2019 Financial Inclusion & Disability Resource Summit Presentation
-Gain more insight and learn about opportunities that are available for persons with disabilities
1. 1
Resource Opportunities
Discover new resources and opportunities
for persons with disabilities
FINANCIAL INCLUSION &
DISABILITY RESOURCE
SUMMIT
MAY 3, 2019
2. 2
WELCOME &
INTRODUCTIONS
Karen MacDonald, Interim Chief
Programs Officer-Community and
Economic Development
Wayne Metro Community Action Agency
Denise Steele, Community Reinvestment
and Community Partnerships Officer
JPMorgan & Chase Co.
3. 3
JPMORGAN CHASE & CO.
September Hargrove, Vice President, Program
Officer for Global Philanthropy
JPMorgan Chase & Co.
4. 4
CITY OF DETROIT
Charity Dean, Director of Civil Rights, Inclusion
and Opportunity (CRIO)
City of Detroit
5. 5
DON’T FORGET TO USE OUR HASHTAGS TO
CONNECT AND SHARE TODAY’S DISCUSSION!
#WayneMetro-FIDRS
#DisabilityAwareness
#PathwaysToFinancialSuccess
#JPMorganChase
6. 6
WAYNE METRO COMMUNITY
ACTION AGENCY
Karen MacDonald, Interim Chief
Programs Officer-Community and
Economic Development
Wayne Metro Community Action Agency
8. 8
Mission
Guided by our belief that no one
should live in poverty, Wayne Metro
empowers people and communities to
be strong, healthy, and thriving.
Vision
Through our work to diminish poverty,
we envision communities where all
people have hope and opportunities
to realize their full potential.
10. Why Are We Here?
Creating a Better Financial Future for People with
Disabilities
Michael R. Roush, M.A., AFC
Director, Real Economic Impact Network
National Disability Institute
11. National Disability Institute
National Disability Institute envisions a society where
people with disabilities have the same opportunities to
achieve financial stability and independence as people
without disabilities.
www.nationaldisabilityinstitute.org
11
12. NDI’s Real Economic Impact Network
• An alliance of organizations & individuals dedicated to advancing
the economic empowerment of people with disabilities.
• Consists of more than 4,500 members located throughout the
United States.
• Includes non-profits, community tax coalitions, asset development
organizations, financial education initiatives, corporations &
private-sector businesses, federal/state/local governments &
agencies, and individuals & families with disabilities.
• All partners join forces to embrace, promote & pursue access to &
inclusion of people with disabilities in the economic mainstream.
Learn more about the REI Network at
www.nationaldisabilityinstitute.org/capacity-
building/partnerships/
13. Why are we here?
• To Learn
• To Build a Bridge
• To Reduce Poverty and Advance Financial Inclusion
among People with Disabilities
• To Discover New Resources and Opportunities for
People with Disabilities
14. The Promise of the Americans with
Disabilities Act (ADA)
“…the Nation's proper goals regarding individuals with
disabilities are to assure equality of opportunity, full
participation, independent living, and economic self-
sufficiency for such individuals…”
15. Do not get swept up in Stereotypes
• People with disabilities are all ages, come from diverse
cultures and financial backgrounds.
• Not all people with disabilities are on or receive benefits such
as Supplemental Security Income (SSDI), Medicaid etc.
• Some people with disabilities work.
• Some people with disabilities have families.
• Some people with disabilities own homes and other
properties.
• People with disabilities have goals and dreams.
• Not all people with disabilities necessarily want or need
assistance.
Debunking Myths and Stereotypes
16. Economic Situation of Adults with Disabilities
• People with disabilities are more likely to have disability-related expenses
and lower household incomes which leads to financial stress;
o Almost half have household incomes under
$35,000.
• More likely to have lower levels of education
and live in poverty
• Many are not employed or are in low-wage jobs
o Only 37 percent employed compared with
79 percent of others
o Many work part-time
16
17. The Need for Financial Empowerment
17
• 23% of people in poverty have a disability
• 1 in 4 people with a disability live in poverty
• Disability is both a cause and a consequence of poverty
• Poverty and disability reinforce each other
• People of color with a disability face an even harder
economic reality
• 37% of African Americans with disabilities live in poverty;
24% of Non-Hispanic Whites; 29% of Latinos and 19%
of Asian-Americans.
• Historically have not had access to targeted financial
capability strategies; and
• Face myths that limit their financial empowerment.
19. Opportunities and Resources to Building Financial
Inclusion for All
Resource Mapping:
A Strategy to Enhance Collaboration
and Referrals
19
20. Resource Mapping
• Resource mapping offers a strategy that can help leverage a community and
organization's capacity to serve individuals.
20
21. Resource Mapping
Importance of Resource Mapping
• Enhances cross collaboration between agencies working
towards the same goal of economic self-sufficiency.
• Enhances referrals to other organizations that can assist an
individual in achieving their goals.
• Creates an opportunity for soft referrals vs. hard referrals
21
22. Soft Referral vs. Hard Referral
• Soft referral (soft hand-off) – a referral with another
organization that the counselor, case manager, or employment
specialist has a key contact with at another organization to
refer the individual to.
• Hard referral – a referral with another organization that the
counselor, case manager or employment specialist has no
contact with or relationship with when referring the individual.
22
23. HOW DO WE GET STARTED TO DO RESOURCE
MAPPING?
23
24. 24
GOAL
Public Benefits &
Work Supports
Employment
FreeTax
Preparation & EITC
Financial Education
& Financial
Coaching
Asset Development
5 Key Strategies to Financial Well-being
25. Resource Mapping
Step 1: Identify the resources that fall under each strategy
Step 2: Identify the resources and tools for each strategy that are currently offered by your
organization.
Step 3: Identify providers in your community that support each strategy and the resources
and tools identified in step 1.
Step 4: Analyze the gaps and begin to create a strategy to learn more about those
organizations that you may not be familiar with.
25
26. Resource Mapping Tips
• Start small so it is manageable in the beginning;
• Focus on the key areas first and then incorporate new topic
areas;
• Remember that it is not only about identifying the resource but
also cultivating a relationship if you do not have one currently
established. This will create opportunities for soft referrals and
the blending and braiding of resources.
26
27. • "We are caught in an inescapable network of mutuality, tied in a single garment of
destiny."
— Martin Luther King, Jr.
• "The miracle is this: The more we share the more we have."
— Leonard Nimoy
• “We are resource rich and access poor.”
— Jo Ann Nesbitt
27
28. QUESTIONS
If you have additional questions, comments or
looking for resources –
send an email to ask@ndi-inc.org
28
30. 30
RESOURCES THAT
WORK
Advancing Financial Inclusion and Prosperity of People with Disabilities
Denise Steele, Community Reinvestment
and Community Partnerships Officer
JP Morgan & Chase Co.
PANELIST
31.
32. 32
RESOURCES THAT
WORK
Advancing Financial Inclusion and Prosperity of People with Disabilities
Patricia Avery, Financial Empowerment
Program Specialist
Consumer Financial Protection Bureau
PANELIST
33. 33
RESOURCES THAT
WORK
Advancing Financial Inclusion and Prosperity of People with Disabilities
Paul Landry, Director of Employment
Benefits Counselor/CWIC and Project Manager
United Cerebral Palsy of Metro Detroit
PANELIST
35. Social Security Disability Insurance (SSDI)
Supplemental Security Income (SSI)
SSDI (FICA)
Insurance Program based on the individual's
work history or on a parent’s work history
No resource limits
Comes with Medicare after 24 months after
date of entitlement
Must apply for Medicaid through MI
Department Health & Human Services
SSI No Work History
Needs based program
Federal Benefit Rate $771.00 Individual /
$1,157 Couple
Resource limits
$2,000 Individual
$3,000 Couple
Comes with Medicaid automatically in
Michigan through MI Department Health &
Human Services
Some individuals may receive benefits from
both programs at once.
36.
37. Who is Eligible???
Any individual who is already receiving disability benefits from Social
Security.
Considering Employment
Currently Employed
**Wants to Transition from receiving
Social Security’s disability benefits
38. What WIPA can do for you?
Assist in understanding how your benefits are affected by being employed.
Areas include:
Supplemental Security Income (SSI) cash benefits
Social Security Disability Insurance (SSDI) cash benefits
Medicare, Part A, B, C, and D
Medicaid
Private Health Insurance
Short/Long Term Disability Insurance
Worker’s Compensation
Unemployment Benefits
Veteran’s Benefits
Housing Subsidies
Food Assistance
39. Benefit Counseling Services
Develop Benefit Analysis and Summary
Develop Work Incentive Plan
Developed Work Incentives
Assist with completion of Work Activity Reports from SSA
Problem solve Medicaid issues
Benefit Analysis can be Developed / Revised at anytime!!!
40. SSA Resources
www.ssa.gov
www.ssa.gov/work
2019 Redbook on Employment Support: A summary guide to
employment support available to people with Social Security Disability
Insurance and Supplemental Security Income Programs. Social
Security Pub. no. 64-030
www.yourtickettowork.com
41. Paul T. Landry
Director of Employment Programs /
Benefits Counselor - CWIC
plandry@ucpdetroit.org
248-557-5070 ext. 113
42. 42
RESOURCES THAT
WORK
Advancing Financial Inclusion and Prosperity of People with Disabilities
Jasmine Fews
Communications Representative
Michigan Developmental Disability Council
PANELIST
43. 4THCOFFEE
M i c h i g a n
D e v e l o p m e n t a l
D i s a b i l i t i e s
C o u n c i l
O u r C o m m u n i t y I n c l u d e s
E v e r y o n e
44. 4THCOFFEE
What is the Developmental Disabilities
Council?
• The DD Council is 21-member group appointed by the Governor and empowered by federal and state law
to advocate for people with intellectual and developmental disabilities (I/DD). The law that drives this
commitment is the Developmental Disabilities Assistance and Bill of Rights Act as amended in 2000.
• Membership includes people with disabilities, family members, professionals from state and local
agencies.
• Congress created DD Councils; one in each state and territory, to change service systems to better
respond to the needs, wants and desires of people with I/DD and develop advocacy strategies to make
change happen.
• Partner organizations are Michigan Protection and Advocacy and Michigan Developmental Disabilities
Institute at Wayne State University
45. 4THCOFFEE
The Purpose of DD Councils
• “The purpose of this title is to assure that individuals with developmental
disabilities and their families participate in the design of and have access to
needed community services, individualized supports, and other forms of assistance
that promote self-determination, independence, productivity, and integration and
inclusion in all facets of community life, through culturally competent programs
authorized under this title, including specifically State Councils on Developmental
Disabilities in each State to engage in advocacy, capacity building, and systemic
change activates…”
46. 4THCOFFEE
About the
Michigan DD
Council
• Mission: The Michigan Developmental
Disabilities Council’s mission is to support
people with developmental disabilities to
achieve life dreams.
• Vision: The Council’s vision is that all
citizens of Michigan have the opportunities
and supports to achieve their life hopes
and choices.
• Overarching Principle: People with
disabilities are supported across their
lifespan to live self-determined and self-
directed lives in a diverse and inclusive
community
47. 4THCOFFEE
Core Values That Guide
the Council’s Advocacy
Work
• Including people with high and
complex support needs in all
activities
• Self-direction and self-
determination
• Consumer’s voice at the policy table
• Economic justice and addressing
poverty
• Community inclusion
• Recognizing the rights of people
with I/DD
49. 4THCOFFEE
Action Teams
& Committees
• Employment first
• Employment First is a state and national
movement to help individuals with I/DD
realize their fullest employment potential
through the achievement of individual,
competitive integrated employment
outcomes.
• Employment First meetings are held the
first Wednesday of each month.
• Teleconference information
• Dial in: 877-873-8017
• Access code” 7545682#
• Statewide self-advocacy teleconference
• This is an opportunity for self-advocates
around the state to discuss issues that
impact individuals with I/DD. It is open to
everyone and we encourage open
discussions so that other advocates can help
solve issues presented at the meeting.
• Meetings are held the 4th Thursday of each
month at 1:00 p.m.
• Teleconference information
• Dial in: 877-810-9415
• Access code: 9927866#
50. 4THCOFFEE
Action teams
& Committees
• Supported decision-making
• An advisory group made up of individuals
from a variety of agencies have worked with
Council staff. If you are interested in getting
involved in or participating with the
Supported Decision-Making Advisory group.
Please contact Mary Shehan-Boogaard at
517-284-7288 or
ShehanBoogaardM@michigan.gov
• Public policy committee
• During the call we discuss important
legislation and policy issues impacting
persons with disabilities. This covers state
and federal legislation, state and federal
policy, the 298 pilot projects, Home and
Community Based Service (HCBS)
implementation, and changes to Michigan
Medicaid program.
• The teleconference is held the first Tuesday
of the month at 10:00 am unless there is a
council meeting, then it starts at 9:00am.
Check our website for council meeting
dates.
• Teleconference information
• Dial in: 877-873-8018
• Access code: 4822051#
51. 4THCOFFEE
All meeting information is
available on the calendar of
council meetings and
upcoming events section of
our website
www.michigan.gov/DDcouncil
52. 4THCOFFEE
Empowerment Fund
The DD Council
empowerment fund
provides money to support
people with I/DD and family
members to attend
conferences, seminars, and
trainings to gain access to
opportunities, experiences,
resources and information,
to actively participate in
decisions that impact them
personally.
This is a reimbursement
process that can be used
to help offset the cost to
people with I/DD and
family members.
Applicants may receive up
to $500 for in-state events
and $1000 for out of state
events.
53. 4THCOFFEE
Upcoming Events
• The 2019 Michigan Annual Peer Conference People, Purpose and
Passion is May 29 – 31 at the Lansing Center located in Lansing,
Michigan. The conference is inclusive to anyone interested in attending.
Michigan peer conference
2019
• National guest speaker, Sean Roy, will lead trainings for employment
programs, VR counselors, CMH staff, educators, and other professionals
around engaging families in the employment process. Trainings will be
9/16 in Troy, 9/17 in Grand Rapids, and 9/19 in Marquette
Employment Family
engagement Train-the-Trainer
• Three train-the-trainer workshop are in planning stages. During these
workshops, participants will receive a Supported Decision-Making
Resource Manual and learn how to use these tools in their local areas.
Supported Decision-Making
• The Council worked with nationally recognized expert, Katherine McLaughlin,
during its Sexuality Education Initiative. We are planning another opportunity for
local agencies to field teams of parents, professionals, and self-advocates from
around the state. The next team event is scheduled for October 2019.
Sexuality Education Initiative
55. 55
RESOURCES THAT
WORK
Advancing Financial Inclusion and Prosperity of People with Disabilities
Christopher Methner
Area Work Incentive Coordinator-Area III
Social Security Administration
PANELIST
57. SocialSecurity.gov
• Employment support provisions that assist
beneficiaries in moving from benefit dependency
to independence
• Designed to help beneficiaries enter, re-enter, or
stay in the workforce by protecting their eligibility
for cash payments and/or health care
What are Work Incentives?
60. SocialSecurity.gov
To meet our definition of disability, you must be unable to
engage in any substantial gainful activity (SGA) because of
a medically-determined physical or mental impairment(s):
• that has lasted or is expected to last for a continuous
period of at least 12 months, or
• that is expected to result in death.
Disability Defined
Note: There is a separate definition of disability for children (under age 18)
who are applying for the Supplemental Security Income (SSI) program. A
disabled child also qualifies for the SSI employment supports.
61. SocialSecurity.gov
• “Substantial gainful activity” (SGA) is a term used to describe
a level of work activity and earnings. We generally use
earnings guidelines to evaluate whether your work activity is
SGA.
• If the impairment is anything other than blindness, earnings in
2019 averaging over $1,220 a month generally demonstrate
SGA.
• The SGA amount in 2019 for blind individuals is $2,040.
• SSI only uses SGA as a measure of work during initial claims.
• SSDI uses SGA throughout the life of the claim.
Substantial Gainful Activity
62. SocialSecurity.gov
Contents
• Subsidies and Special Conditions
• Unsuccessful Work Attempt (UWA)
• Impairment-Related Work Expenses (IRWE)
• Plan to Achieve Self-Support (PASS)
• Ticket to Work (TTW)
• Expedited Reinstatement (EXR)
SSDI and/or SSI Employment Supports
63. SocialSecurity.gov
What is a subsidy?
• A “subsidy” is support provided by your employer that may result in
you receiving more pay than the actual value of the services you
perform.
What are special conditions?
• “Special conditions” refer to support and on-the-job assistance
provided by your employer, or by someone other than your
employer, for example, a vocational rehabilitation agency. Because
of this support, you may receive more pay than the actual value of
the services you perform.
Subsidies and Special Conditions
64. SocialSecurity.gov
Unsuccessful Work Attempt (UWA)
An Unsuccessful Work Attempt (UWA) is an effort to
do work, in employment or self-employment, which
you stopped or reduced to below the SGA level after
a short time (within 6 months) because of:
• your impairment, or
• removal of special conditions related to your
impairment that you needed to help you work.
65. SocialSecurity.gov
We deduct the cost of certain impairment-related items and
services that are needed to work from gross earnings when we
decide if your work is SGA.
Example:
Beneficiary is earning $1200.00 per month in gross wages. His
monthly co-pay for his medications is $75.00.
$1200 - $75 = $1125 - This is countable income when
determining SGA.
Impairment-Related Work Expenses (IRWE)
66. SocialSecurity.gov
Impairment-Related Work Expenses (IRWE)
Type of Expense Example
Transportation Costs The cost of structural or operational modifications to vehicle that is needed to travel to work.
The cost of driver assistance or taxicabs if public transportation is not available or not accessible.
Attendant Care Services Services performed in the work setting. Services performed to help prepare for work, the trip to and
from work and after work.
Service Animals Expenses paid in owning a guide dog or other service animal that enables beneficiary to overcome
functional limitations in order to work.
Medical Devices Deductible devices include wheelchairs, dialysis equipment, pacemakers, respirators, traction
equipment, and braces.
Prosthesis Artificial hip, artificial replacement of an arm, leg, or other parts of the body.
Residential Modifications Employed outside of home - modifications to exterior to permit access to the street or transportation.
Self-employed at home - modifications inside to create workspace to accommodate impairment.
Prescription Drugs Regularly prescribed medical treatment or therapy that is necessary to control disabling condition.
This includes co-payments and insurance deductibles.
Other Items and Services Assistive technology that people with disabilities use for employment–related purposes; such as
software applications, computer support services, and special tools which have been specifically
designed to accommodate the person’s impairment
67. SocialSecurity.gov
Form SSA-821 Work Activity Report
SSA-821 is used to document
work activity and work
incentives when SSA is making
SGA decisions.
68. SocialSecurity.gov
What is a PASS?
• A PASS is an SSI provision to help individuals with disabilities return to
work.
• If you receive SSI or could qualify for SSI after setting aside income or
resources so that you may pursue a work goal, you could benefit from a
PASS.
How does a PASS help someone return to work?
• We base SSI eligibility and payment amounts on income and resources.
• A PASS lets a disabled individual set aside money and things he/she
owns to pay for items or services needed to achieve a specific work goal.
• The objective of a PASS is to help disabled individuals find employment
that reduces or eliminates SSI or SSDI benefits.
Plan to Achieve Self-Support (PASS)
69. SocialSecurity.gov
What kinds of expenses can a PASS help pay for?
• School or training expenses - tuition, fees, books, and supplies
• Uniforms, special clothing, safety equipment, tools
• Attendant care of child care expenses
• Transportation for work
• Employment services such as a job coach
• Supplies to start a business
Plan to Achieve Self-Support (PASS)
70. SocialSecurity.gov
A Sample PASS Example (SSI ONLY)
Wages being excluded under an approved PASS
• Billy wants to go to school to become a social worker.
• Billy works part time and earns $665 per month.
• We figure Billy’s countable income using the earned income formula.
$665 - $20 = $645 - $65 = $580. $580 / 2= $290 in countable income.
• Billy’s earned income reduces his SSI benefit of $735 by $290 per month
to $445.
• He agrees to spend the $290 in countable income on his education and
we approve a PASS.
• We set aside this income and his SSI increases by $290/month for the
PASS timeframe. Billy receives $735 in SSI benefits, and has $290 to use
for approved PASS expenses.
Plan to Achieve Self-Support (PASS)
71. SocialSecurity.gov
A Sample PASS Example (SSDI Only)
SSDI being excluded under an approved PASS
• Maria wants to go to school and become a paralegal.
• She receives $800 in SSDI benefits.
• Maria’s employment goal needs to be expected to generate enough income to
eliminate SSDI - (have expected earnings over $1,220 per month SGA for 2019).
• Maria determines she needs $780 per month for tuition, books, and school
supplies. We can deduct the $780 in school expenses from her SSDI benefit and
deduct the remaining $20 (general SSI exclusion) so that her SSDI benefit is not
countable income and she is eligible for the full SSI payment of $771 (for 2019).
• Maria must use the SSI payment of $771 for living expenses and use the PASS
funds of $780 for approved plan expenses.
Plan to Achieve Self-Support (PASS)
72. SocialSecurity.gov
• TTW is an innovative program for persons with disabilities who
want to work and participate in planning their employment.
• It increases your available choices when obtaining
employment services, vocational rehabilitation (VR) services,
and other support services you may need to get or keep a job.
• It is a free and voluntary service.
• You can use the Ticket if you choose, but there is no penalty
for not using it.
Ticket to Work (TTW)
73. SocialSecurity.gov
For more information on the TTW Program, including a list of
approved Employment Networks (ENs), call:
1-866-YOURTICKET (1-866-968-7842)
OR
TTY 1-866-833-2967
between 8 a.m. to 8 p.m. Eastern time Monday through Friday.
Ticket to Work (TTW)
socialsecurity.gov/work
74. SocialSecurity.gov
What is EXR?
EXR is your safety net if your cash benefits end because of your work. If you
make less money or you have to stop working because of your disability, we
may be able to restart your benefits right away if:
• you stop working above the SGA level, and
• your disability is the same as or related to your current disability, and
• you make your request within 5 years of when your benefits end.
How does EXR help you?
• The EXR provision allows you to receive up to 6 months of temporary cash
benefits while we conduct a medical review to decide if we can reinstate
your benefits. You may also be eligible for Medicare and/or Medicaid during
this provisional benefit period.
Expedited Reinstatement (EXR)
75. SocialSecurity.gov
Contents
• Trial Work Period (TWP)
• Extended Period of Eligibility (EPE)
• Continuation of Medicare Coverage
• Medicare for Persons with Disabilities Who Work
SSDI Only Employment Supports
76. SocialSecurity.gov
• Allows SSDI beneficiaries time to test their ability to work
• 9 Months, not necessarily consecutive
• “Rolling” 60 month period
• Full SSDI benefit continues regardless of earnings
• Months with $880 in gross earnings (2019) or more than 80 hours of self
employment are considered TWP months.
• Cannot begin before the month of entitlement or the month of filing,
whichever is later
Trial Work Period (TWP)
77. SocialSecurity.gov
• You are not eligible for disability benefits or a TWP if you work at the SGA
level within 12 months of the start of your impairment(s) and before we
approve your claim for disability benefits.
• It is possible for your benefits to stop due to your medical recovery before
the end of your TWP.
• We do not apply work incentive rules when determining the service
months in your TWP.
Trial Work Period (TWP)
78. SocialSecurity.gov
Extended Period of Eligibility (EPE)
• The EPE begins the month after the Trial Work Period (TWP) ends, even
if you are not working that month.
• The first 36 months of the EPE is the re-entitlement period.
• During the re-entitlement period:
-if work or monthly earnings are below SGA, benefits are payable;
-if work or monthly earnings are above SGA, benefits are
suspended.
• EPE ends with the later of:
-the month before the first month of SGA earnings after the re-
entitlement period, or
-the second month after the month of disability cessation due to
SGA.
79. SocialSecurity.gov
Extended Period of Eligibility (EPE)
Cessation Month and Grace Period:
• Cessation Month - the first month work or monthly earnings exceed SGA
after the end of the TWP
• Grace Period - the two months immediately following the cessation month
> NOTE: Benefits are paid for the cessation month and the grace period,
whether or not the beneficiary is earning over SGA.
80. SocialSecurity.gov
Extended Period of Eligibility (EPE)
Benefit Termination Month (BTM):
1) When an SGA cessation occurs within the first 36 months of the EPE,
the BTM is the first month of SGA after re-entitlement period.
Example: SGA performed in the 16th, 17th, and 42nd month of the EPE.
Month 16 = Cessation, Months 17 and 18 = grace months, Month 42 = BTM
2) When an SGA cessation occurs in or after the 36th month of the EPE, the
BTM is the third month after the cessation month.
Example: SGA performed in month 36th of the EPE. Month 36 = Cessation,
Month 37 and 38= grace months, Month 39 = BTM
81. SocialSecurity.gov
Continuation of Medicare Coverage
• Although cash benefits may cease due to work, continued health
insurance is possible.
• Most beneficiaries who work will continue to receive at least 93
consecutive months of Part A; Part B (if enrolled); and Part D (if
enrolled). There is no premium for Part A.
• The 93 months start the month after the last month of the TWP.
• To qualify, beneficiary must already have Medicare and be working
at SGA level but not medically improved.
82. SocialSecurity.gov
After premium-free Medicare coverage ends due to work, a disabled
individual may buy continued Medicare coverage as long as he/she remains
medically disabled.
To qualify, the individual:
• must be under age 65, and
• continue to have a disabling impairment, and
• Medicare must have stopped due to work.
Hospital Insurance (Part A) is available for $437.00 per month in 2019.
Supplemental Medical Insurance (Part B) is available for $135.50 per month
in 2019.
Medicare for Persons with Disabilities Who Work
83. SocialSecurity.gov
Contents
• Earned Income Exclusion
• Student Earned Income Exclusion (SEIE)
• Special SSI Payments for Persons Who Work -
Section 1619(a)
• Medicaid While Working - Section 1619(b)
SSI Only Employment Supports
84. SocialSecurity.gov
• SSA does not count the first $65 of the earnings received in a
month, plus one-half of the remaining earnings. This means
we count less than one-half of earnings when we figure the
SSI payment amount.
• We apply this exclusion in addition to the $20 general income
exclusion.
• We apply the $20 general income exclusion first to any
unearned income received.
Earned Income Exclusion
85. SocialSecurity.gov
If you are under age 22 and regularly attending school, we do not count up
to $1,870 of your earned income per month when we figure the SSI payment
amount. The maximum yearly exclusion for 2019 is $7,550.
“Regularly Attending School” means:
• in a college or university for at least 8 hours a week, or
• in grades 7-12 for at least 12 hours a week, or
• in a training course to prepare for employment for at least 12 hours a
week (15 hours a week if the course involves shop practice), or
• for less time than indicated above for reasons beyond the student’s
control, such as illness, or
• home schooling, if instructed in grades 7-12 for at least 12 hours a week.
Student Earned Income Exclusion (SEIE)
86. SocialSecurity.gov
How Does PESS help you?
• We do not count some resources that are
essential to your means of self-support when we
decide your continuing eligibility for Supplemental
Security Income (SSI).
Property Essential to Self-Support (PESS)
87. SocialSecurity.gov
You can receive SSI cash payments even when earned income is at the
Substantial Gainful Activity (SGA) level. This provision eliminates the need
for the trial work period or extended period of eligibility under SSI.
To qualify, you must:
• have been eligible for an SSI payment for at least 1 month before working
at the SGA level, and
• still be disabled, and
• meet all other eligibility rules, including income and resource tests.
Under 1619(a), a beneficiary can receive their gross income from wages, an
SSI payment (calculated based on wages) and Medicaid.
Special SSI Payments for Persons Who Work -
Section 1619(a)
88. SocialSecurity.gov
How does it work?
• Your eligibility for SSI will continue for as long as you meet the basic
eligibility requirements and the income and resource tests.
• We will continue to figure your SSI payment amount in the same way as
before.
• If your state provides Medicaid to persons on SSI, you will continue to be
eligible for Medicaid. Each state has a Medicaid threshold.
Do you need to apply?
You do not need to file a special application; just keep us up to date on your
work activity.
Medicaid While Working – Section 1619(b)
89. SocialSecurity.gov
After you return to work, Medicaid coverage can continue, even if your earnings
become too high for an SSI cash payment.
To qualify, a beneficiary must meet ALL of the following:
• wsd eligible for an SSI cash payment for at least 1 month
• would be eligible for cash payment except for earnings
• still be disabled
• meet all other eligibility rules, including the resources test
• need Medicaid in order to work
• have gross earned income that is insufficient to replace SSI, Medicaid, and any
publicly funded attendant care
Under 1619(b), a beneficiary will receive income from gross wages and Medicaid but
no SSI payment.
Medicaid While Working – Section 1619(b)
90. SocialSecurity.gov
How does it help you?
• If you have been ineligible for Supplemental Security Income (SSI)
payments due to your work, you may be able to restart your SSI cash
payments again at any time without a new application.
• If you have been ineligible for SSI and/or Medicaid for any reason other
than work or medical recovery, you may be able to restart your SSI cash
payment and/or Medicaid coverage within 12 months without a new
application.
• When your situation changes, contact us and ask about how you can
restart your SSI benefits and/or Medicaid.
Reinstating SSI Eligibility Without a New Application
91. SocialSecurity.gov
• There is a special rule to help people who work and receive
Supplemental Security Income (SSI) based on blindness.
• This rule allows a blind person to exclude from earned
income all expenses that enable the person to work.
• The expense does not need to be related to the blindness.
Special SSI Rule for Blind People Who Work
92. SocialSecurity.gov
Responsibilities When Beneficiary Returns to Work
Notify Social Security of any changes in work activity:
• Start or stop work;
• Work has been reported but duties, hours, or pay have changed;
• Start paying for expenses that are needed to work due to the
disability.
Report changes in work activity by phone, fax, mail or in person.
Call 1-800-772-1213 between 7 a.m. and 7 p.m. Monday-Friday.
93. SocialSecurity.gov
For SSDI and SSI recipients, you can report wages through:
• your personal my Social Security account;
• visiting/calling a field office;
• mailing/faxing the information; or
• calling the TeleService Center.
Note: SSI recipients can also report wages via the mobile wage reporting
application and the telephone wage reporting service.
Wage Reporting
95. 95
DON’T FORGET TO USE OUR HASHTAGS TO
CONNECT AND SHARE TODAY’S DISCUSSION!
#WayneMetro-FIDRS
#DisabilityAwareness
#PathwaysToFinancialSuccess
#JPMorganChase
96. 96
HOW I SAVED MY HOME
Mr. Kennedy, Cities for Financial Empowerment Pilot Project
97. 97
HIGHLIGHT RESOURCESFOR PEOPLE WITH DISABILITIES
Jaime Junior
MI Financial Opportunity Corps -
AmeriCorps Member
Wayne Metro Community Action Agency
98. 98
HOW I SAVED MY HOMEMr. Kennedy, Cities for Financial Empowerment Pilot Project
99. 99
KEYNOTE SPEAKER
MI ABLE ACCOUNT
Scott de Varona, MBA
Michigan Department of Treasury, 529 (A)
ABLE Accounts
103. The Stephen E. Beck, Jr. Achieving a Better
Life Experience (ABLE) Act
• ABLE passed December 2014 with overwhelming Congressional support
• ADA Not Only “Accessibility” but also to allow “Economic Self Sufficiency”
• Created new 529A section of IRS code and authorized tax advantaged saving
programs for individuals with disabilities
• Enables saving for future, while protecting eligibility for public benefits
• Earnings grow TAX FREE if funds used for Qualified Disability Expenses (QDE)
WHAT IS THE ABLE ACT AND IT'S HISTORY
105. ABLE Account Features
• Limit one ABLE account per “eligible individual”
• Account owner is the designated beneficiary
• Total annual contributions cannot exceed federal gift tax limit
• (2019 = $15,000) (Subject to IRS changes)
• (Additional contributions allowed for disabled workers without retirement programs)
NATIONAL ABLE FEATURES
106. ABLE Account Features
• ABLE Assets excluded for Medicaid Eligibility
• Medicaid “Claw-back” provisions
• ABLE Assets over $100,000 count as a Resource for SSI
• Eligibility does not change but
• Payments are suspended once $100,000 is reached
NATIONAL ABLE FEATURES
107. Who is Eligible to Open an ABLE 529?
• Anyone who became disabled prior to age 26 *
• No ABLE account in any other State
• 3 methods to prove eligibility:
• Eligible for SSI or SSDI due to disability
• Have a Condition listed on SSA Compassionate Allowances List
• Self Certification
* SB 651/HR 1814 Proposed to raise onset age to 46
NATIONAL ABLE FEATURES
108. What can ABLE Assets/Funds be used for?
Distributions from ABLE accounts must be made for “Qualified Disability Expenses”
(QDE)
• QDE are costs related to the beneficiary’s blindness or disability
• Are for the benefit of the beneficiary
• Tracking QDE is the responsibility of the designated beneficiary or
authorized representative
• Disability Expenses are subject to audit by the IRS &/or SSA
NATIONAL ABLE FEATURES
109. ABLE Fund usage
• Educational Expenses
• Housing Transportation
• Transportation
• Health Care/Medical Costs
• Employment Training Programs
• Assistive Technology
• Personal Support Services
• Legal, Financial Management, and
Administrative services
• End of Life Expenses
NATIONAL ABLE FEATURES
QDE is meant to be as broad as possible & includes the expenses of everyday living
Distributions for non-qualified expenses will be subject to tax consequences and may
impact eligibility for federal means tested benefits.
111. Tax Implications/Michigan Features
• State of Michigan: Michigan ABLE contributors can claim up to a $5,000 (single
filer) or $10,000 (joint filers) deduction on their Michigan income tax returns
• Michigan has one of the highest allowable 529 limit ($500,000.00)
• 5 Investment Options (100% Stock to 20% stock) Varies in Risk and Cost
• Investment costs under 1.0%
• Program Management Fee 0.5%
• Annual Fee $45 annually
• 1 FDIC insured Money Market Account Option w/Optional Debit Card
• Advisor Option
MICHIGAN ABLE FEATURES
112. MiABLE VISA Card
• Customer Service:
(844) 656-7225
• www.miable.org
• for more information or
to Enroll
MICHIGAN ABLE FEATURES & DEMO
113. ABLE or Special Needs Trust
“Another Tool in the Tool Belt”
Some benefits specific to MiABLE Accounts:
• Cost-Effective
• Broader spending power (i.e. housing)
• Easy online account access
• State tax deduction for MiABLE
contribution
• No federal income tax on earnings or
returns to file
• Can be established,
administered, and owned by
individual with disability
MICHIGAN ABLE FEATURES & DEMO
116. 116
QUESTION #1
What support does the disability community
need to bring key resources to improve the
financial capability of people with disabilities
in our local communities?
117. 117
QUESTION #2
How we can bring key stakeholders
together to assist in the design and
implementation of financial inclusion
programs for persons with disabilities?
118. 118
CLOSING REMARKS
Denise Steele, Community Reinvestment
and Community Partnerships Officer
JPMorgan & Chase Co.
Karen MacDonald, Interim Chief
Programs Officer-Community and
Economic Development
Wayne Metro Community Action Agency
120. 120
THANK YOU!
SOCIAL SECURITY ADMINISTRATION
DETROIT-WAYNE MENTAL HEALTH AUTHORITY
MICHIGAN DEVELOPMENTAL DISABILITIES COUNCIL
UNITED CEREBRAL PALSY OF DETROIT
DISABILITY NETWORK OF WAYNE CO-DETROIT (DN-WCD) (ILS)
WAYNE METROPOLITAN COMMUNITY ACTION AGENCY
JPMORGAN CHASE & CO.
NATIONAL DISABILITY INSTITUTE
BUREAU OF CONSUMER PROTECTION
MICHIGAN DEPARTMENT OF TREASURY - MI ABLE ACCOUNTS
CITY OF DETROIT
We proudly support the National Disability Institute
in their work opening the doors of economic opportunity for all.
