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Training Objectives
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Motive consumer towards productive and the most independent lives utilizing Disability Benefits 101 (DB101)
Use the DB101 to support consumer to makes plans to work, and plan a transition to self-sufficiency
Acquire comfort and ease navigating DB101 Use training techniques to implement DB101 into everyday
practices Increase measurable, program- and consumer-desired
outcomes through DB101 tools and information Utilize WIIN Digital Hub for resources and data collection
WIIN Staff
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Nicholas Love, Program Manager for Benefits 2 Work (B2W)B2W is a statewide program managed by Arizona Bridge to Independent Living (ABIL), which includes Work Incentive Planning & Assistance (WIPA), SSA demonstration project – BOND, Work Incentive Information Network (WIIN), and the PROMISE grant. B2W focuses on education of SSA benefits and encouragement of employment as an intervention to move people with disabilities out of poverty.
Marianne Mart, Statewide WIIN TrainerProvides training and technical assistance on DB101 to providers and community stakeholders to further the mission of WIIN.
Shoshanna Fawley, WIIN Information & Referral SpecialistFields and assess inquiries regarding SSA benefits and employment concerns; provides referrals to B2W services; educates and assists individuals on DB101; and is the “Ask the Expert” for DB101.
The Work Incentive Information Network (WIIN) provides technical assistance and support for a systems (cultural) change that will increase the Arizona employment rate of individuals with disabilities.Training on the use and incorporation of the Arizona Disability Benefits 101 (DB101) online toolEducating on how federal and state benefits and employment work together - disputing the mythsDeveloping a sustainable network of service professionals and community partners to aid an already strained system
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Work Incentives Information Network (WIIN) Sharing daily business practices that promote and support
employment By sharing a unified accurate message to empower people
with disabilities to explore employment options, WIIN can assist people with disabilities to move out of poverty and make informed decisions about employment.
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Materials, Resources and Shared Data Collectionat
www.wiinaz.org
Disability Benefits 101 History
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Created by World Institute on Disability Currently in 6 states
Arizona, California, Michigan, Minnesota, Missouri, and New Jersey
AZ DB101 brain child of the MIG Funded by RSA Work Incentive Information Network
DB101 in the Beginning…
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Eliminate myths and confusion about Social Security benefits Initiate conversational knowledge about Social Security
benefits and work incentives A tool to help service providers explain work incentives –
Social Security and employment Promote employment for people who receive Social Security
benefits
The whole focus was Social Security Benefits!
But Now in Arizona…
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Eliminate myths about the abilities of people with disabilities Start conversations about the self-planned futures of people
with disabilities A tool help people with disabilities become self-sufficient Promotes independence for all people with disabilities – on
benefits or not
It’s about a culture change and empowering!
Social Security Definition of Disability –
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• According to Social Security, a person over 18 is considered disabled if the person has a physical or mental impairment which:• Prevents the person from any Substantial Gainful Activity
(SGA) - earning a certain amount of money, and that• Has lasted or can be expected to last for at least 12
months, or • Can be expected to result in death
Ticket to Work and Work Incentives Improvement Act of 1999 Social Security benefit recipients under the full-age of
retirement are eligible for a “Ticket” issued by SSA. Provides more choices in employment services. Enables persons with disabilities to work more and lessen
dependence on benefits. Removes barriers requiring people with disabilities to choose
between work and health care coverage.
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SSI & SSDI2 Different Programs!
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Rules for SSI and SSDI are completely different.
Social Security Disability Insurance (SSDI) - Title II
Social Insurance● Based on an individual’s
work history & amount paid into the system.
● Deceased or retired parent’s or spouse work history.
● Childhood Disability Beneficiary (age 18)
● Medicare
Supplemental Security Income (SSI) - Title XVI
Means Tested● Based on financial need.● Federal Benefit Rate (FBR)
of $721 (individual) is maximum payment amount and $1,082 (couple).
● $2,000 resource limit($3,000 for couples)
● Medicaid (AHCCCS)
Impact Of Earnings On SSA Cash Benefits
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SSI uses a formula to recalculate the check – 2 for 1 reduction For every dollar earned, beneficiary keeps $1 of
SSA cash benefit SSDI is an ALL or NOTHING program – Cash Cliff
The amount of the check is not reduced – a person is either eligible for their entire check or no check at all
If getting both SSDI and SSI: SSDI rules apply to the SSDI check and SSI rules apply to the SSI check
Both Programs: May allow deductions in calculating “countable” income
Healthcare and Returning to Work
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If the SSI check goes to $0 due to earnings, the individual still qualifies for Medicaid for free through a provision called 1619(b).
Even if SSDI stops due to work, the individual is entitled to Medicare for at least 93 months after the end of the Trial Work Period through Extended Medicare Coverage.
Working individuals can purchase Medicaid coverage through Freedom to Work.
Social Security is Confusing – AZ DB101 is the Answer!
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Arizona Disability Benefits 101 (DB101) is a user-friendly online tool that helps work through the myths and confusion of Social Security benefits, healthcare, and employment. Provides online tools and servicesEase fearsEmpower people and their families Assist in making informed decisions that will lead to a more financially productive life
A Great Tool!
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Disability Benefits 101 gives you tools and information on employment, health coverage, work incentives, and federal and state benefits. You can plan ahead and learn how work and benefits go together.
www.az.db101.org
A partnership with the Arizona Rehabilitation Services Administration and Arizona’s Medicaid Infrastructure Grant (1QACMS300122) administrated by AHCCCS.
DB101 User Experience
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Easy to navigate Information provided in layers User friendly work and benefits calculators “Next Steps” access to local, state, and national resources Easy-to-read articles on state, federal, and private benefit
and health coverage programs Definitions throughout the site Click on question boxes to learn more Useful Search and Site Map leads to desired section Páginas en Español
DB101 User Experience
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Linkage and reference throughout toAsk the Experts at:
Benefits 2 Work Arizona (B2W) Additional assistance available through
"Ask the Experts” link on DB101“Expert” also Intake Specialist for Benefits 2 WorkIntake Specialist will assess and refer to appropriate work incentive services
Not receiving Social Security Benefits? DB101 can still be useful
Explains eligibility requirements Links to applications and other program websites Articles related to different significant life changes. Tips for planning for future Resources for numerous organizations and programs
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DB101 is more than just benefits!
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Key Programs and Eligibilities Articles Related to Different Significant Life Changes Programs That Support Work Getting a Job Independent Living Housing Asset Building ACA Questions and Resources Links To Resources, Numerous
Organizations and Programs And Much More
www.az.db101.org
Tier 1 Message – Encouragement
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People with disabilities can and do work. Cash benefits from Social Security do not have to be a
lifetime thing. It for the short term Work incentives can be used to become more self-
sufficient through employment The interaction of public benefits and work is complicated.
Many resources out there to help your situation There are avenues to continuing your healthcare coverage if
you work. You should take a look at DB 101.
• Most jobs are about belonging to something larger than our own situation, and our family’s situation.
Moving out of poverty is about creating a better life. The job experience is a means to an end and something larger
than the job itself. Even when a job does not work out there are more winners
than losers with taking on a new job - the client, and family; benefit programs; and the local community
A “failed” job is often a learning opportunity and experience for whatever comes next.
Motivational Messaging
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• A consumer with limited knowledge and even less expertise about benefit programs can know enough to start her own benefits planning process … DB101 can help your client get to her question.
Even a perceptual sense that the consumer has control of the benefits planning process can enhance outcomes.
To give the consumer permission to take control of the process, share work incentives information in gradual layers, versus all at once.
Motivational Messaging
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More than Employment
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Empowerment
Community Inclusion
Increase Self-Worth
Moving Out of Poverty
Creating a Better Life
Opportunity to Dream
Organization Specific
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Staff Responsibilities - including outcomes & contract obligations
Add in Organization Specific Info
Organization & DB101
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+ =
More empowered and informed consumer Desired outcomes More effective services Easier work for case managers
Organization Logo
Add in Organization Specific Info
Organization Specific
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Housing Rental support Home ownership Example
Education Planning educational path Funding your education Example
Employment Facts and myths about who can and cannot work Resources and tools to obtain and maintain employment Example
Examples
#1: I can’t work because of my disability. #2: I will lose my SSI/SSDI benefits when I start to work. #3: If I work, I will lose my health care benefits. #4: If I start working, Social Security will decide I’m not disabled anymore. #5: There are no resources that can help me find and keep a job. #6: I can’t afford the extra costs of starting to work. #7: I don’t need my benefits as long as I have a job, but if I have to stop working because of my disability, I won’t be able to get my benefits back.
Myths
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Myth Busting Talking Points
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Myth: “I would work but I cannot lose my healthcare.”Response: That really isn’t an issue. There are ways to keep your
healthcare when you work. I get why you think that, though. Sometimes even the case handlers at SSA or Medicaid get confused about this.
Myth Busting Talking Points
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Myth: “I am going to lose my benefits if I work.”Response: It really doesn’t work like that. Some people keep their
benefits for a while, some don’t ever lose them, and others get a reduction. It depends on the program, your earnings and some other factors. But, plenty have people have made the transition to work from benefits and are much better off financially. You should look into it some more.
Myth Busting Talking Points
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Myth: “I am feeling better now, but what if my disability worsens
after a while? I am not working and losing that help because I may need it again.”
Response: Just because you are working does not mean you lose a
connection to Social Security. In fact, people who get benefits and then work are allowed several years, and sometimes longer, when they can go in and out of the system.
Myth Busting Talking Points
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Myth: “Well, it took me forever to get SSDI. Why would I change
anything now?”Response: I know that initial eligibility process can take a long time and
be really stressful. But once you are in the system, which you are, they really do set up the system to encourage to try to work if you can. People who get benefits and then work are allowed several years, and sometimes longer, when they can go in and out of the system. Why not try and see if you can bring in more money?
Myth Busting Talking Points
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Myth: “I can’t work. I am disabled.” Or
“I can’t work. I get disability.”Response: There are plenty of people with disabilities who are on or
were on benefits and work. Disability does not mean “can’t work.” There is a whole set of rules and a system set up to support people with disabilities in working if they need that support. Don’t sell yourself short.
Myth Busting Talking Points
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Myth: “If I work, they will charge me more rent.”Response: That may or may not be true. In certain types of housing,
they don’t raise your rent right away if you work. However, even if they do, it is not like that increase in rent is going to take your whole paycheck. You will still have more money overall.
Scenarios
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I want to start planning to go to work. I need more education to do what I want to do. I want to work but my parents are worried. I've heard a lot of horror stories about return to work. How do I find the right job for me? What are my rights and responsibilities as an applicant and w
orker with a disability? What happens to my SSDI if I go to work? I am really concerned about my health care when going to wo
rk.
Scenarios
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I would like to start saving for the future. I would like to save to buy a home. I would like to start my own business. What about trust funds?
Frequent Inquires
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Medicare A/B/D Cash Assistance Prescription Drug Plans AHCCCS Freedom to Work Program Ticket to Work Program American with Disabilities Act HUD Housing Affordable Care Act
Examples
Documentation
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Plan/Goals/Intervention (P/G/I) Interventions:
Going to Work
Work Incentives
Education
Volunteering
Planning
Resources
Examples
Documentation
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Narrative Notes
Case manager provided and reviewed DB101 as a resource tool to make informed decisions and progress towards goal.
Examples
WIIN Digital Hub
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Materials, Resources and Shared Data CollectionPromotional materialsTalking pointsArticle suggestsOutcome reporting
www.wiinaz.org
WIIN Data Collection - How To
Technical Assistance
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Nicholas Love, Program Manager602-443-0750
Technical assistance and additional training. Specific tools and resource development. Monthly data reports DB101 assistance for your consumer.
Marianna Marts, Trainer(602) 291-6911
Technical assistance & resourcesfor case managers
Shoshanna Fawley, Information & Referral
1-866-304- WORK (9675)Member assistance and referrals
to services
Work Incentives Consultants Throughout Arizona
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Benefits 2 Work Arizona is an program supporting Social Security beneficiaries with disabilities in their transition to work.
Managed by Arizona Bridge to Independent Living
subcontracted with DIRECT Center for Independence
1-866-304- WORK (9675)