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Social Security and Getting Back To Work

It may seem odd to think of those receiving Social Security Disability Insurance would be worried about getting back to work. Although it is true that recipients of disability insurance are qualified for benefits because they are deemed ineligible to work, there may come a time that they do become able to work again. In order to avoid having recipients worry about losing their benefits right away, the Social Security Administration has set up two programs to help make the transition back into the workforce easier.

Encouraging Independence

The SSA has created a Work Incentives Program that allows disability recipients the chance to work while still obtaining benefits. The program provides continued cash benefits for up to nine months during the trial work period, regardless of how much income is earned. Medicare benefits are also continued for up 93 months after the successful completion of the trial work period. The Work Incentives Program also provides vocational training and educational; as well as transportation assistance related to the recipients job as long as they are working.

The Ticket To Work Program provides resources for those looking to enter, or reenter the workforce while receiving benefits. The program offers resources like vocational training, education, career counseling and job placement services. The goal is to help beneficiaries become more independent without the worry of losing their cash benefits while they try their hand at working.

SSDI Work Incentives Program

work incentives programSSDI, or Social Security Disability Insurance, offers a work incentives program to those involved in the program.  The program is set up to encourage and assist individuals in re-entering the workforce.  SSDI is primarily a supplemental income program and does not provide the amount of income that you can receive from your job.  The work incentives program is broken up into a few different options and areas.


SSDI Work Incentives Options

The SSA government website does a great job of breaking down the work incentives program.  On the site, they claim that one of their primary priorities is to assist individuals with disabilities in claiming their independence and in taking advantage of employment opportunities.  The complete list of incentives options is very long, but we will cover a couple of the more popularly chosen options here.

SSDI offers a trial-work period.  During this time an individual may return to work for up to 9 months in order to test their abilities.  The 9 months does not have to be consecutive but cannot accumulate to more than 9 months over a period of 60 months.  During this time the individual will continue to receive their SSDI benefits.

There is also an extended period of eligibility option.  During this you may have returned to work and your SSDI benefits have stopped.  Within a period of 36 month, you can be automatically reinstated into the program if the need arises.

The Social Security Disability Incentives Program is provided to individuals to assist them in getting a step back up on life.  For more info or to discuss the program with someone it may be worth your time to consult a Social Security Attorney and/or the SSA government website.

Working With Disability Insurance

work incentivesMany people assume that they are not allowed to work if they plan to keep their Social Security Disability benefits. This is false. In fact, the Social Security Administration wants for benefit recipients to be as self sufficient as possible, which is why they created the Work Incentives Program.

Getting Back To Work

The Work Incentives Program makes it possible for those receiving disability benefits or Supplemental Security Income to work while getting benefits. The idea is to encourage those who can work, but still require some financial assistance, to bring in some income of their own. The program also extends the period of eligibility for Medicare or Medicaid while beneficiaries are working.

The Work Incentives Program requires that benefit recipients not earn more than $1010 a month, or $1640 a month for the blind, in order to still qualify for benefits. Earning more than this amount may result in the termination of benefits, as the Social Security Administration will regard you as being able to engage in “substantial gainful activity.”



Work Incentives for Supplemental Security Income

work incentives programIf you or somebody you love is a recipient of Supplemental Security Income, you might not be aware of the fact that there are work incentive programs in order to help those who are living with disabilities get back in the workforce if they are able.  While the fact that Social Security Disability Insurance comes with work incentive benefits is widely known, the same is also true for those who receive Supplemental Security Income as well.

What Is A Work Incentive Plan?

Both Supplemental Security Income and Social Security Disability Insurance are geared toward supporting those who are unable to work.  However, there is a population of individuals who are receiving benefits from one or both of these plans who may be able to work, at least a little bit.  The work incentive plans are in place to encourage individuals to work where they can, without fear of losing their benefits.

Supplemental Security Income and Social Security Disability Insurance should not be confused with welfare plans.  Unless the individual reviving the disability benefits is deemed to have a permanently affecting disability, the programs are in place to help support them during their time of inactivity.  Particularly with the strain on the government in recent years when it comes to money, both of these programs are eager to help disability recipients get back out in the workforce, even in a lesser capacity.

So if you or somebody you love is receiving benefits from Supplemental Security Income, there are work incentive plans available to help support you should you wish to get back to work.

A Ticket To Work, or a Ticket To Ride?

paycheckIt’s well known that all aspects of the social security program are under fire – not necessarily by politicians, mind you, but just by financial concerns.  The fact of the matter is that Social Security Disability Insurance has been paying out more than it has been taking in through revenues since 2005, and the most dire predictions say that the program could go entirely bankrupt as early as 2027 if things continue on in the vein that they are now.

What Can Be Done?

What has been suggested by many is that those who apply for Social Security Disability Insurance also be involved with vocational rehabilitation, or essentially equipping those who have suddenly experienced disability or illness that prevents them from working in the capacity that they were before.  Currently, this program is known as the “Ticket to Work” program, but it is not required that applicants to the Social Security Disability Insurance program apply.  Somewhat unsurprisingly, this program’s success rate is not very high – a recent study by Cornell University suggested that as little as 1.1 percent of all Social Security Disability Insurance applicants actually use the Ticket to Work program.

In light of the fat that the Social Security Disability Insurance program is quickly losing funds, there has been increasing pressure to make the Ticket to Work program a required prerequisite for all individuals who are applying for Social Security Disability Insurance.  The idea is to get as many people back in the work force as possible.  With the fact that Social Security Disability Insurance might go bankrupt in less than two decades, maybe getting back to work isn’t a bad idea!

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