Overview of the Work Incentives for Social Security Disability Insurance (SSDI)

Transcription

1 Slide 1 Overview f the Wrk Incentives fr Scial Security Disability Insurance (SSDI) June 10, 2010 Presented by: Karla Bell Califrnia Health Incentives Imprvement Prject San Dieg State University Interwrk Institute Slide 2 Overview Disability Benefit Prgrams SSDI Wrk Incentives Incme Reprting Resurces Slide 3 Disability Benefit Prgrams Scial Security Disability Insurance (SSDI) Supplemental Security Incme (SSI) Bth SSDI and SSI = Cncurrent benefits

2 Slide 4 Scial Security Disability Insurance (SSDI) AKA: DI, SSA, Scial Security r Title II Based n wrk, nt financial need Must have wrked lng enugh & recently enugh (FICA cntributins) t becme insured Disabled r blind under Scial Security rules 5 mnth waiting perid Medicare eligible after entitled fr 24 mnths Nt affected by resurces 3 Different Frms: SSDI, Childhd Disability Benefits (CDB), Disabled Widw(er)s Benefits (DWB) Slide 5 Scial Security Disability Insurance (SSDI) Must have insured status n wn wrk recrd At least 20 credits in the 10 years prir t nset f disability Thse disabled prir t age 31 need fewer credits t qualify Pssible t earn up t fur credits per year-ne credit = $1,120 in 2010 The amunt f disability benefits payable under SSDI is determined by the number hlder s wrk recrd The maximum mnthly payment fr 2010 is $2,346

3 Slide 6 Childhd Disability Benefits (CDB) T be eligible fr Scial Security as an adult child with a disability, individuals must be: years f age r lder 2. Disabled by SSA s definitin befre age 22; and, 3. Child f an insured wrker wh is either disabled, retired r deceased. N 5-mnth waiting perid required Benefits nt payable prir t the mnth in which the individual turns 18 Slide 7 Disabled Widw(er)s Benefits (DWB) Paid t surviving spuse f insured frmer wrker wrker must be deceased, nt merely retired r disabled Individual must be disabled per SSA s definitin Individual must be at least 50 years ld 5-Mnth waiting perid applies t DWB payments Slide 8 Supplemental Security Incme (SSI) Federal incme prgram funded by general tax revenues (nt Scial Security taxes) Aged, blind r disabled peple with limited incme and limited resurces U.S. Citizen r qualified alien Incme/resurces f family members r living arrangements may affect eligibility N waiting perid Autmatic Medi-Cal eligibility in CA

4 Slide 9 Hw d I find ut what benefits I receive? Benefits Planning Query (BPQY) Request frm yur lcal Scial Security Office Call the Scial Security Administratin (SSA) at: (vice); (TTY) A Cmmunity Wrk Incentives Crdinatr (WIPA prjects) will request a BPQY fr yu as part f benefits cunseling Slide 10 SSDI Wrk Incentives Trial Wrk Perid Extended Perid f Eligibility Expedited Reinstatement Extended Medicare Cverage Slide 11 Trial Wrk Perid (TWP) Allws yu t test wrk fr at least 9 mnths while receiving full SSDI benefits N limit t earnings during TWP 2010: $720 grss earnings r 80 hurs in self-emplyment = TWP mnth

5 Slide 12 Trial Wrk Perid (TWP) Lasts until yu cmplete 9 mnths (nt necessarily cnsecutive) f wrk within a rlling 60- cnsecutive mnth perid After TWP, there is a 3 mnth grace perid with full SSDI benefits in additin t earned incme (may ccur during Extended Perid f Eligibility (EPE) r after EPE has ended) N ther wrk incentives apply during the TWP Only ne TWP per perid f entitlement Slide 13 Trial Wrk Perid (TWP) Example 2010 TWP amunt is $720.00/mnth January $550 February $550 March $700 April $700 May $800-TWP 1 June $800-TWP 2 July $800-TWP 3 August $700 September $700 Octber $800- TWP 4 Nvember $850-TWP 5 December $825-TWP 6 January $800-TWP 7

6 February $0 March $0 April $0 May $500 June $500 July $800-TWP 8 August $800-TWP 9 Slide 14 What happens after I use my Trial Wrk Perid (TWP)? Yur Extended Perid f Eligibility (EPE) starts the mnth after TWP ends 36 cnsecutive mnths Once EPE starts, it cannt be stpped Key cncept: Substantial Gainful Activity (SGA) 2010: SGA is $1000 in cuntable earnings ($1640 fr a Blind individual) Slide 15 Extended Perid f Eligibility (EPE) First 36 mnths are Reinstatement Perid If mnthly cuntable earnings are ver $1000 nt entitled t cash benefits If mnthly cuntable earnings are less than $1000 then entitled t cash benefits Benefits autmatically reinstated withut need fr new applicatin r disability determinatin During the EPE, wrk activity ver $1000 may nt cause terminatin f benefits nly suspensin

7 Slide 16 Extended Perid f Eligibility (EPE) SGA is nt just a number, it is a decisin Scial Security will cnsider the value f yur wrk There are wrk incentives that yu can use during the EPE t lwer yur cuntable earnings: Impairment Related Wrk Expenses (IRWE) Subsidy r Special Cnditins Unsuccessful Wrk Attempt Incme averaging Slide 17 Impairment Related Wrk Expenses (IRWE) Item r service enables yu t wrk Need item/service because f disabling impairment Yu paid the cst and are nt reimbursed The cst is reasnable Yu paid the expense in a mnth that yu received earned incme r perfrmed wrk while yu used the impairment related item r service The cst may be pr-rated ver a 12-mnth perid fr nnrecurring expenses Examples: expendable medical supplies, vitamin supplements, service animal

8 Slide 18 Impairment Related Wrk Expenses (IRWE) All Impairment Related Wrk Expenses must be verified by yur lcal Scial Security field ffice Prvide them with riginal receipts r canceled checks f the expenses Request in writing in case yu need t appeal Slide 19 Subsidy r Special Cnditins Subsidy: Supprt prvided by yur emplyer Special Cnditins: Supprt that is prvided by smene ther than yur emplyer (i.e., Department f Rehabilitatin, jb cach) As a result f this supprt, yu may be receiving mre pay than actual value f services yu perfrm Slide 20 Subsidy r Special Cnditins This may exist when: Yu require mre supervisin r help frm cwrkers Yu have a reduced prductin rate Yu are prvided with special equipment fr yur jb Yur have irregular wrk hurs and/r take frequent rest breaks Yu have a jb cach Yu have fewer jb duties than c-wrkers in a similar jb

9 Slide 21 Subsidy r Special Cnditins The value f these self-emplyment subsidies can be used as deductins frm cuntable incme: Unpaid help Help prvided by a relative r friend Example: Yu have a candy and magazine cunter in an ffice lbby, a friend helps yu restck the shelves ne hur each day Unincurred Business Expenses Agency r individual has prvided things yur business needs r pays fr certain expenses Examples: pays fr stck, rent, purchase f equipment, utilities Slide 22 SGA Example $ Grss Earnings 20% Subsidy = $ $50.00 IRWE $ $ $50.00=$ $ is less than $ = NOT SGA

10 Slide 23 Unsuccessful Wrk Attempt (UWA) Attempted SGA level wrk in emplyment r self-emplyment Wrk stpped r was reduced t belw SGA after a shrt time (6 mnths r less) because f: Impairment Remval f special cnditins Cnsidered during EPE as part f SGA decisin Slide 24 What happens nce my 36 mnth Extended Perid f Eligibility ends? Slide 25 Yur benefits will cntinue if yu are nt wrking r earning abve SGA Yur benefits will end if yu wrk abve SGA after the 36-mnth reinstatement perid Expedited Reinstatement prvides an additinal 5 years f reinstatement if wrk stps and there is n medical imprvement Expedited Reinstatement (EXR) Previus entitlement t benefits terminated due t SGA Unable t wrk r perfrm SGA due t a disabling impairment Eligible within 60 mnths f benefit terminatin date Up t 6 mnths prvisinal benefits payable during EXR decisin making prcess Medical decisin needed

11 Slide 26 Extended Medicare Cverage Medicare cverage uninterrupted during Trial Wrk Perid Cntinues fr at least 93 mnths after the 9 mnth Trial Wrk Perid After that yu may be able t purchase Medicare cverage Slide 27 ( Calendar with TWP and SSDI Check r NO SSDI Check) 2010 Calendar starting in the mnth f May May $900 TWP 1 June $900 TWP 2 July $1200 TWP 3 August $1200 TWP 4 September $1200 TWP 5 Octber $1200 TWP 6 Nvember $1400 TWP 7 December $1350 TWP Calendar starting in January January $1200 TWP 9 February $1400 Start EPE Grace 1 March $1400 Grace 2 April $1400 Grace 3 May $1535 NO SSDI Check June $1535 NO SSDI Check

12 July $1535 NO SSDI Check August $1400 NO SSDI Check September $1535 NO SSDI Check Octber $1535 NO SSDI Check Nvember $1535 NO SSDI Check December $1535 NO SSDI Check 2012 Calendar starting in January January $1600 N SSDI Check February $1600 N SSDI Check March $1600 N SSDI Check April $1600 N SSDI Check May $1600 N SSDI Check July $1600 N SSDI Check August $0 SSDI Check September $0 SSDI Check Octber $0 SSDI Check Nvember $500 SSDI Check December $500 SSDI Check 2013 Calendar starting in January January $500 SSDI Check February $800 SSDI Check March $800 SSDI Check April $800 SSDI Check May $800 SSDI Check

13 June $800 SSDI Check July $800 SSDI Check August $800 SSDI Check September $1300 NO SSDI Check Octber $1300 NO SSDI Check Nvember $1300 NO SSDI Check December $900 SSDI Check 2014 Calendar starting in January January $900 End EPE February $900 SSDI Check March $1600 TERMINATION April $1600 May $1600 June $1600 July $1600 August $1600 September $1600 Octber $1600 Nvember $1600 December $1600

14 Slide 28 Have yu wrked since receiving SSDI? If the answer is yes: Yu will need t find ut if yu have used sme r all f yur TWP mnths Start by requesting a Benefits Planning Query TWP mnths are ften incrrect in Scial Security s recrds If earnings are shwing, but n TWP mnths have been used, Scial Security must review yur past wrk and make a decisin befre yu can knw hw many TWP mnths are left Meet with a benefits planner t find ut which wrk incentives yu may have used r t get help with a wrk review Slide 29 Incme Reprting Reprt all wages & net earnings frm self-emplyment (NESE) Incme cunted when it is earned, nt when it is paid Reprt new emplyment t yur lcal Scial Security ffice in persn r with a letter Reprt changes in wrk status Generally, yu d nt reprt mnthly with pay stubs Cmplete Wrk Activity Reprt at end f TWP Sme ffices require mnthly reprts with stubs if earnings greater than SGA

15 Slide 30 Incme Reprting fr Self-Emplyment Track incme, expenses, & hurs wrked each mnth Reprt incme annually when tax return is cmpleted Prvide Scial Security cpies f: IRS Frm 1040 Self-emplyment schedules (i.e., Schedule C, SE) Get help frm a Cmmunity Wrk Incentives Crdinatr (CWIC)/Wrk Incentives Planning and Assistance (WIPA) Prject See resurces fr link t find ne in yur area Slide 31 Resurces Talent Knws N Limits Disability Benefits Clseup SSDI Wrk Rules-Disability Benefits wrk_rules.htm

16 Slide 32 Resurces Wrk Incentives Planning and Assistance (WIPA) Prjects Cmmunity Wrk Incentives Crdinatrs (CWIC) Free benefits cunseling (SSDI and SSI) Area Wrk Incentives Crdinatrs (AWIC) Wrk incentives experts Prvide public utreach lcally Train staff at Scial Security ffices Slide 33 Resurces Independent Living Centers-Find an ILC SSA Red Bk-Guide t Wrk Incentives Ticket t Wrk

17 WISE Events Slide 34 Resurces Free Medicare Cunseling (HICAP) Disability Rights Califrnia Prtectin and Advcacy fr Beneficiaries f Scial Security (PABSS) Assistance with appeals, verpayments, prblems with Emplyment Netwrks Slide /TTY Resurces Fr mre infrmatin r questins, cntact Karla Bell at , kbell@interwrk.sdsu.edu T rder brchures r prmtinal materials, cntact Nichlas Mre at , Nichlas.Mre@edd.ca.gv The Medi-Cal Wrking Disabled Prgram Brchure I Can Wrk Brchure