Basic Overview of Social Security Disability Benefits and Transitional Age Youth

S A N DY H A R DY- S M I T H

I M A G I N E E N T E R P R I S ES

2 0 2 0

GET READY FOR WORK

Social SecurityThe Good, Not So Good & Amazing

EMPLOYMENT

To work and earn money is one of

the most powerful tools for

individuals to mature and become

valued members of the American

culture.

What are Social Security Benefits?Title 2

Non-disability relatedAuxiliary BenefitsRetirement

Disability-relatedChildhood Disability Benefits (CDB)Social Security Disability Insurance (SSDI)Disabled Widow(er)s Benefits (DWB)

Title 16 Supplemental Security Income (SSI)

Definition of Disability

Used for Title 2 and SSI Adults (over ag 18)

• inability to engage in any substantial gainful activity (SGA in 2020 is $1,260 non-blind or $2,110 stat blind);

• medically determinable physical or mental impairment(s); and

• result in death or which has lasted or can be expected to last for a continuous period of not less than 12 months.

Medical Review CategoriesMedical Improvement Expected (MIE)

0 to 3 yearsMedical Improvement Possible (MIP)

3 to 5 yearsMedical Improvement Not Expected (MINE)

5 to 7 years

Definition of Disability for Children with SSI

A child under age 18

medically determinable physical or mental impairment orcombination of impairments that causes marked and severe functional limitations, and

expected to cause death or that has lasted or can be expected to last for a continuous period of not less than 12 months.

Title 16: Supplemental Security Income (SSI)

WHAT YOU NEED TO KNOW

Supplemental Security Income (SSI) Cash payment to aged, blind and disabled people (including children under 18) limited income and resources

Resource Limit: $2,000 Individual and $3,000 Couple

Funded by general tax revenues.

In 2020 (the most SSI checks can be) = $783 for Individual or $1,175 for Eligible Couple (both on SSI)

Insurance: Medicaid. In Texas, Medicaid is automatic

SSI Rules and ProcessesDeeming

In-Kind Support and Maintenance (ISM) 12-month Suspension Period

Age 18 RedeterminationWork Credits …

OH MY!

The Deeming Concept

It is based on the idea that those who have a responsibility for one another share their income and resources.

Deeming Types: Spouse-to-Spouse, Parent-to-Child and Sponsor-to-Alien

Common Parent-to-Child DeemingChild support counts as child’s income – not deemed income. Child support is considered UNEARNED income

One third of the child support payment is excluded for youth under 18.

Resource limit is $2,000 for eligible child plus $2,000 for 1 parent or $3,000 for 2 parents (maximum of $5,000).

Parent-to-child deeming only applies to persons under 18.

In-Kind Support and Maintenance (ISM)

When a child turns 18, parent-to-child deeming stops and the “adult child” transitions to ISM

In-kind support is unearned income in the form of food or shelter.

In-kind support will effect the amount of the SSI cash benefit.

Determining the Value of 1/3 Reduction

Over the age of 18 live throughout a month and

receives both food and shelter at no cost.

2020: $783 – $261 = $522 (Individual)

SSI Beneficiary (18+ years old and still lives with his/her parents or others)

To receive the full SSI check amount:

•must show rental liability, OR

• is paying fair share of the household expenses, OR

• has some degree of ownership in the home.

Twelve Month Suspension Period

• Reasons other than work

• Over resource limit

• Food and shelter paid by non-Medicaid facility

Never Received SSI Benefits

• APPLY – online, by phone or in person

• 60-days prior to birthday

• Complete information: assessments, hospitalizations, medical, etc.

• Information from your doctor and teacher is critical

Students Already on SSI/Medicaid

Must “reapply” as an adult in your 18th

year

Social Security will send a letter –RESPOND!!

“Age 18 Redetermination”

Apply for Social SecurityApply online for Disability Benefits

https://www.ssa.gov/applyfordisability/

Call us at 1-800-772-1213 (TTY 1-800-325-0778)

Visit your local Social Security office.An appointment is a good idea.

Age-18 Redetermination• Any person who was found eligible for SSI as a child must have their eligibility for SSI redetermined as an adult.

• The redetermination will be done within a year after the person’s 18th birthday.

• It is extremely important to follow through with the Age-18 Redetermination to avoid an overpayment.

Age 18 Redetermination

•Only applies to SSI recipients.

• Remember: SSI program has two different definitions of disability – one for children under age 18 and one for adults aged 18 and above.

•Title 2 disability beneficiaries are NOT subject to redeterminations.

Section 301• SSI payments continue even if the person is not found eligible for SSI as an adult

• actively participating in an appropriate program of vocational rehabilitation or

• receiving special education services under an Individualized Education Plan (IEP) before the disability determination was made.

Section 301 cont.

Less likely to need SSI benefits in the future if the person completes their education or vocational rehabilitation program.

For youth under age 22, Social Security assumes that continued participation in educational program under an IEP is likely to result in permanent removal from the disability rolls.

Age 18 Redetermination DENIED

Entitled to receive two more months of payments after the date of this notice

Overpayment may occur if an ineligible individual continues to receive payments after the two-month grace period.

NOT required to pay back of all SSI payments received after the 18th birthday month.

Let’s Look at SSI Work Incentives

SSI Work IncentivesGeneral Income Exclusion (GIE) ($20)

Earned Income Exclusion (EIE) ($65) and divide by 2

1619 (a) & (b)

Student-Earned Income Exclusion (SEIE)

Plan for Achieving Self-Support (PASS)

Blind Work Expense (BWE)

Impairment- Related Work Expenses (IRWE)

Section 301

Retrospective Monthly Accounting

Eligibility is for the current month, but

individual or couple’s SSI benefit is usually based on the income received two months earlier.

Unearned Income ONLYSTEP ONE:Unearned Income $ 125.00- General Income Exclusion (GIE) $ 20.00 = Countable Unearned Income $ 105.00

STEP TWO:Gross Earned Income $ 0- SEIE $ 0= Remainder $ 0- GIE if not used above $ 0= Remainder $ 0- Earned Income Exclusion $ 0= Remainder $ 0- IRWE $ 0= Remainder $ 0Divide by 2 / 2= Remainder $ 0- BWE $ 0= Total Countable Earned Income 0

STEP THREE:

Countable Unearned Income $ 105.00+ Countable Earned Income $ 0= Countable Income

$ 105.00- PASS

$ 0= Total Countable Income

$ 105.00

STEP FOUR:

Base SSI Rate: $ 783.00

- Total Countable Income$ 105.00

= SSI Payment$ 678.00

$125.00 Gross Income+678.00 Revised SSI Check $803.50

Earned Income OnlySTEP ONE:Unearned Income $ 0- General Income Exclusion (GIE) $ 20.00 = Countable Unearned Income $ 0

STEP TWO:Gross Earned Income $ 350.00- SEIE $ 0= Remainder $ 350.00- GIE if not used above $ 20.00= Remainder $ 330.00- Earned Income Exclusion $ 65.00= Remainder $ 265.00- IRWE $ 0= Remainder $ 265.00Divide by 2 / 2= Remainder $ 132.50- BWE $ 0= Total Countable Earned Income $ 132.50

STEP THREE:

Countable Unearned Income $ 0+ Countable Earned Income $ 132.50= Countable Income $ 132.50- PASS $ 0= Total Countable Income $ 132.50

STEP FOUR:

Base SSI Rate: $ 783.00- Total Countable Income $ 132.50= SSI Payment

$ 650.50

$350.00 Gross Income+650.50 Revised SSI Check $1,000.50

Both Earned and Unearned IncomeSTEP ONE:Unearned Income $ 225.00 - General Income Exclusion (GIE) $ 20.00= Countable Unearned Income $ 205.00

STEP TWO:Gross Earned Income $ 463.00- SEIE $ 0= Remainder $ 463.00- GIE if not used above $ 0= Remainder $ 463.00- Earned Income Exclusion $ 65.00= Remainder $ 398.00- IRWE $ 0= Remainder $ 398.00Divide by 2 / 2= Remainder $ 199.00- BWE $ 0= Total Countable Earned Income $ 199.00

STEP THREE:Countable Unearned Income $ 205.00+ Countable Earned Income $ 199.00= Countable Income $ 404.00- PASS $ 0= Total Countable Income $ 404.00

STEP FOUR:Base SSI Rate: $ 783.00- Total Countable Income $ 404.00= SSI Payment $ 379.00

$225.00 Unearned +463.00 Earned+379.00 SSI Check$1,067.00

Student Earned Income Exclusion (SEIE)

Under age 22 and regularly attending school.

In 2020, SSA does not count up to $1,900 of earned income per month.

The 2020 maximum calendar year exclusion is $7,670

Calculating SEIESTEP ONE:

Unearned Income $ 200.00 - General Income Exclusion (GIE) $ 20.00= Countable Unearned Income $ 180.00

STEP TWO:Gross Earned Income $ 1900.00- SEIE $ 1900.00= Remainder $ 00.00- GIE if not used above $

0= Remainder $ 00.00- Earned Income Exclusion $ 65.00= Remainder $ 0.00- IRWE $ 0= Remainder $ 0.00Divide by 2 / 2= Remainder $ 0.00- BWE $ 0= Total Countable Earned Income $ 0.00

STEP THREE:

Countable Unearned Income $ 180.00+ Countable Earned Income $ 0.00= Countable Income $ 180.00- PASS $ 0= Total Countable Income $ 180.00

STEP FOUR:

Base SSI Rate: $ 783.00- Total Countable Income $ 180.00= SSI Payment $ 603.00

200.00 Unearned1900.00 Earned

603.00 SSI2703.00 (DANGER!)

*** NOT DONE YET***$7670-1900=$5770 remaining for Calendar Year (at $1900/month it will only last 4 full months with $70

for the 5th month) REMEMBER, it is a calendar year!

Calculating SEIE (con.)STEP ONE:Unearned Income $ 200.00 - General Income Exclusion (GIE) $ 20.00= Countable Unearned Income $ 180.00

STEP TWO:Gross Earned Income $ 639.16- SEIE $ 639.16= Remainder $ 00.00- GIE if not used above $ 0= Remainder $ 00.00- Earned Income Exclusion $ 65.00= Remainder $ 0.00- IRWE $ 0= Remainder $ 0.00Divide by 2 / 2= Remainder $ 0.00- BWE $ 0= Total Countable Earned Income $ 0.00

STEP THREE:

Countable Unearned Income $ 180.00+ Countable Earned Income $ 0.00= Countable Income $ 180.00- PASS $ 0= Total Countable Income $ 180.00

STEP FOUR:

Base SSI Rate: $ 783.00- Total Countable Income $ 180.00= SSI Payment $ 603.00

200.00 Unearned639.16 Earned603.00 SSI1442.16 (DANGER!)

*** NOT DONE YET***$7670-639.16=$7030.84 remaining for Calendar Year (at $639.16/month it will last the full calendar year) $639.16 x 12 = $7669.92

Impairment-Related Work Expense (IRWE)

Out-of-pocket expense;

Related to your disability;

Not reimbursed by anyone,

Purchased so that you could continue working.

Nonrecurring Expenses

Makes a one-time payment in full for an item or service.

Deducted entirely in 1 month or may be prorated over a 12-consecutive month period, whichever the person chooses.

IRWE CalculationSTEP ONE:

Unearned Income $ 0- General Income Exclusion (GIE) $ 20.00= Countable Unearned Income $ 0

STEP TWO:Gross Earned Income $ 750.00- SEIE $ 0= Remainder $ 750.00- GIE if not used above $ 20.00= Remainder $ 730.00- Earned Income Exclusion $ 65.00= Remainder $ 665.00- IRWE $ 100.00= Remainder $ 565.00Divide by 2 / 2= Remainder $ 282.50- BWE $ 0= Total Countable Earned Income $ 282.50

STEP THREE:

Countable Unearned Income $ 0+ Countable Earned Income $ 282.50= Countable Income $ 282.50- PASS $ 0= Total Countable Income $ 282.50

STEP FOUR:

Base SSI Rate: $ 783.00- Total Countable Income $ 282.50= SSI Payment $ 500.50

$750.00 Earned+ 500.50 SSI1250.50

100.00 (IRWE)1150.50

Blind Work Expense (BWE)

Documented expenses

Statutory blindness is primary disability with SSA

Item(s) is needed for work.

These expenses do not have to be related to blindness, just to work.

Includes, but is not limited to: Federal, state, and local income taxes.Transportation expenses (i.e., taxi, bus, etc.).Sensory or visual aids.Leader dog and all associated expenses (food, veterinarian bills, etc.).Braille translation of work materials.Lunch money.Union or Association dues.Social Security taxes.Professional training.Training to use work related devices.Medical supplies or devices deemed necessary for your job performance.

Calculating BWESTEP ONE:

Unearned Income $ 0- General Income Exclusion (GIE) $ 20.00= Countable Unearned Income $ 0

STEP TWO:Gross Earned Income $ 600.00- SEIE $ 0= Remainder $ 600.00- GIE if not used above $

20.00= Remainder $ 580.00- Earned Income Exclusion $ 65.00= Remainder $ 515.00- IRWE $ 0= Remainder $ 515.00Divide by 2 / 2= Remainder $ 257.50- BWE $ 240.00= Total Countable Earned Income $17.50

STEP THREE:

Countable Unearned Income $ 0+ Countable Earned Income $ 17.50= Countable Income $

17.50- PASS $ 0= Total Countable Income $ 17.50

STEP FOUR:

Base SSI Rate: $ 783.00- Total Countable Income $ 17.50= SSI Payment $ 765.50

$600.00 Earned+765.50 SSI1365.50

240.00 BWE1125.50

What is a PASS?

PASS is an SSI work incentive

Set aside income (earned, unearned, deemed or in-kind) and/or resources

Cover the costs of obtaining an education; receiving vocational training; starting a business; or, purchasing support services

PASS CriteriaUnder age 65 (unless receiving SSI disability payments in the month before age 65);

Disabled or blind;

Meet all eligibility requirements for SSI with the exception of the income and resources test; and

Have earnings, unearned income, or resources to set aside in the PASS.

PASS SectionsFeasible occupational goal

Interval steps/milestones

Definable timeframe

Sources to be set aside

Expenditures

Deferred expenses

Form 545

Calculation w/ PASSSTEP ONE:Unearned Income $ 220.00 -General Income Exclusion (GIE) $ 20.00=Countable Unearned Income. $ 200.00

STEP TWO:Gross Earned Income $ 498.00- SEIE $ 0= Remainder $ 498.00- GIE if not used above $

0= Remainder $ 498.00- Earned Income Exclusion $ 65.00= Remainder $ 433.00- IRWE $ 0= Remainder $ 433.00Divide by 2 / 2= Remainder $ 216.50- BWE $ 0=Total Countable Earned Income $ 216.50

STEP THREE:Countable Unearned Income $ 200.00+ Countable Earned Income $ 216.50= Countable Income $ 416.50- PASS $ 416.50= Total Countable Income $ 0

STEP FOUR:Base SSI Rate: $ 783.00- Total Countable Income $ 0____= SSI Payment $ 783.00

$220.00 Unearned+498.00 Earned+783.00 SSI$1501.00- 416.50 (PASS)$ 1,084.50

Medicaid

Covers children, the aged, blind, and/or disabled and other people who are eligible to receive federally assisted income maintenance payments.

In Texas, when someone is eligible for SSI, that person is automatically eligible for Medicaid.

Medicaid and 1619 (b)

When a beneficiary goes to work there is a gradual reduction in benefits (it is not all or nothing)

Medicaid coverage can continue, at no cost, even if earnings become too high for an SSI cash payment, if

! the person need Medicaid in order to work and ! meet other eligibility requirements.

State of Texas 2020 threshold for 1619(b) = $35,973

Individualized Threshold AmountsSpecial needs or unusually high medical costs

Earnings are not sufficient to replace cash and health benefits

Consider: IRWE, BWE, PASS, and the value of publicly-funded personal/attendant care

Completed at the local SSA office

QUESTIONS? Here is your chance!

Basic Overview of Social Security Disability Benefits and Transitional Age Youth

S A N DY H A R DY- S M I T H

I M A G I N E E N T E R P R I S ES

2 0 2 0

Title 12: Social Security Disability Benefits

WHAT YOU NEED TO KNOW

FAST REVIEW: What are Social Security Benefits?Title 2

Non-disability relatedAuxiliary BenefitsRetirement

Disability-relatedChildhood Disability Benefits (CDB)Social Security Disability Insurance (SSDI)Disabled Widow(er)s Benefits (DWB)

Title 16 Supplemental Security Income (SSI)

Title 2 Child’s BenefitsIf Child has a disability or not – not about the disability

Children of insured workers who are now • deceased, retired and receiving Social Security retirement, or • disabled and were/are receiving SSDI

Children are:• Under age 18• Dependent upon the insured worker• Unmarried (with some exceptions)

Title 2 Disability Benefits

Social Security Disability Insurance (SSDI)

Childhood Disability Beneficiary (CDB)

Disabled Widow(er) Benefits (DWB)

Title 2 Disability Benefits (Continued) Cash benefit after a 5-month waiting period

Medicare after an additional 24- month waiting period

Social Security takes ALL the check… There is no gradual reduction.

Social Security Disability Insurance (SSDI)Person with the disability is the insured worker

Does NOT have to be 18 or older

Young people with disabilities need fewer credits to be insured.

There is a 5-month waiting period apply and additional 24 Medicare Waiting Period

Childhood Disability Beneficiaries (CDB)The parent is the insured worker who is deceased, retired, or disabled,

Must be at least 18;

Disabled per SSA’s definition prior to age 22; and

Unmarried (with some exceptions)

No waiting period for payments, but 24-month Medicare Qualifying Period does apply.

Benefits on Your Own RecordSomeone who has worked and earned enough Social Security credits and is disabled can receive Social Security Disability Insurance (SSDI) based on their own work record.

A Childhood Disability Beneficiary (CDB) who have worked enough may be entitled to SSDI on their own work record.

A youth under age 24 needs only six (6) credits to qualify.

2020 “Credits” of Coverage

The amount of earnings required for a quarter of coverage (QC): 2020 is $1410.

No matter how high your earnings may be, you can not earn more than 4 QC's in one year.

Title II of Social Security ActRetired or disabled workers and their dependent family members,

Dependent family members of deceased workers

Eligibility for SSDIInsured status on own work record

Benefits may be paid retro-actively back to date of disabilityonset or 12 months prior to application – whichever is less

Five-month waiting period before benefits may begin

Childhood Disability Benefits(CDB)Individuals must be:

! 18 years of age or older; and! Disabled by Social Security’s definition before age 22; and,! Child of an insured worker who is either disabled, retired or

deceased.

If child marries, benefits end unless marriage is to another Title IIbeneficiary (excluding those on child’s benefits)

No five-month waiting period

Things to Remember

It’s Insurance - not welfare

NOT means-tested

NO limits on resources or unearned income

The amount of your check is dependent on taxes paid in

Let’s Look at Title 2

Disability Work Incentives

Trial Work Period (TWP)

• Opportunity to test work

• Maintain full benefit checks …. no matter how much the beneficiary earns

• Continues to have a disability under Social Security regulations

Trial Work Period (TWP)End when there are nine (9) TWP months within a rolling period of 60-month period.

! Does not have to be 9 consecutive months! No work incentives available ! No special TWP amount for blind persons! ALL gross earnings count ! Full benefits checks, regardless of amount of wages

Only one TWP per period of entitlement

Recent TWP Limits

! 2020 limit: $910

! ALWAYS gross wages

Rolling 60-month Period

• An individual only completes a TWP when nine service months occur within a rolling 60-month (five-year)period

• Some may NEVER fully use up the entire Trial Work Period

• Once the TWP has been used, it is NO LONGER available.

TWP Example (Gross Wages)This table shows how much was earned in each month from 2011-2020

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2011/$720

500 500 500 600 700 675 675 675 740 690 715 715

2012/ $720

500 500 500 600 700 725 675 650 675 730 690 685

2013/ $750

680 695 650 760 760 595 760 595 675 598 599 599

2014/$770

730 735 675 675 675 675 675 675 675 675 675 675

2015/ $780

696 696 696 696 696 696 696 696 698 790 790 770

2016/ $810

685 685 685 685 685 685 690 690 230 825 850 625

2017/ $840

775 785 785 785 799 730 800 800 800 825 750 825

2018/ $850

800 800 800 800 800 800 800 810 800 800 800 800

2019/ $880

850 875 875 875 800 875 875 879 860 825 875 875

2020/ $910

890 890 890 895 895 890 890 890 820 950 990 975

TWP Example (Find TWP)

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2011/$720

500 500 500 600 700 675 675 675 740 690 715 715

2012/ $720

500 500 500 600 700 725 675 650 675 730 690 685

2013/ $750

680 695 650 760 760 595 760 595 675 598 599 599

2014/$770

730 735 675 675 675 675 675 675 675 675 675 675

2015/ $780

696 696 696 696 696 696 696 696 698 790 790 770

2016/ $810

685 685 685 685 685 685 690 690 230 825 850 625

2017/ $840

775 785 785 785 799 730 800 800 800 825 750 825

2018/ $850

800 800 800 800 800 800 800 810 800 800 800 800

2019/ $880

850 875 875 875 800 875 875 879 860 825 875 875

2020/ $910

890 890 890 895 895 890 890 890 820 950 990 975

Extended Period of Eligibility

• Starts immediately after the Trial Work Period End

• 36 consecutive months • Looking for earnings above or below SGA• Get a full benefit check months earnings are below SGA • Do not get a benefit check months earnings are above SGA

SGA Amounts

Year 2020- $1,260 (non-blind); - $2,110 (blind)

TWP Example (Finalize TWP and EPE)

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2011 500 500 500 600 700 675 675 675 740 690 715 7152012 500 500 500 600 700 725 675 650 675 730 690 6852013 680 695 650 760 760 595 760 595 675 598 599 5992014 730 735 675 675 675 675 675 675 675 675 675 6752015 696 696 696 696 696 696 696 696 698 790 790 7702016/

$1820 or $1130

685 685 685 685 685 685 690 690 230 825 850 625

2017/$1950 or

$1170

775 785 785 785 799 730 800 800 800 825 750 825

2018/ $1970 or

$1180

800 800 800 800 800 800 800 810 800 800 800 800

2019/$2040 or

$1220

850 875 875 875 800 875 875 879 860 825 875 875

2020/ $2110 or

$1260

890 890 890 895 895 890 890 890 820 950 990 975

Cessation and Grace Period

• Can occur during or after the Extended Period of Eligibility (EPE)

• First time you demonstrate a consistent pattern of earnings above SGA

• You keep for check for three consecutive months

• If after EPE, then the 4th month will be termination

TWP Example (Find Cessation and Grace Period)

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec2011 500 500 500 600 700 675 675 675 740 690 715 7152012 500 500 500 600 700 725 675 650 675 730 690 6852013 680 695 650 760 760 595 760 595 675 598 599 5992014 730 735 675 675 675 675 675 675 675 675 675 6752015 696 696 696 696 696 696 696 696 698 790 790 7702016 685 685 685 685 685 685 690 690 230 825 850 6252017 775 785 785 785 799 730 800 800 800 825 750 8252018 800 800 800 800 800 800 800 810 800 800 800 8002019/

$2040 or $1220

850 875 875 875 800 875 875 879 860 825 875 875

2020/ $2110 or

$1260

890 1265 890 895 895 890 890 890 1270 1270 1270 1270

SGA Determination “Tools”To determine is the value of the work above or below the SGA, Social Security uses four tools.

The tools are:! Subsidy and Special Conditions! Impairment Related Work Expenses (IRWEs)! Income Averaging! Unsuccessful Work Attempt (UWA)

Subsidies and Special Conditions• Required extra assistance,

• a reduced production rate,

• frequent breaks, or

• fewer job duties than co-workers in a similar job.

Valuing Subsidy

True VALUE of the person’s work effort, then Social Security must assess that value in another way

The value of extra help or higher earnings may be deducted from monthly earnings when Social Security determines if work is SGA.

Types of SubsidySubsidy in Wage Employment:

! Employer Subsidy

! Special Conditions

Subsidy is Used…

• Subsidy may be used at any time if work is at or above SGA.

• The ONLY purpose of subsidy is to help Social Security personnel make an accurate SGA determination.

Title 2 and Medicare Medicare is the federal health insurance program for people who are

• 65 or older, or

• certain younger people with disabilities, or

• people with End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant) or

• ASL (Lou Gehrig’s Disease).

Medicare

The different parts of Medicare:

!Medicare Part A (Hospital Insurance)

!Medicare Part B (Medical Insurance)

!Medicare Part C (Medicare Advantage Plans)

!Medicare Part D (Prescription Drug Coverage)

Finding Experts• SSA (AWIC and WIC): https://www.ssa.gov/dallas/awiccontact.htm• Mandi Lomax, AWIC

• TX Vocational Rehabilitation: http://www.twc.state.tx.us/jobseekers/vocational-rehabilitation-services

• WIPA Projects: https://www.choosework.ssa.gov/findhelp• Option B and add zip code

QUESTIONS? Here is your chance!

THANKS! It has been more than a pleasure!

Sandy Smith – sandy.smith@imagine-enterprises.org