are paid. There is no waiting period for SSI. With SSI you are automatically eligible for Medi-Cal insurance. There is no waiting period for Medi-Cal.Today we are focusing on SSDI but as I said before many people receive both benefits. If you want to learn more about SSI incentives, please visit talent knows no limits.invoke to see the webinar we didn't march on this topic. Also, disability benefits 101 website has information on benefits and it is helpful to learn about applying for those benefits and how work affects both of them as well. The disability benefits 101 website, the link is also included in the resources list in this PowerPoint.
Just to note, we are collecting people's questions to get to when we pause at certain points during the presentation.
The website I mentioned this disabilitybenefits101.org. Now, how many people are uncertain about which benefits a half. To find out what you receive, a great place to start is the benefits of planning query our Vice President Q. I at your local Social Security office and 800 772 it will help you know what benefits you receive and plan to make the right choices. A representative or authorized representative can also represent a BPQI that is a person receiving the persons benefit check for them. They can't request a -- by submitting to information forms. To learn more detail about how to do this, the Social Security Redbook has information on how to request a benefit query and later on in the slides he will seek a link in the resources section to get to the red Hook online. See planning query shows how many benefits you currently have and once you have a -- he could meet with a benefits planner which can help you understand and use the work incentives to your full advantage a work incentives coordinator can request this for you as part of benefits planning she is a benefits planner from a work incentives project and can provide free services for SSD I and SSI beneficiaries there are also local benefits planners in agencies such as independent living centers and the benefits 101 website has a list of benefit planners in California
We will review questions now.
Two of the questions we have are similar, one is, does the disability, I think this is referring back to child disability benefits I talked about earlier and does the disability have to be continued from childhood into children have survivors benefits have to have an existing disabilitybefore they turn 18, to continue to receive SSDI benefits after 18, or is it considered a new case? Now, for childhood disability benefits, a person can get those benefits age 18 or older and they have to have been disabled before age 22. So, the disability has to have started before age 22. Then, if they are, if the children are getting survivors benefits from a deceased parent, and they turn 18, Social Security is going to do a redetermination of the existing case just to verify our see if the child is disabled to verify the disability had started when they were a child and they were able to continue those survivors benefits and those would turn into childhood disability benefits or CDB benefits.
Diane Asked how many years must one work in the lifetimeto be eligible for SSDI, and as I mentioned earlier, a person must have had 20 credits in the 10 years prior to the onset of disability. With the credits, you can earn four credits a year, so basically, if you earn four credits every year, you need to be working at least five years of air to get the tranny credits. -- 20 credits. The basic rule is, 20 credits in the 10 years prior to your onset of the disability and a person can earn up to four credits per year.
I would refer you to the Social Security website, www.SSA.GOP, to get information about survivors benefits, to answer the questions. Once again, the Social Security website, www,ssa.gov and you can search for survivor benefits to find out answers to that an online training available for benefit certification was a question and yes, there are different organizations that offer this type of training. If you Google Virginia Commonwealth University national training Center they do the training for all the Social Security work incentive planning assistance projects and they offer training to certify a person to be a community work incentives coordinator which is a benefits counselor. That training is open to WIPA projects and people in the community as well. Once again, Virginia Commonwealth University national training Center provides that kind of training.
One of the questions, one credit is worth how many months of work? One credit is equal to the earnings of $1120. Once a person has worked and earned $1120, they have earned one credit. $1120 times four gives them four credits. I will go ahead and move on. The
Today I'm going to cover the main SSDI work incentives, trial work period, extended period of eligibility, expedited reinstatement and extended Medicare coverage will also describe some other work incentives that are not listed here.The SSDI work incentives are complex therefore you will probably leave today's training with questions and get you need more information. There is more information on these work incentives and the online resources. Because of the complexities that these rules, I highly recommend you receive benefits counselingif you receive SSDI anti-plan on going towork.. It is especially important if you have worked in the past and you may have used some of these work incentives already.
The trial work period is the first work incentive you may start using when she began working. It gives you nine months to test your ability to work withoutlosing your SSDI check. There is no limit to your earnings during the trial work. You can keep your full SSDI check, and matter how much you work. How do you know if you're using one of the nine trial months? The trial work. Amount determined this which is a number that changes every day. -- Every year. If your gross earning, Social Security is looking at the gross earnings to start, before any taxes are taken out. If your gross earnings are greater than the current trial work. Amount, you'll use a current trial work. Not great trial work. Amount for 2010 in $720 a month or if you are self-employed, and you put in 80 or more hours into your business a month, you may also use a trialwork Mudbrick there is not atrial work Amount for someone who is blind to his 700 to his $700 a month for everybody. All gross earnings count including net earnings for people who are self-employed.
The trial work period Last of the complete nine months and they do not have to be consecutive. For example, you might have to go to work and earn $100 a month but find that you have to quit working after only working two months because you just can't keep up the pace of working. Later, the two months will count third torture trialnine-month work period. Later when he felt well enough to try working again, the first month of your new job will be counted as the third month of your trialwork period And so on. If you have worked in the past, Social Security will look back five years to see a few worked and usednine trial work period Monster in that period. If you worked before, it is important tofind out if you used in a trial work period Months are not worthy have used online or not. After he had used yourwhole nine-month trial work period, There is a three-month grace period -- period With benefits. A three-month grace period may extend during the time of eligibility or after the extended period of eligibility has ended. The extended period of eligibility has ended, as the work incentive that follows the trial work period. We will talk about it more in a couple of slides.Autumn like, what a person on SSDI goes to work, they can receive their SSDI check or nine months and an additional three months which means they can receive a full 12 months of SSDI benefits in addition to their earned income from work. Many people ask if other work incentives can be used during the trial work period Including impairment work expenses which I will talk about sin. The answer is no,other work incentives do not apply during the trial work period Great number get one trial work period Per period Of entitlement. Once you use it, it is gone.
Let's take a look of a example using a person using just their trial work period. This person began working in January for the first four months they worked, their earnings were less than a trial work. Amount of $720. Therefore, they did not start working their trial period month right away. They would still need to report their new job in earnings to Social Security. In May, the gross earnings were $800which is greater than the 2010 trial work period Amount of $720.Therefore, may, as the first trial work period Used. June and July, they continue to earn about the trial work period Amount that would be the second and third trial work period Months. In August and September, they earned $700 gross which was less than 720trial work period Amounts of the did not use the trial work period Month in either of those months. In October, the earnings went up about the trial work period Amount again and continue through January.October was the fourth trial work period Month, November was the fifth, in December was the sixthand January was the seventh trial work period Month. There were no earnings in February through April so no trial work period Months for use in their $800 in July which is the eighthtrial work period Month and again in August, which makes that the ninth and final work period Month. Use. -- Used.We will pause and see if there are any questions about trial work period Before we move on and find out what happens afteryou use your trial work period.
One question we had, the case for the child of the deceased got a one-time allotment for $150 approximately, she does not collect the deceased fathers as a side benefit. She does receive SSDI, and has mental retardation. Should she look into receiving deceased parents benefit? What I would do is put -- verify, start the benefits plan inquiry from Social Securityand verify the SSDI she receives, it might be the childhood disability benefit from a deceased parent. The best thing to do would be to get a benefit planning query from Social Securityjust to verify that she had seen their SSDI on her own record, for her own work history or if it is indeed from her deceased parents record. Then talk to a Social Security claims representative if they are not getting a benefit from a deceased parent and see if they can apply for that and if that would be possible at this time. Start with the benefits planning query.
I have another question from Lauren. If your income never goes above $720, and it stays a $500,would you ever lose your SSDI benefits or could you always learn$500 a month against full SSDI benefits. Great question. I'm going to repeat the question one more time. If your income never goes above $720, and this is a $500, would you ever lose your SSDI benefits or could you always earn $500 a month and get full SSDI benefits?
Second part of that question, yes, a person could, if they earn $500 a month,they are not going to be using the trial work period And technically, they could continue to get SSDI indefinitely. As long as they are still disabled of course. Just a cabbie out, as their earnings are above excuse me below the trial working amount, in this case, $500 a month, they still need to report they are working to Social Security. So a person working and earning $500, they will startusing the trial work period But they will still need to report their income to Social Security and they potentially could keep their SSDI benefits indefinitely as long as they are still disabled.
An individual can only have one trial work period In their lifetime or one trial work period Every five years. Not quite.You can have one trial work period Per period Of entitlement. Once you become entitled to Social Security disability insurance, that entitlement that you have right then,if you use up your trial work period, It is gone forever. That does not mean that you cannot have more than one in a lifetime and I will talk a little bit further into the program about expedited reinstatement.If a person's SSDI gets terminated because of substantial earnings, but they get what is called expedited reinstatement to get back on, to get SSDI benefits back, then they could get another trial work period Through the reinstated benefit. Not necessarily they are going to have one of their whole lifetimebut one per period Of entitlement so once they get on the benefit for that. Of entitlement only one trial work period, It is complicated. I know.
Impairment related work expenses, a question on data that is the last question I would take before I move on, can impair the related work expenses be used to increase thetrial work period Threshold or are they only used after trial work period Months are exhausted? You cannot use it here but related work expensesduring the trial work period They will not apply those detections during your trial work period At all. Only after the trial work period Is done and you move on to the extended period Of eligibility and that is what I'm going to start talking about right now.
What happens when someone uses their trial work period? Once you have used your nine month trial work period, The next work incentive, the extended period Of eligibility begins. It will start the month of the trial work period Ends. The extended period Of eligibility is a three year were 36 month period which is consecutive. Once it starts counting down, it does not stop. The key concept to know for the extended period of eligibility is the substantial gainful activity or SGAfor short. Once you complete your trial work period, Social Security is looking to see if your accountable earnings are at the SGA level or not. SGA is another number. And it changes every year. In 2010, SGA will be $1000 a month for a person who is not blind. Or for someone who is blind, they have a higher SGA amount of $1640. Once again, in 2010, SGA is $1000 a month for a person who is not blind and $1600, $1640 a month for someone who is blind.
Now, the extended period Of eligibility is a 36 month reinstatement.. During the three year reinstatement period any month you are not working are your accountable earnings are less than SGA, you can receive your SSDI check. Any month your accountable earnings are greater than SGA, he will not receive your SSDI check. If you remember, the SGA amount for 2010 is $1000 for someone who is not blind. So if your monthly accountable earnings are over $1000,when you are in your extended period Of eligibility, you will not receive your SSDI check but if your monthly accountable earnings are less than $1000, you will receive your SSDI check. If your earnings are greaterthann SGA through your extended period of eligibility, it will cause the suspension of your SSDI check, not termination. If your check was suspended due to SGA level earnings, but then he stopped working or your earnings dropped you love-- below SGA, your SSDI check cannot magically be reinstated. You will need to let your SSDI claims representative not so they can reinstate your check as soon as possible.And for a trial work period, Do they have a blind, is very special amount for someone blind?No, the trial work period Does not have an amount just for someone who isblind..When the person is in the trial work period, The trial work period Amount is the same for everyone, $720 a month. When someone begins an extended period Of eligibility, Social Security is looking at if a person is looking at this substantial gainful activity are not in 2010, substantial gainful activity equals $1000 for people who are not Latin $1640 for people who are blind. Great question. Next, we will discuss the SGA decision process. And work incentives that can be used as deductions below your accountable income.
During the extended period Of eligibility, Social Security is looking to see if your monthly earnings are greater than SGA or not they can determine if you still receive your SSDI check or not. Now SSDI -- SGA is not a number, it is a decision. Social Security makes the SGA decision they will consider the value of your work and use different tools in this determination process. Some of the tools are the work incentives that can lower your accountable income. So can be used as deductions. Those include impairment related work expenses or IRWE our subsidies and special editions. Other tools include the unsuccessful work attempt and income averaging. Social Security may use averaging if you have variable earnings in which some monthly earnings are greater than SGA and some monthly earnings are less than SGA. Unsuccessful work attempt does not apply and I will talk about unsuccessful work attempt in a few slides. Let's take a look at other tools first.
Impairment related work expenses can be used as detections from your accountable earnings. To qualify to be in impairment related work expense, the item or service must enable you to work. You must need it because of a disabling impairment. You must pay the cost out of your own pocket and not be reimbursed at a cost must be reasonable. The person must also pay for the expense the month they received income or performed work wall receiving or using the impairment related item or service. Once again, the person must pay for the expense of the month they received income or performed work while they used the impairment related item or service. As the cost can be prorated over the 12 month period for non-related expenses. Some examples are expendable medical supplies. Vitamin supplements and costs related to having a service animal. So he paid for any of those costs out of your own pocket, they can possibly be applied as deductions as impairment related work expenses. Now, if you have a larger list of different examples of impairment related work expenses in the notes for the slide and we did send a PowerPoint out ahead of time and if you did not get it, as I'm mentioned earlier, my e-mail will be at the end and you can e-mail me to get that PowerPoint. Also, I mentioned earlier the Social Security Redbook we have a link to in the resources has a great list of impairment related work expenses. Have a link in the resources section of this presentation to the rabbit. I'm going to take a couple of questions and what is the criteria for vitamin supplements? Any type of item and the person is taking, vitamin or mineral -- mineral supplements. This list of criteria that I just talked about, you need to be able to show to Social Security, let them know why the vitamin supplement enables you to work and you need it because of a disability and you are paying the cost yourself. So, there is not an approved list of vitamins supplements but you need to know what type of vitamin supplement it is in the native for a disability. Also, a doctor's note is not necessary. It depends. It depends on a Social Security claims representative. They may or may not require a doctor's note.
I'm going to talk a little bit more about impairment related work expenses that will help answer Rodney's question and I will come back to questions people had about trial work wells. -- Loans. For impairment related work expenses, they all have to be verified by the local Social Security office. What you need to do, be sure to keep, a person needs to keep all the original receipts or canceled checks, invoices of the expenses. It is also a good idea to request in writing, that you would like for them to apply impairment related work expenses as deductions, that you would like for them to consider it. This letter, the proof of information needs to get to your SSDI claims representative and the criteria that was listed in the previous slide, the letter needs to address those. That you need it for work because of a disability and that you pay for the cost yourself. And, it is a good idea to request in writing, in case they do deny your request. That would help you to repeal it -- appeal it because any proof you have in writing would help your case, worst case scenario you need to appeal the decision. An example and I will get to some questions. When I was working, I had a lady I was working with and she had a psychiatric service.. She was able to use the cost of that bills, -- veterinarian bills, grooming, training, dog food and other things as impairment related work expenses. She was great. She tracked her expenses and save her received in a binder and was able to get copies of those to the SSDI claims representative with a written request and they were quite considerable and all those things added up and they were able to reduce her accountable income below substantial gainful activity so she was able to work and keephitting her SSDI check during that extended period Of eligibility because her inherent related work expenses were large enough, once they were subtracted from her gross earnings, to bring them down below SGA. One question, can we include equipment? There are lots of different medical equipment. I am not sure what exactly type of equipment you are talking about Yolanda? You can include durable medical equipment that is what you are talking about, things like assistive technology, any kind of equipment related to disability, helps a person with a disability in a workplace can be included. Like the list I mentioned the Social Security Redbook, that is not the end-all, but as long as you have something that meets those different criteria that I mentioned for impairment related work expenses, those can be approved.Really good question about trial work period. Our beneficiaries automatically notified when they have triggered a trial work month? This goes along with, I will be talking about later, reporting your income. It will not be an automatic thing. He will be contingent upon the person going in and reporting their new job and earnings to Social Security.If the earnings look like they are over the trial work period Month, what happens is, the Social Security claims representative usually puts me computer, a trigger date when they, when the person has been working nine months, they will need to go back and do a work review and they will take a look atthe past months of earnings and see if they are all over the trial work period Amount and then that will be determined by the nine trial work period Are used, it is more of reporting your income in a timely manner , working with the claims representative and when it looks like you'renine-month trial work period Is going to be used, they will do a work review to do the final determination, Social Security will determine when those months were used but is not automatic thingand there is some work there come a work review and work between the person on SSDI in the claims representative. If a person has worked in the past, has ever thought they had ever had a work review art has no idea they have usedtrial work period Sponsor not, it is a great time for them to get the distance planning query and talk to a benefits planning manager get help and see where they stand.
Let's talk about subsidy and special conditions. Another work incentive that can reduce a person's accountable income subsidy or special conditions. They subsidy his support is provided to your employer. A special condition is support is provided by someone other than your employer such as Department of rehabilitation or a job coach. As a result of the support, you made receiving more pay than the actual value of the services you perform. Let's look at some indicators of subsidy or special conditions might exist.
Some indicators that a subsidy or special condition might exist are in a person requires more supervision and help from coworkers. Or if you have a reduced production rate. Austin is a person is provided with special equipment for their job. They have regular work hours or take frequent rest breaks. Or if a person has a job coach. Also, if they have fewer job duties than other coworkers in a similar job.
Now there are a couple of different categories of subsidy or special conditions for someone who is self-employed. These include unpaid help and encourage business expenses. Unpaid help itself that is provided by a relative or friend. For example, if a friend or family member helps you with the bookkeeping for your business for 20 hours per month and you do not pay them. There is a value to the work they do for you. Social Security would take a look at the going rate for a book keeper and multiply that times the hours that were spent doing the books for you. Then they would take that amount and use it to reduce a self-employed person's net earnings for self-employment. Now an occurred business expenses are things that you did not pay for for your business. They are provided by another entity. For example, as Department of rehabilitation helps you start your business by paying for equipment, this is an occurred business is -- this is an unanchored business expense. Under normal circumstances you have this business expense so Social Security would allow that deduction from your net earnings from self-employment. I wanted to grab one question, Rodney asks how often are BPQY updated and the answer is not enough. That is a headset. They are not always updated in a timely manner. A lot of times when it benefits planner is working with someone and they get the benefits planning query, they could help out with that situation and contact a claims representative or what is called the area work incentives coordinator which is a regional incentives expert on Social Security to get the Social Security staff a heads-up that the benefits planning query is not up today. Really, it is a starting point but not always up to date and accurate unfortunately but that is a great question.
These parameters are specific to SSDI correct? I'm going to answer your question and I hope I am understanding the question correctly. By parameters, if you mean the different work incentives, I am talking about, like unpaid health -- unpaid help, business expenses, subsidies or special conditions,these work incentives are for SSDI. Specific to that benefit. Impairment related work expenses, those can apply to both SSDI and SSI. Thank you brownie for clarifying. -- Rodney for clarifying.Unpaid health and unpaid business expenses are specific to SSDI, correct. Thank you Rodney.
Okay. Here is an example of ASTA calculation with both subsidy and impairment related work expense. Now the individual grows earnings are $1200 a month. They are getting extra help on the job. Social Security has determined their work is being subsidized by 20%. With Social Security, as I mentioned before, the work review, they're going to want to collect informationfrom a person on SSDI about subsidy as well as, they are going to request information from the employer as well. They can figure out the value of a subsidy. So in this case, with 20% subsidy, the value is $240 a month. Now they also have a $50 a month impairment work-related expense. Social Security is going to start off $1200 gross earnings a person has as attracted $200 subsidy and a guitar work and impairment related expense of the remainder is $910. This is definitely less than $2000 -- 2010 SGA amount to $2000 to this individual is not doing SGA level work.Therefore, they can continue to receive their SSDI check during the extended period Of eligibility and months for this occurs. Now, these deductions are more important for someone who's earnings are close to SGA. So close to the $1000 a month for non-Blinder $1640 a month for someone who is blind. And it really may not help someone who's earnings are higher such as $2000 a month, just a heads up on that.
Many people are worried to SGA determination may be based on single month of earning over SGA. SGA determinations are rarely, if ever, based on a single month in which a person's earnings exceed the SGA guideline. SGA, substantial gainful activity is really about the person's ability to engage in ongoing pattern of behavior. They are looking for the ongoing pattern when they do the work review. The work review I mentioned a couple of times is usually done initiallywhen a person, the trial work period Isn't it, the extended eligibility has begun, Social Security is doing that review to see if there earnings are above substantial gainful activity. One of the tools Social Security uses to determine if there is a SGA level work as unsuccessful work attempt or UW A. Social Security works to see if SGA level work was attempted but stopped or reduced to below SGA due to a short time of six months or less because of impairment or removal of special conditions. So once again, with unsuccessful work attempt Social Security is looking to see if SGA -- SGA level work was attempted but they had to stop it or reduce the earnings after after -- if SGA after he. A time which is six months or less because the disability, due to a person's disability or a removal of special conditions, like maybe a job coach was removed. Unsuccessful work attemptwas not considered during the trial work period Or after a person has used a three-month grace period I mentionedearlier.. SGA work lasting more than six months cannot be considered an unsuccessful work attempt. If you're working at the SGA level for more than six months you cannot qualify for this. This is another tool used by Social Security to determine SGA once the person is an extended period Of eligibility. CMAC -- CMAC --
A question from Rodney, thresholds are fixed to the dollar example $1001 is over SGA and I believe that is correct. Once you're over $1000, possibly by one dollar, it will be over SGA. Also, does SGA apply to individuals who have OJT? on-the-job training? They are going to look and see depending on the type of work it is. Basically, bottom line, they are looking at a person's gross earnings. Even if it is on-the-job training. And looking to see if they are over SGA or not. If they have any kind of income coming in the SGA applies.
So,once the 36 month extended period Of eligibility ends . Sorry. I got tongue-tied.Once the 36 month extended period Of eligibility begins, your SSDI benefits will continue if you are not earning our above substantial gainful activity. Once the 36 month or three year extended period Of eligibility comes to an end, at the end of it, if a person is not working at all or the earnings are not aboveSGA, the SSDI benefit is able to continue. I worked with a woman who used her extended period Of eligibility over 10 years ago but still received SSDI because she only worked part time and she never earned over SGA. That definitely happens a lot. If you do have work that is above the substantial gainful activity amountafter the 36 month extended period Of eligibility, once it ends, and after,that is when your SSDI benefits will end. They will terminate. But there is a final safetynett that I briefly mentioned earlier. The work incentives expedited reinstatement that provides an additional five years of reinstatement if work stops and there is no medical improvement.
Let's talk a little bit more about expedited reinstatement. So,if your SSDI benefits terminate due to work at the SGAlevel,, expedited reinstatement is a way to get your SS DI benefits back without going through the whole application process again.Here is someone who is use the trial work period, Use the three year extended period Of eligibility and once that ends, you never earned SGA and you are looking at SSDI termination. Once your benefits are terminated, if something happens, you can get those benefits back without going through the whole application process. A five year are 60 month window after your SSDI termination dates use expedited reinstatement. So to qualify for expedited reinstatement, there are a few requirements.First, your SSDI has to be terminated due to your working at the SGA level. It has to be because working at the substantial gainful activity levelthat your SSDI terminated. And then he have to show Social Security if you want to be reinstated, you are unable to work or perform SGA due to a disabling impairment. Due to disability. Social Security, if you apply for reinstatement, there are forms you need to fill out to get expedited reinstatement process going. You need to show them you are not able to work or your earnings are less than SGA that is because of disability. Disabling impairment. And you still have the disabling impairment, and your SSDI was terminated due to work at the SGA level. Now if your disability gets worse and you have to stop working, reinstatement as a safety net for you after termination. As I mentioned, you will need to get a form from Social Security to get expedited reinstatement and once you have requested it, Social Security will give you six months of provisional benefits of their making the reinstatement decision. So you will be able to get the SSDI benefits back while they were doing it. And they are going to check and verify that you are not working for you are earning below SGA and they will verify that you are still disabled. If you are a proof, they will reinstate your SSDI benefits officially and after 24 months of reinstated benefits, at that time,you once again will be eligible for a new trial work period And extended period Eligibility because that was related to the question we had before. A person reinstated as a new untitled and they are able to come after 24 months,get a new trial work period A new period Of eligibility. A
One of the most important questions is what happens to a person's Medicare? The work incentive extended Medicare coverage allows Medicare to continue for 8/2 years when she returned to work as long as you are still disabled. Medicare continues to the nine-month work period In your free medic are -- free Medicare hospital insurance will continue for 93 months afterhe had completed your nine-month trial work period. If you have partly medical coverage, that will also continue as long as you pay the premium out-of-pocket. Soif a person's SSDI cash benefit has stoppeddue to SGA work in the extended period Of eligibility, they will have to pay for the part B. premium out-of-pocket. They will receive a bill for Medicare premiums every quarter. Some individuals may not have today for their part B. Medicare premium if the state is paying for the part B. premium due to a buyout. For example, if a person is enrolled in the 206% -- 250% benefit, the state will pay for the person's part he premium. If a person is in a type of Medicare buy-in program like the Medi-Cal working disabled program, they're going to be paying for out of their own pocket. At the end of the 93 months of the extended Medicare coverage, as a person is still working, they may be able to buy Medicare part a and part B. coverage. If they continue to be medicate -- that continues to be disabled. Once the Medicare covered ends they will receive a notice telling someone to file an application to purchase coverage pretty bad they limited income and resources, there are programs that can help with the cost of premiums. I am going to pause and take some questions that, many more questions before I go through an example of using these incentives. Sumac --
What does being single have to do with keeping your Medicare? I am not sure if you misunderstood something I said. Your marriage status, the extended Medicare coverage has to do with keeping Medicare what you are working for a disabled person who is working. And being single or not does not play into the extended Medicare coverage. Maybe you can clarify the question a little bit Deborah. Let's go on to the next question and see if Deborah can clarify her question a little bit.Next question, Medicare is not available to SSDI beneficiaries who stay under SGA more than 93 months?
So, Medicare is not available to SSDI beneficiaries who stay under SGA for more than 93 months?
Let me go back. A person who, I obliged a couple of examples, answering the question, Rodney.If you are somebody who uses the trial work period And extended period Of eligibility, what you're extended period Of eligibility, the 36 months and, if you are somebody at that .2 is not working are your earnings are below SGA,your SSDI benefit in your Medicare will continue to gowell.. -- Up. It could go on indefinitely as long as you are still disabled. Now,if you used at the trial work period In the extended period Of eligibility and you are still working and earnings are at SGA.At the end of the trial work period, Or SGA somewhere down the road, you are somebody who's SSDI is going to terminate that your Medicare will continue for some time because of the extended Medicare coverage. As long as you are still disabled as well. So for somebody who is at SGA level earnings, one protection they have is the extended Medicare coverage that even though they are earning SGA,their Medicare will continue for 93 months past the trial work period. And then, once the 93 months and, if the person is still disabled, they could be able to purchase Medicare coverage.
Okay. Here is an example of someone on SSDI using the work incentives over many years. So they started work in May 2010 and their earnings were $900 gross amount.They are over the $720 trial work period Amount. Their earnings continue to be over the trial work period Amount for the next nine months and therefore the trial work period Ended in January 2011. Now, this person, they went to work and they reportedtheir new jobs and earnings right away to the SSDI claims representative. But it was close to the time when it looked like the trialwork period Would end, Social Security would it work review at that point. They are going to the definite determination of when the trial work period Months were used and when the extended period Of eligibility begins and then do the SGA termination to see if the people are earning over SGA or not.
In this case, this person's extended period of eligibility or EP for short, began in February 2011.Remember, that is a 36 month executive period That follows the trial work period. Their earnings in 2011 or $1400 a month which is greater than SGA. Social Security today work review as I mentioned in this individual in this example do not have any work incentives or any tools that can be used to lower their countable income. Social Security decided they definitely were earning SGA leveland decided to suspend their SSDI check due to SGA level earnings. Before the check is suspended,they will have a three-month grace period I mentioned earlier which will be February, March and April 2011. That allows them to keep getting their SSDI check for a grace period Of three months before to suspend great -- once the grace period And, the SSDI check . In May 2011. The person will only have earnings from work to use to pay for all of their expenses. You may have heard the turn -- term class -- cash cliff. This is the infamous clash -- cash cliff. This is a reason to get earnings advice. They need to prepare for the loss of their SSDI check can be certain they can pay for all of their expenses on their wages of work alone. Their earnings continue to increase into 2012. They are not receivinga SSDI check until August 2012. And this is where they have a period For the disability gets worse and many take some time off. Because they are in the extended period Of eligibility, they will need to let their SSDI representative know about the change in earnings and let them know they stopped Wernick -- working as soon as possible so the check can be reinstated.During this extended period Of eligibility you can get your -- you have to keep your SSDI claim representative informed to keep them updated. To get the check reinstated. Or if you check his reinstated in your earnings go back up over SGA, you need to let them know. So they can stop your checks the docket overpayment. -- So you don't get overpayment.
No, they began working in November 2012 was earnings that are less than SGA and they will continue to receive their SSDI check and in September of 2013 there feeling better and their increased hours of taken earnings above Tran --SGA and therefore their SSDI check is suspended. I am going to refresh the slides.
To the help -- did that help with the slides? Does EC back on referred to extended period of eligibility or after. EC back on refers to the expedited work and stay -- work incentive I mentioned earlier. Refresh the slides one more time and see if that helps. CNet --
So I'm going to continue now. So in September 2013, the increased hours have taken earnings above SGA and therefore the SSDI check is suspended. They reported the change are links to the representative Anna January 2014, they are 36 month period Of eligibility ends and they will be able to receive SSDI until they go above SGA can because they were doing SGA levels in December January or February. But, if they go above SGA again, in March 2014. $1600 a month. What this means, this will officially terminate their SSDI in March 2014. Now, Medicare will continue with extended Medicare coverage as I mentioned before and if they want to find out the exact dates their Medicare will end, they can get that information from a SSDI claims representative or an area work incentives coordinator. I will have a link to find a area work incentives coordinator and a little bit, and the resources. Remember, if something happens within five years of determination date, and the disability gets worse so they cannot work or earnings drop below SGA, they can request expedited reinstatementfrom Social Security to get the SSDI back. This is just one example. Of someone using SSDI work incentives. Everybody's situation is going to be different. That is why it is a really good idea to get benefits planning.
So the first month after the extended period Of eligibility ends and they earn above SGA, cash benefits are terminated. Now, if the person, it is another one of those, yes but there is a little bit of extra on there. Like in this example, this person had been earningSGA for these three years and they had used the grace period At the beginning of the extended period Of eligibility so when the extended period Of eligibility ended, for them, the first month they went overSGA once the extended period Of eligibility had ended, that was going to be determination monthand when the SSDI terminated and that cash benefits terminated. There might be, like I said, this is oneexample..If somebody finished the extended period Of eligibility, had not used the grace period The three-month grace period Yet, and down theroad,, they were ending -- they were earning a substantial gainful activity, Social Security will do the work review for them andthat they have not used the grace period Before, they might use the grace period Then, after the 36 months ended.So they would get three more months of SSDI and then they are going to terminate. So, it is complicated and it depends on the situation and where the SGA earnings fell and of course, the final word was Social Security and the work review. What is EC back on that Rodney had mentioned? It is a term that Social Security and other had used for the expedited reinstated incentives. A person does not have to go through the whole application process again. They can use reinstatement to get back on SSDI if they need to after termination.
Okay let's talk about more information about working in the past,we have been on SSDI. If someone has worked since becomingentitled to SSDI, it is especially important for them to find out if they had used any of the trial were period Or extended period Of eligibility. No one wants any surprises when they are returning to work. To start this process, the person should request the business -- benefits planning query in this will be the starting point to find that the person has usedany trial were period Months or not. Just be aware, the trial work months are not up to date and Social Security's records. I mention this earlier. The benefits planning queries are not always up to date. So, the person may have worked in the past and they work review may not have been completed or maybe income was not reported correctly were reported at all. At the bottom of this benefits planning query document, it is a two-page document, there is a section that lists earnings. The red flag for a person could be, if you see earningsbut you do not see any trial were period Months that are indicated on the benefits planning query that has been used, that is a red flag for you to contact Social Security to have it work review done to find out how many have been used or if there are any left. A community work incentives coordinator or benefits planner in your area can assist with this process. And they can be invaluable at a time like that. I have seen people that were not awarethey had user trial were period And extended period Of eligibility many years ago they took a job and earned over SGA and all of a sudden found that they were looking at termination from their SSDI benefits. Nobody wants that surprise. So meeting with the benefits planner can really help. Plan ahead and not have a rude awakening like that. Benefits planning query document I am mentioning, the disability benefits 101 website, you can see an example of the benefits planning query on the website. Just a great place to get information.
Dallas talk a little bit about reporting your income. Social Security. When you go to work, you are responsible for reporting your new job and income to Social Security. Remember, if you have a representative payee, they are responsible to report any changes to your income. You will need to report all wages and net earnings for self-employment. For SSDI, income is counted when it is earned and not when it ispaid.. It is best report new employment to Social Security office in person or with a letter. And I say both are better. In person with a letter. And, information about your new employer is, the date your job started, how much you are earning, copies of your pay stubs. Always keep copies of anything you provide to Social Security because I have heard many horror stories about providing pay stubs and getting them lost. It happens. It is good to keep copies for your records in case something happens like that. It is a good idea to buy a three ring binder, get some dividers and plastic page protectors and use this azure benefits binder to start collecting all of your correspondence to Social Security. Keep your pay stubs in one place, copies of letter she sent to Social Security and in a letter sent notices of action you receive from Social Security or any other agency that you get benefits from in one place. Also we recommend you including a book in there. In another, any time you talk to Social Security or go to the office, note the date and the time in the name of the person you spoke to. That is great to have all that down for your records. It is really invaluable to help you in if you ever have to appeal a decision they make. Always report any changes in your work status. Such as increase in hours or wages, change of employment or end of employment as well as beginning of employment. Yes, as Rodney said, especially if you are concurrent. A heads up if you're somebody concurrent, somebody getting both Social Security disability insurance and supplemental security income benefits. The thing to be aware of,SSI and SSDI in the same Social Security office, usually does not share information. When you go into report your job and changes in your earnings in each report twice.Always be sure to report to both SSDI claim representatives and they SSI claims are presented. Just to be safe. Seem it what happens if a person has not reported because the wages are and because they are lower than SGA? The rule is, no matter how much you are earning, you all states report so I would get into Social Security as soon as possible and let them know you have been working so they can collect that information about your work history and their budget work review into a decisionand see if you can do your trial were period Month or not. It doesn't matter if your earnings are lower than SGA you still need to report the earnings to Social Security always.
Another thing, would you report any changes in earnings, new jobs a Social Security office, be sure to get a receipt for proof. Be sure to get a receipt from them for your leave because -- in case they seeded up group -- report, you can provide that proof in the future. That helps in things like appeals. And then, in general,a person on SSDI does not have to report monthly to Social Security. For somebody on supplemental security income, they usually have to report monthly. But, the best thing is, just a claims representative of a way to report since every office can be different about the protocol for reporting. Then, write the information down in your notebooks are you always have that to refer to.At the end of your trial were period, Like you mentioned before, Social Security will have to complete a form called the work activity report. That is a work report. This is part of the SGA determination process I mentioned before in this form will ask you about your earnings will ask you if you have any impairment related work expenses, any possible subsidies or special conditions. The claims representative can determine if you are earning over SGA or not. A community work incentives coordinator or benefits planner can be great help if you have questions about the process. How often do you report your earnings to Social Security? Bottom line, any time you start a new job or anytime you have changes to your earnings, you need to get in there and report. As soon as possible. Don't go more than one month as possible. Once you have reported, for people on Social Security disability insurance, what you have reported, image talk to the claims representative to find out from them how long -- often a way to report why forward. As I mentioned before, every office can be different.In general, for SSDI they are not looking for monthly reports that some officesdo.. It is really best to open up the lines of communication with the claims representative and find out from them. Wonderful question. Scenic --
If you are self-employed, you will be -- it will be important for you to track your income, expenses and hours worked each month.The amount of time he spent working in your business can trigger the use of a trial were period Month, even if you lost money or you just broke even in terms of profit for that month.As I mentioned before, for trial were period Month, if you put 80 hours or more into your business, that can count as a trial were period Month for someone who is self-employed. When you start your business you will need to notify Social Security. Individuals who are self-employed will report their income annually on the tax return is completed. They will need to provide Social Security with copies of their IRS form 1040 and self-employment schedules for such a schedule C. and schedule SE.The trial were period In the SGA determination can be based on net earnings from self-employment. Profit and loss statements. A person's tax returns. And the hours worked. I really highly recommend getting help and advice from a community work incentives coordinator since self-employment and the work incentives can be so complex. CMAC --
Some questions that came up. Q. estimates carry over with SSDI like withSSI?? I think Rodney is talking about a person who is self-employed, for supplemental security income, what they do is ask for an estimate about when you start your new business and estimate how much you are going to be earning and they adjust your check accordingly. This is for somebody on supplemental security income and at the end of the year, they go back and see how much your actual net earnings from South -- self-employment were and see if you are underpaid or overpaid.Now SSDI, they don't necessarily do that the same way. Basically, annually they have you report annually at the end of the year ended with his tax returns andwith the information they will determine if trial worked period Was used and if you are earning above substantial gainful activityand extended period Of eligibility. If you get approved for SSDI at the same time or shortly after you get a job , can this cause you to lose your SSDI? Excellent question. You have to be careful.If you are somebody who is applying for SSDI , if you go to work and earn over SGA, this can be a problem.Part of that problem -- disability determination process to get on SSDI, they are looking to see if you are working and have earnings over SGA. A person can get on SSDI of their earnings are less than SGA. It is not that you cannot work at all but yourearningssduty to be less than SGA. If you get a job shortly after you get SSDI and they have not done what is called a final disabilitydetermination,, if it is too close to the time of her onset of disability and you have earnings over SGA, that can cause them to reopen the decision and lose the SSDI. This is another one that is complicated and I really recommend talking to a community work incentives coordinator or benefits planner to talk this through. The
So, just a few resources to go over before we finish up. As I mentioned before, website, www.talenknowsnolimits.info and www.disabilitiybenefits101.org in some benefit calculators to estimate where you can estimate how work is going to affect your benefits over many years. They have a great example. Here is a close-up SSDI work rules. An example of somebody using SSDI work incentives. Also, as I mentioned many times,if you are on SSI or SSDI and you are going to work, take advantage of the free benefits counseling they offer. This link, you can find a community work incentives coordinator with fake work incentives planning assistance project in your region. As a mentioned a few times, area work incentives coordinator Street this is another excellent resource. They work for Social Security and they usually have been working as claims representatives for many years and they are especially trained in the work incentives that are true experts. They did public outreach and they train the staff of Social Security and they also consult and help in complex work incentives cases and situations and they are definitely available to talk to people onSSI and SSDI that have questions about the work incentives are having problems as well.
Independent living centers throughout California, many of them have benefit planners as well and this link, you can find one in your area. Also the Redbook, if you have not checked out the Redbook yet, take a look at it. It is Social Security's guide to all the work incentivesfor SSI and SSDI. And to get to work, I did not to talk about that today butif you are on SSI or SSDI and you want to go to work, you can use the ticket to work program to work with an employment network or Department of rehabilitation to help you get a job. So your ticket to work.org has information on finding an employment network in your area and the phone number on there, if you aren't sure if you have a ticket to work, you can call an agency called Maximus and get the phone number on the website to get a ticket. The work incentives and an assistance programs are called to wise events. Were they talk about the work incentives and you can meet the employment network as a person. Now, Medicare is complicated and if you ever need counseling, a program provides free Medicare counseling. To find out more about part D. prescription plans or how Medicare interacts with different insurance programs such as employer-sponsored insurance or Medi-Cal, the counselor can help you. The California health advocates.org website also has great information and fact sheets on Medicare. If you need free legal assistance or advocacy, disability rights California protection and advocacy for beneficiaries of Social Security is incredibly helpful. And they could not do with appeals, overpayments or problems with employment networks, just to name a few things. We have the phone number and Web address right here.
We have run out of time for today and Rodney, I would recommend that you call me or e-mail me with your question because I was not clear about it so please definitely give me a call or an e-mail to question you had to give me a little bit more detail and I would love to answer your question. I like to thank everyone for joining us today and everyone is welcome to give me a call. My phone number is right here or it 619 -- 594 -- 5381. In my e-mail, email@example.com and we have brochures you can get from Nicholas Moore. We have brochures on Medi-Cal working disabled program, the ICANN work or sure, general resources for going to work on there, employee must support, benefits planning, those can be sent to you free of charge. I look forward to you joining us the next webinar in July and thank you for your questions and have a great day of please fill free to contact me if you have any other questions. Thank you. Take care. CMAC -- CMAC -- -- --