>> Ray Cebula: Good afternoon, everybody. This is Ray Cebula from Cornell University's Employment and Disability Institute, and I'd like to welcome you to today's WISE event; helping you today so you can succeed tomorrow. We are here to talk about your journey to employment. We have some wonderful speakers to share experiences with you and to share some of the services that they'll be able to provide to you to help you on your journey to work and to help you make that decision as to whether or not work might be the right thing for you at this moment. Before we get going with the substance of today's talk I'm going to want to take you through today's technology. There is a webinar console in the upper right hand corner of your screen. You've been connected using the microphone and speakers in your computer. If for any reason you determine that that's not working right for you or not working well enough for you, you can open the audio box by clicking on the plus sign next to the word audio in that console and it will open up today's call in information. Just push the button use telephone and today's phone number area code, access code I'm sorry and audio pin will appear. Those are blurred out in the screen right now because we don't you to dial in with our samples. Your audio information for today and your contact information for today will be in that screen. We also want to have you ask your questions and while we can't let everybody do that verbally because we have about 500 of you out there listening to us, we can let you do that electronically. What you can do is click on the plus sign next to the word questions. It will open up the question box for you. Type in your question, hit the word send and it will appear on our desktop and Jamie's in the background monitoring all of those questions. Now because there are so many people and we have so much information to get through today, we will likely only take a few of the questions and we're going to look for questions that are going to apply to the most people. We will, however, give you information so that you can get your individual questions answered throughout discussion today. Now we always want to know about our product and our product is not only the information we're sharing but how we are sharing it. So this webinar is part of that product and we want it to be accessible to as many people as we possibly can make it be and it's important that we hear from you. If you're having an issue accessing the information, accessing the sound, accessing the content, please let us know and more than just letting us know that you had an issue if you're aware of any program, any computer program or any fix that our tech team can make, let us know about that as well and we'll be happy to consider that and make sure that this works better for the greatest number of people in the future. Now here's our agenda for today and as you can see we're talking about a lot of information. We're going to start with just some introductory notes that I'm going to cover then we're going to talk about Work Incentive Planning and Assistance and we have Kendra with us from the State of Indiana. She'll also take us through all of the work incentives in the Ticket to Work Program that Social Security sponsors to assist you in that journey to work. We have Carla Orr who is an employment network and a member of your employment team and it does take a team to get folks back to work nowadays. We have Colleen Hart with us rather than Kristy Cook, who is with the Vocational Rehabilitation Agency in Indiana and Sue Beecher, who is with the Indiana Protection and Advocacy services. Now all of these folks you notice are from Indiana and my guess is not all of you out there listening are from Indiana. These programs are federal programs. They will be available to you in your state and it might be necessary for you to make contact in your particular state with a benefits planner or one of the members of this employment team. In order to see how things, whoa. [ Audio difficulty ] Okay, I think that did it. All right. Mike, can you hear me now? >> Yes, I can, Ray. >> Ray Cebula: Okay. Thank you. All right. Sorry about that folks. I'm hearing an echo now. My headset just went nuts. All right so let's start the conversation and what can you expect from today's seminar? Clearly you can expect some information on the ticket to work program and work incentive. We've got a lot of great information to share with you. Answers to some of those questions that everybody has in the back of their minds about what will happen to their health care and to their cash benefits and to all of those other benefits that you may have in your benefits package if you return to work. Most importantly where you can find more information. Today's seminar is not intended to give you enough information for you to go to work tomorrow. Today's session is to get you interested enough in work so that you can tomorrow find out how this will all play out in your personal situation. We have a great success story for somebody who used their ticket to work and who saw frequent momentum illness and is now successfully working and she can explain her story to you so that you will see what can happen and what the possibilities are. Now, why should somebody work? Why should somebody make the decision to go to work? Clearly there's more money involved and when Kendra starts talking about the rules that are involved here you'll find out that there is almost no chance of having less money if you decide to go to work. I'm gaining independence. It's very, very important that all of the people that we work with become independent. Not only independent from public benefits but independent in that they can participate in society. So, gaining independence from the system, from the man and getting on with life the way you choose. Learning new skills. Part of the work that this employment team of yours will do in both our employment network and vocational rehabilitation representative today will talk about is how you can learn new skills so that you can return to work or gain the skills that you need to start working. Meeting new people. It's a wonderful thing out there and that's one of, you know, this is one of the things that people don't really consider when they're returning to work, but if you are about to start a new job, you're going to meet a whole lot of new people. In my own personal experience, I have met people all over this country. I met my spouse while I was working. So lots of things can happen just because you work. Now we have Megan's story so I'm going to turn this over to Mike and as you can see in 2008 Megan had a major depressive episode and turned to disability benefits and her employment team helped her get back on her feet and get back to work. So, Mike, take it away and let's hear Megan's story. [ Background music ] [ Silence ] [ Background music ] >> Megan: I believe it was around January of 2008 I kind of got sick and I took another position and from that position I ended up getting fired, and I had a mental breakdown. So my disability is a mental illness. It took a lot of time for me to get everything back together. I ended up actually having to file bankruptcy. It was really great for me that I was introduced to the Disability Program. After so many months in the Disability Program you can get a ticket to work and then that will help you actually get back into working, but it also allows you to get medical assistance, which helps you for me to be able to see a psychiatrist and doctors and get my medicine and everything like that. Staying at home is not as fun as it looks, but also it's not me. I'm 27 so I don't want to be at home my whole life and have a lot of things to do. So that really made me want to get back to work because that's what I should be doing that's what I want to be doing. The first thing that I received in the mail was my ticket to work and with that it included some websites and pamphlets about what the program was and places you could go and people you could give your tickets to and so I found actually Transcend and I called them. >> Hi, Megan. Welcome, good to see you. How are you doing today? >> Megan: I'm doing pretty good. >> Good. Megan came to Transcend about a year ago. She was seeking a job in the IT DNA synthesis field. She knew exactly what she wanted to do and she worked with our employment counselor in developing her resume, fine tuning her interview skills, identifying employers and after only a few months she was able to obtain employment actually as a temporary agent doing what she wanted to do. >> Megan: One of the big problems or concerns that I had was would I lose my disability benefits if I started working and then I couldn't continue to work and then I would have to start all over again. >> So at that point she connected with me for benefits counseling and I was able to walk her through how her benefits would be affected by that work. She receives Social Security Disability Insurance. So she was happy to learn that she had what are called trial work period months and she was able for nine months to work at a full-time position and not have any decrease in her benefits, she still received full benefits. After those nine months were over she had an additional three months called her grace period months and after those months are over she has an additional three years where her disability check will only be suspended based on her earnings and if she's not able to keep the job, she can return to her Social Security Disability Benefits. >> Megan: It made me feel supported that I could do it and I could try and if it didn't work I could come back but I could keep trying. The job that I do is a document control specialist and the easiest way to explain that is it's part librarian. So people return things to me and I check them out. It's part teacher because when they return things to me I check it to make sure that it's correct and if it's not, I ask for them to redo it. >> What made Megan a success in her job search first and foremost was her willingness to go back to work and our job after that really is how can we support her to make that happen? >> I'd classify Megan as a success story in that she was able to do what she wanted to do where she's continuing to work now and she's earning enough that she's going to be working her way off the disability benefits, she's happy in what she's doing and as long as she's happy, we're very happy for her. >> Megan: The impact has been great. I have a year left to pay off my car and then it's mine forever. I can kind of get my life back under control. I'm looking to move out on my own and just making a lot of good choices that are good for me in just moving forward. [ Background music ] One of the biggest things I like to do is competitive ballroom dance and also when I got in my disability, I gained a lot of weight so that wasn't as fun for me as it could have been. So, now it's getting more fun and I'm enjoying it, I like the costumes so that's a big thing that I do. [ Background music ] Now I have a lot of focus. I'm not going to say that sometimes I don't fall back into the abyss, but now I know and I've received the tools from Transcend for myself and from the people that they've put me in contact with to pull myself out and to keep going. I don't think that I will ever not fall back, but I don't believe that I will never keep moving forward. This is a program that can help anyone no matter what your disability, no matter who you are or where you live this is something that can help you move forward and to continue on with your life. [ Background music ] [ Background typing ] >> Ray Cebula: Okay, everybody. I want to thank Megan for that story and Social Security for helping put that little video together for us. We have had a few questions come up in the box and one of them is rather important and they asked whether or not this session and the information that we're talking about only applies to people with mental illness and the answer to that is no. This webinar is focusing on people with mental illness but the work incentives and the Ticket to Work Plan that Kendra is going to share with you as well as the information that the rest of our speakers will share with you apply to people with disabilities who receive benefits from the Social Security Administration. So let's move on from there. Now we've got common concerns that have to be addressed and these are the major things that we've experienced over the years that people experience when they want to go to work. Are they going to lose their benefits? We can tell you pretty much the answer is no, not immediately and maybe there's a possible way to put a plan together for you to get off of benefits at a pace that you're comfortable with. How do I get the skills and experience that you need in order to get a job? How do you explain that gap in your resume? We have folks coming up who are going to talk about those very things and what if you have to stop working after you've started? Social Security has taken care of that as well and there are ways depending on where you are and the progression of your return to work to get back onto benefits very easily without a new application, without the hassle of going before an administrative law judge for a hearing or things like that. So right now we're going to move into the meat and potatoes of today's discussion and Kendra Berry, who is a CWIC, a Community Work Incentives Coordinator with Aspire Indiana Works, is going to share some information about the Ticket to Work and work incentive projects. So, if you would take it away, Kendra? >> Kendra Berry: Thanks, Ray. As Ray said, I am a Community Work Incentive Coordinator with Indiana Works, which is the WIPA Project, the Work Incentives Planning and Assistance Project, for northern central Indiana. The WIPA Projects are Social Security, approved organizations that provide free services beneficiary. What we're here to do is help you understand exactly how working will impact your benefit. We can help you understand not only how it will impact your Social Security payments but also things [inaudible], Medicaid, Medicare, HUD and other assistance that you may be receiving. The WIPA Projects can help you make informed choices about working and help you decide what's best for you right now. Whether your goal is to work part time or full time they can help you to understand how working will impact all of your benefits. The WIPA staff, the CWICS that you'll be working with are trained to provide this information about both the Ticket to Work Program and the work incentive that Social Security has developed. They'll be able to answer the questions that you have and help you find the resources to achieve your goals. They can get you hooked up with agencies such as vocational rehabilitation and the employment networks and you'll hear from them later in the presentation. Next slide. You guys are obviously ready to explore the idea of returning to work. So where do you go from here? You've made the right decision in joining today's presentation to get a brief overview of all of the work incentives and information available to you. You can learn more about the work incentives that apply to you. You'll learn how to build your employment team and what agencies can help you get a job from creating a resume to practicing interview skills to getting out there and submitting application. Like Ray said they'll be able to help you answer questions that you may feel uncomfortable about now such as why haven't you worked in a few years? Or tell me what's going on with you. It's important to stay positive and look for opportunities and that's what this presentation will help you to do. It'll help you get hooked up to different resources to help you find employment and to reach your goals. Next slide. Social Security Disability Benefit Programs are broken down into two main programs. The first is Social Security Disability Insurance or SSDI. This is for people who have worked in the past, they've paid FICA taxes and they're receiving this money based on their work record or they became disabled before the age of 22 and are receiving against a parent's record. The other program is Supplemental Security Income or SSI and this is for people who maybe didn't work enough in the past or didn't work close enough to the time when they became disabled to qualify for SSDI. Some of you may be receiving both SSDI and SSI and this is known as concurrent benefit. The reason we're going over this is because there are different work incentives available for both SSDI and SSI so it will be important to understand which benefit you have. If you have a question about which benefit you have, your WIPA Project will be able to help you understand what you're receiving and which work incentives apply to your situation. Next slide. Some of the most common concerns that I hear when I'm working with people are what risks am I taking by going back to work or going to school to further my education? What's going to happen to my SSI payment or my SSDI? Will it stop? What about my insurance? Will I lose insurance when I go to work? I wouldn't be able to work without that. Or what happens if I end up with an over payment? Is there a way to prevent that from happening? We're going to answer all of those questions in this presentation. Just as a reminder, this is a brief overview and there are more work incentives that what we're going to review today. Like the bottom of the page says change can be scary but it's a lot less scary when you know some of the basic program rules. Next slide. The next biggest myth out there is that by going to work you'll automatically lose your Medicare and Medicaid. This is just not the case. As long as you're receiving a benefit check either SSDI or SSI, you'll be able to keep your health insurance. For those of you who have Medicare, Medicare can continue for up to 93 months after your benefits stop. That's seven years and nine months of continued Medicare coverage and depending on your situation you may be able to qualify to receive it for even longer. For those of you who have Medicaid whether you're on SSI or SSDI Medicaid can also continue while you're working. Here in the State of Indiana if you are a SSI recipient only you can continue to have Medicaid at no cost to you until your yearly earnings exceed over $34,000. So going to work is not going to cause you to lose insurance even if you just want to work part time. Next slide. The second biggest myth out there is that if you use your Ticket to Work to go back to work, Social Security will perform a medical review and you'll lose your benefits. While your Ticket to Work is in use, Social Security will not complete a Continuing Disability Review or a CDR. What that is is it's the four-page packet that you receive every so many years asking questions like are you still seeing a doctor, are you taking medications, is your disability the same? That medical review will not be completed even if it's scheduled to be while your ticket is in use or signed and you're making progress towards your work goals. So, it shouldn't scare you to go back to work and think that everything is just going to be stopped. Next slide. The last biggest myth is I think the scariest one. A lot of people are concerned that they're going to go back to work and maybe they'll even work their way off benefits let's say three years down the line their disability will worsen and they won't be able to work and they'll have to go through the application process again. I'm sure some of you had a really hard time getting the disability benefits and you had to appeal and it took years. If you go back to work using these work incentives, if your benefits ended within a five-year period and your work now stopped, you don't have to reapply. Both SSDI and SSI recipients can request expedited reinstatement. Social Security will give you up to six months of payments automatically why they re-determine your disability. So, you won't have to go through that reapplication or go through the appeals process and it's basically a safety net for you that provides you the assurance to know you have the chance to go out there and find a job. Next slide. The Ticket to Work Program was created to give you assistance with learning what jobs are out there and what agencies can help you and it's a free service. Next slide. The way the tickets works is it's free and voluntary and you're in control. Social Security created this to get people hooked up with agencies like Vocational Rehabilitation and Employment Networks to you find a job. These agencies will assist you with the resume building and the skills testing and the interview preparation to help you find a job. Because these services are free to you, you should take full advantage of them and remember that you're in charge. You get to choose who to work with and if you find out after a couple of months it's not a good fit, you can choose a different agency to work with. Most with disabilities aged 18 to 64 who receive either SSDI and/or SSI can participate in the Ticket to Work Program. So it's a great option for you. Next slide. So what does the Ticket to Work Program actually do? A lot of you could have received tickets within the last few years and it came in the mail and they were scary. People thought it meant Social Security was going to force them to go back to work and they just put them aside and didn't worry about them and this Ticket to Work Program is really a benefit to you because it helps you get back out there whether, again, whether the goal is to work part time or full time. So, if you're ready to make money, the Ticket to Work Program can help you to improve your earning potential and to reach the goals that you have. If you feel like you're ready for some personal fulfillment and you want to boost your self-esteem by getting a job, this will provide you with the assurance and stability that you need to feel confident but still know that you have a safety net, you have a support team in the employment team that has been created for you. If you're feeling discouraged that your disability is going to prevent anyone from wanting to hire you or the ups and downs of your disability are going to make it hard for you to learn, this will help give you the confidence and the sense of control of your work options. Again, this is all up to you. If you just want to start out part time to see how much you can handle, that's a great way to go about things. If you're ready to go out there and try full time, you can do that as well and you'll have a big support team to help you. The WIPA Project can help understand a work incentive and exactly how different types of employment will affect your benefits and the employment networks will be able to be there one-on-one with you to hold your hand and to get you through the process. If you're afraid that you'll lose your benefits and you won't be able to get them back, that expedited reinstatement will give you the peace of mind to know that you won't have to go through that whole reapplication process and submitting all the documents and all of that. It won't take as long as it did the first time. If you're afraid that you won't be able to get back on benefits if you lose your job completely, the expedited reinstatement will also cover that because it gets you back on the fast track to getting the benefits restarted. Lastly if you're feeling overwhelmed, you should know that you are not alone. This is a lot of information and this presentation is just to give you an overview and to let you know that these programs do exist. It's meant to connect you with people and the resources that you may need. Next slide. As far as the resources go, there are a lot of them with the Ticket to Work Program. The first is the Ticket to Work Helpline at 1-866-968-742 or if you're hearing impaired, at 866-833-2967. They'll be able to answer some basic questions for you and give you a list of the employment networks. They'll also be able to get you hooked up with your WIPA projects. You can visit www.socialsecurity.gov/work to find the Work Incentive Planning and Assistance Project near you and get you [inaudible] with your Community Work Incentive Coordinator like myself to figure out which work incentives apply to you. No one is going to tell you what your work goal should be. So, whether you come in wanting part time, full time, two hours a week or 40 plus, we will just help you understand how you can achieve that work goal using these programs. You can stay connected using your new employment team as experts to help you explore these options and to understand what options are available to you. Next slide. So now that I've mentioned these work incentives, let's start going over some of them and understanding how they'll be able to help you as you get out there and start considering working. Next slide. The work incentives are meant to be your bridge to success. They're there to provide a safety net while you find a job that's a good fit for you. Next slide. The way that they work and the many dangers to them are that they provide training for new skills if that's something that you're considering. For some people their disability has caused them not to be able to go back to the field that they used to work in and maybe you need to further your education or you want to get training in a different field. You can use the Ticket to Work Program to do that. They will help you improve the skills that you already have or maybe brush up on some things like creating a resume or just updating your resume to sell you better to the employers. You'd be able to pursue your education, try different jobs, start a career and gain confidence. The starting a career I think is the most important part of this because, again, this program is completely built by you. Whatever your goal is our goal is to help you reach it and we want you to find a job that's a good fit for you. When you assign your ticket to an agency or start working with vocational rehabilitation, they're not temp services. They're not just going to place you somewhere. They're going to help you find a job that you want so that you're happy with it. Next slide. These are some of the most common work incentives and, again, this is where it comes into play about knowing whether you're receiving SSDI, SSI or both because the work incentives are different. The first work incentive available to SSDI recipients is the trial work period. What this is is a nine-month period that allows you to earn as much money as you want and continue to receive your SSDI check. The way that it works is that if you're earning more than 720 gross per month that's before taxes then you would want to do trial work period months. The point of it is that especially for those of you who want to go back to work full time you could go back for nine months and see if you're able to do it and if you like that job and you continue to receive your SSDI check just as a supplement and provide that first safety net. The nine months do not have to be consecutive or in a row it's nine months over a five-year period. Once you've used this work incentive if you use it and you only have one available per period of disability the work incentive available after the trial work period so, again, for SSDI recipients [inaudible] extended period of eligibility. During the three-year period after the trial work period Social Security may restart your SSDI benefits automatically depending on where your earnings are at. I mentioned SGA before, which is the Substantial Gains [inaudible]. Social Security created or they have to decide on a level at which SSDI benefits will stop and in 2011 that amount is $1,000 per month. So if you're receiving SSDI and your work earnings are less than $1,000 per month, your SSDI will continue. This extended period of eligibility allows your entitlement to SSDI to continue even if your earnings fluctuate. So, for example, say you find a job and you're earning $900 a month gross before taxes on average but the holidays roll around and you pick up some extra hours and in November and December you earn $1,200. You would not be eligible to receive your check for November and December because you earned more than $1,000, but if you're earnings went back down to $900 come January, you would be eligible to receive the check for January and this is just an automatic period of reinstatement where if your earnings fluctuate would depend on your eligibility to receive your check and, again, it's the next safety net for people who are trying to find the job that's the best fit for them. For SSI recipients only there's the earned income exclusion. Because SSI is a needs-based program any income you have will affect the amount of SSI you receive. In 2011, the [inaudible] rate for SSI is $674 and that could be different depending on the state that you live in so I would encourage you to contact your WIPA Project in your state. The way Social Security is going to look at your earnings is they're going to count less half of your earnings. So, for example, if you're earning $885 per month Social Security does not count the first $85 of earnings and after that they count half. So they would count $400. Instead of receiving a check for $674 in SSI, you would receive a check for $274. I think that scares a lot of people because they just focus on that $400 less in SSI, but you earned 885 from working and you're still receiving 274 in SSI. So your monthly income is over $1,100 which is a lot more than the 674 you were receiving before you begin working. This is going to be true for 99% of recipients. So it's worth it to go back to work. The other thing to consider is that by working you'll be paying your FICA taxes and paying into the system to become eligible for SSDI in the future and to increase the amount of money that you will be entitled to when it's time to retire. As we've already gone over, the expedited re-instatement is available for both SSDI and SSI recipients and it's that protection that if you have to stop working for any reason within the five-year period after your benefits stop, you can request expedited reinstatement instead of reapplying and going through that whole process again to get your Social Security restarted. The protection from the medical continuing disability review is also another big bonus because what it does is it stops those reviews from happening. So Social Security won't just assume that because you're working you're no longer disabled. They have created these work incentives and set certain limits so that they know you have to have a chance to get on your feet before they just take everything away. As I stated at the beginning, these are not all of the work incentives. This is just an overview of some of the bigger ones and the first ones that you'll see when you begin working. When you contact your WIPA Project in your state and in your area they'll be able to father information from Social Security about your benefits and about if you've used any of these work incentives and also explain to you how working will affect other benefits you have such as food stamps, HUD, Medicaid, Medicare, anything out there. With that I thank you for listening to me and I will hand this back off to Ray. >> Ray Cebula: Okay, thank you very much, Kendra. That was just great. Now we have mentioned throughout the discussion so far that we're trying to build an employment team and every member of today's panel is part of that team or could potentially be part of that team and we're talking about employment networks that are private agencies that can help you get a job, keep a job, prepare for getting a job or provide you with some other assistance that you may need to get ready for that job. The State Vocational Rehabilitation Agencies that can provide you with lots of great training, lots of great equipment that you may need to do that, work incentive planning and assistance Kendra has already talked to you about what those agencies do and what that CWIC can do for you to make a plan that pertains to your specific situation so that you will know what's about to happen to your benefit situation when it does happen you'll know in advance when things should happen. Sue will be talking to us about the State Protection and Advocacy System. Now that system is in place and we hope you don't need it because it's the legal arm of all of this. If you do incur a bump in the road, hit a pot hole and need legal representation there is a service available to you free of charge to help out with that and Sue will explain to us what types of services you might be available, that might be available through that program and the last member of this team is actually an employee of the Social Security Administration and they're called the Area Work Incentives Coordinators or AWICs. Now the AWICs are folks who work for Social Security as I said and provides support to the Social Security workers about how to process work related cases. They are also very helpful to CWICs and all of us, all of the members of your work team in making sure that your case flows as smoothly as possible through the Social Security Administration. Now Carla Orr is here to speak with us today and she is an employment network and I will let her introduce herself and explain a little bit about her employment network to you as well as provide you with some information that she might be able to help you out with. So, Carla, take it away. >> Carla Orr: Thanks, Ray. Hi, everyone, it's a pleasure to be here and I just wanted to speak from part of the employment team that represents the employment networks. So, you're ready to go to work. First of all you're going to locate an employment network near you. There are three great resources that can assist you with this and you can be as independent as possible. You can call the Ticket for Work Helpline and you can request to speak with a benefits counselor who will list the employment networks in your area. They can also provide you with the WIPA or the Work Incentive Planning and Assistant Projects in your area. You can go to your tickettowork.com to access a list of employment networks that are near you on your own. I also think it's a fantastic idea to go to Social Security's website and get a provider list of the benefits planning, work incentives planning in your area so that you can make sure to pick the right spot that's near you that can talk to your needs. Next slide, please. Selecting employment networks that is right for you. So this is where the rubber hits the road if you will. What you want to do is you want to start the interviewing process by looking over those agencies that are near you and asking them questions. Ask them questions that are important to you. Take some time to make a list so that you will kind of hit the ground running and make sure that your needs will be met by those employment networks because they operate differently at times. We provided a sample list of questions for you too on this slide and you can refer to those as well. Those are great questions. Next slide, please. It's important when you're doing the interviewing and making your selection that you understand the employment networks have a certain ethics and responsibilities and you choose guidelines that we need to follow and that we do. First of all the EN Services are at no cost to you. We do a great job of helping you understand the ticket program, which even after a wonderful wise event like this can still seem somewhat confusing to individuals. We can also outline and explain our services when we first meet with you so that you kind of will get a good picture of what's going on and what you can expect. We can discuss worries and express any concerns you may have. A lot of those are ferreted out in fears but they can really be talked about and assist you with your return to work by addressing and kind of taking them head on. We can help you with your plan and assist you in your efforts towards a timely process, which is what Social Security looks at while you're ticket to work is assigned within Employment Network. Next slide, please. Your responsibilities as far as being a partner in this contract or plan if you will it's real important for you to be honest about your work history and your work goals because that will do a lot to drive toward the success and overall achievement as far as your career ambitions. You'll assign your ticket to an agency and you'll sign the individual work plan after you've developed that with that provider. You'll develop timely progress reports. You'll keep in contact with the employment networks so that we can provide a really good feedback as far as how well you're doing and milestones that you're achieving. We'll also, oh, we'll also request that once you get a job that you start sharing those check stubs with us. It's real important so that we can communicate clearly with Social Security and [inaudible] assist the Ticket to Work. Also it's important that when you get your job that you report your earnings to Social Security and oftentimes the individual will ask me to do that for them and that's not a problem either. Next slide. Oh, there's lots of examples on this next slide about the services that [inaudible] kind of offer you and basically it's just helping you develop a really good job search campaign and that might be whatever your needs are as much or as little as you need to help you get to the next step which is work. We might help you with resumes, we might help you with applications, interviewing, interviewing tips, access to resources so that you can apply without worry or being on timed deadlines like at a library or at the work one centers. Job leads, we can help you with job leads. Accommodation information, career development opportunities, definitely tax incentive and that's included usually in the work incentives planning piece. So, you should have plenty of information about that. Referrals to other resources. Oftentimes there's community opportunities and resources that will help you right in your backyard and you just may not know about it but an employment network in your area or the VR system or somebody probably willing can help. Sometimes with this population in particular people with mental illness might just be someone to talk to and to help them get through the process. A lot of the time is spent just doing supportive counseling and communication and kind of like a life coach or a cheerleader if you will on your journey to employment. Next slide. One example of an employment effort is, of course, ours and we are a part of a community mental health center in our state and what benefit that has for myself and my team and you because once we're helping you find employment is that we are fully immersed on the education protocols for the clinical staff at our agency. So we have a lot of training and kind of know how and hands on experience so that that helps us build your written work plan and help us instill some hope. We are a firm believer in individual placement services and supported employment best practice. So, one of the hottest things for folks typically with a mental illness is that you need rapid engagement and immediate job development and job search practice. You have to hit while the iron is hot. This population is very unique in that the quicker you can react to an immediate statement, I'm ready to go to work, typically yields to a higher success rate and we've been real excited to see that. Another part of our mental health center is a huge belief in the illness management recovery and motivational interviewing. All of that hope in helping others see hope and asking the questions in the right way and helping people come to their own answers and set their own goals and reach those goals. The work incentive planning and assist in opportunities through training that we've had has been phenomenal and that is a huge piece to walk you through each different work incentive that Kendra explained and, you know, just kind of chunking away at it and dealing with it a step at a time has been really beneficial and has seen a lot of folks reach some wonderful milestones of success. That's it for me. Thank you very much. >> Ray Cebula: Okay. Thank you, Carla, thanks for sharing that information. Next we're going to move on to another member of the employment team the State Vocational Rehabilitation Agency and today we have Colleen Hart Catowin [phonetic]. I hope I pronounced that correctly. >> Colleen Hart Catowin: Pretty close. >> Ray Cebula: Okay. [laughter] Who is with Indiana VR who will explain what types of services the state agency can provide. >> Colleen Hart Catowin: Yes, this is Colleen Hart Catowin. I am the area supervisor for one of 25 offices in Indiana. I will speak mostly to overall what DR Voc Rehab provides which should be relatively speaking consistent across all the states and where I think that Indiana might be more specific in one area I'll specify that. Indiana is another version, I'm sorry, Indiana Voc Rehab or voc rehab in general is another version of an employment network in its own way. There have been changes over the years about how voc rehab has acted as [inaudible] and some states do do it differently. In Indiana, we have what's called Partnership Plus and so we work with other employment networks both before and after services and that may be different in your state if you're not in Indiana. So, I will speak to how that's a little different here so that you know in your own state how that might work. In Indiana, we assume that anybody who is a Social Security beneficiary is also going to be eligible for services and this should be true of any VR office around the country. There's what we call presumptive eligibility. Normally when someone comes to vocational rehabilitation for services, they have to show that they have an impediment to employment that's caused by a disability and that that is the reason why they either can't work or they can't stay employed or they've just plain never been able to get a job. We assume that if somebody has social security either SSI or SSDI that they already have been evaluated and somebody has already said that they have a disability that has kept them from working or has prevented them from being able to continue to work. It doesn't mean that necessarily you get carte blanche all services but it says, okay, we'll say, yes, you're going to be probably eligible for our services. When someone becomes eligible for services, there's a federal requirement that someone has a plan established within a certain amount of time after that eligibility is determined. So in most cases if you go in and you apply to vocational rehabilitation and you have your Social Security letter in hand or you've got a copy of your deposit from your check and you can prove that you're a beneficiary they can make you eligible pretty quickly. However, in order to set a plan of services, the counselor may have to do some additional testing to determine what kinds of services you might need, what's your job goals, what kinds of supports you might need, any assistive technology, and there's a whole process of establishing that plan and that plan is like a contract. It establishes what the counselor is going to do for you to help you achieve your job goal, it establishes what you're going to do towards that and it also establishes what other providers might be involved. In a lot of cases, voc rehab will contract out with providers much like the agency that Carla works for. Her agency also provides services on contract with voc rehab and they will do job placement services or supportive employment. In some cases, we can also fund additional training or education if someone can't achieve employment because they don't have the training necessary and the disability has prevented them from achieving that job goal or completing the training and so we might provide the supports for that or the assistive technology to achieve that. All of those things are written into an employment plan and that's the contract that you will follow to achieve that job goal. Once you have applied to voc rehab regardless of where you are in the process once your application is taken we are likely any other employment network and we have taken your ticket. Your ticket is going to be considered in use. If that's the case, you cannot take your ticket anywhere else at the same time. So, for example, if you wanted to use voc rehab, you couldn't also use Carla's agency to provide other services. The exception to that would be in Indiana or any other partnership plus state, we have an understanding with certain providers that we will contract with them and you might get the best of both worlds. Your ticket is in use with us, but you can still get Carla's services because we're contracting with them. So depending on your state, you may have exclusively one agency that you work with all the time or you may have the benefit of partnership plus where voc rehab works in conjunction with other agencies and beneficiaries have a lot of extra resources available to them and as Kendra said as long as your ticket is in use and you're making timely progress and you're, you know, working through your plan that you've established you are going to be exempted from those continuing disability reviews. Next slide. So, as long as you are working with voc rehab and working towards those goals and meeting those progress reviews, you should be able to continue to receive your benefits, you'll be eligible for your trial work periods and all those other things that Kendra was talking about, the work incentives that are available. Voc rehab's goal is employment and we are kind of the middle man, you know, we're not going to be following your case forever. We expect that if you have gotten a job through our services or in conjunction with that other agency, that if you've worked 90 days and you're stable on that job we are going to close your case. If that's the case, then your ticket goes out of use with us and we will at least in Indiana because we're a partnership plus we will then help you transfer your case to another employment network that's going to provide long-term services to you. In many cases, for example, you're in supported employment, if you used supported employment to get your job, a lot of those employment networks are already going to be providing long-term follow along services, but we now have a system in place where automatically your ticket is put into use with another EN once your case is closed with VR. Now if at any point in time you're with VR and you decide you don't want to work with VR anymore and you only want to exclusively work with this EN, for example, a college. Sometimes there's certain training programs in colleges that will be employment networks. They want to help ticket holders to put their ticket with them. In those cases, VR is required to close your case in order to transfer the ticket to that employment network if we don't already have a contract with them with that other EN. So just be aware that some employment networks are exclusive and want to be the ticket holder and whoever is the ticket holder is the one who is considered the employment network. During the time that your case is open with voc rehab, we will also have you connect with community work incentive counselor such as Kendra or whoever is in your area. Indiana, we have some additional benefits that's analysis resources that are available through vocational rehabilitation as well that they're a little bit more localized, but we have all of those things available. I think that is essentially it from the perspective of voc rehab. So I'll send it back to you, Ray. >> Ray Cebula: Okay, thank you, Colleen. And we will move on now to the protection and advocacy for beneficiaries of Social Security with the PABSS Program and Sue Beecher is here to speak with us today. So, Sue, if you could take it away, please? >> Sue Beecher: Good afternoon, everybody. This is a lot of information for you to take in, but I think the one thing I would like you to take away from this is that this is a fabulous program to allow you to achieve a career and it's not just about getting you to work it is about getting you a career. The Protection Advocacy for Beneficiaries of Social Security as Ray said earlier you hope you don't have to use us, but we're here if you need to use us. We are in a sense the complaint department. It's important for you to know that even after this call you may have questions, you may need additional information, and you can call your PABSS project. There's one in every state and every [inaudible] in the United States and they provide many services. We can answer questions and it's also important for you to know that every question you have or concern is important to everyone involved with the ticket program. You can never ask too many questions, you can never make too many calls. We are here to serve you as the beneficiary in your effort to achieve a career. Our focus is indeed that individuals who are SSDI and SSI eligible can get back to work, can go to work, can get those services and supports they need to be able to achieve work. All of our services are free. Every phone call, representation, we will try to resolve your issue at the lowest possible level of intervention, which means it may take just a phone call or providing you with information to empower you to resolve your issue all the way up to legal representation if heaven forbid that is needed for you to get your issue resolved as you return back to work and achieve a career. You don't necessarily need to have a ticket to call us. If you're at the earliest stages of considering working, you can give PABSS call, again, no question is too unimportant for us to find an answer for you. Again, the ticket doesn't necessarily have to be assigned either for us to be involved. If your question or your concern revolves around your desire to return to work, as a beneficiary then PABSS is the place to call. We can assist you in many ways. We can advocate for you to have the work place accommodations that you need to keep you on the job once you're employed, we can assist in coordinating services as you seek employment from the various employment networks. You heard from Indiana Vocational Rehabilitation Services, there's a vocational rehabilitation agency in every state and territory or any other employment network much like Carla's employment network that serves individuals with mental illness. So, again, we can at times just kind of be the, we kind of calm the water sometimes and oftentimes beneficiaries will worry that if they cause waves or they call with their concerns that they will burn a bridge between that employment network and themselves. We are experts at assisting you and resolving issues and we will do that in a manner that's professional and in a manner that allows you to continue working with that employment network as well as us continuing to work with them. We're all on the same page. We all want you to achieve a career if that is what you want and so that common bond takes us all a long way and it's to your benefit. We can provide services anything from giving you information. We can refer you to other entities. In Indiana, the PABSS Program falls with the Indiana Protection and Advocacy Agency. We have two or three other programs that can assist people with mental illness in non-work related issues. So, we're very good at referring you elsewhere even if the issue does not pertain to employment. We don't do direct benefits counseling in Indiana but some PABSS Programs do and although we don't do direct counseling, we know where to send you if that is something that you desire. So, we can as I said before any question you have, any concern, any issue you want to discuss PABSS is available for you and it's free and you can use it as many times as you feel you need to as you gain a career. We can assist you also in removing work barriers. We can assist you possibly with discrimination issues if that is something that comes up in your pathway without achieving your career. We can also address over payment issues whether we do that directly or provide you with information on how best to deal with Social Security in relationship to an over payment that relates to your return to work. Keep in mind that, again, everyone that has talked today is supporting you to gain a career. This isn't just about plugging you into any job or treating your request lightly. You have people absolutely dedicated to assisting you in finding and maintaining a career. And, Ray, that's it for me. >> Ray Cebula: Okay, thank you very much, Sue. Before we get to some of your questions we're going to just point out a few of the other resources for you. As I said, there are hundreds and hundreds of people participating in today's webinar so we're not going to possibly be able to get to all of your questions, but where can you get more information? Socialsecurity.gov/work will allow you to find everything that we have just talked about. You'll be able to find your local WIPA Project, the employment networks that serve your area, your state VR agency and lots and lots of resources and information about both Ticket to Work Program and all of the work incentives that Kendra talked about. If we don't get to your question today, the Ticket to Work helpline at 1-866-968-6842 for voice and TTY is 1-866-833-2967. That line is staffed with folks who can answer all of your questions and make a referral to your local CWICs so you can sit down with somebody face-to-face and get the specifics about what will happen to you and when along this journey to work as well as who you might want to pair up with for your employment team. Now, we've got lots of questions and let's just start with, how about we start with one for Kendra. Kendra, we have somebody who wants to know how long they need to receive benefits before they can begin to participate in the Ticket to Work Program? >> Kendra Berry: You can being using the Ticket to Work Program as soon as you are receiving benefits. The best thing that I would tell people to do is to contact that [inaudible] phone number, the 866 number that is listed on the Ticket to Work helpline and they can assist you with gathering that information. The next thing to do would be to get in touch with your local WIPA projects because they'll be able to tell you which work incentives apply to you as you begin the process of going through and finding employment. >> Ray Cebula: Okay, Kendra. I want to ask you another question and it seems to be a general question from lots of people out there today. How am I supposed to survive without my benefits? >> Kendra Berry: The point of this program is that you don't have to survive without your benefits if that's not your goal. The goal of this program is to help people find employment, and again whether it's part time or full time. For those of you who want to come off of the cash benefit, these work incentives will help provide a safety net while you achieve that goal. If you need the insurance, you can continue to carry that Medicare for up to seven years and nine months automatically and longer depending on your circumstances and although Medicaid differs in different states for SSI recipients in Indiana until you're earnings are above $34,000 a year Medicaid will continue and SSDI recipients in Indiana can also have Medicaid and we have a program called Medaworks [phonetic] which allows people to pay a monthly premium to keep Medicaid and that continues until earnings are above $70,000 a year. So, this question is it's kind of difficult and there are a few different answers. You don't have to come off of your benefits, but if your goal is to do that working with the WIPA project and the employment networks and the other agencies that we heard from will help you to achieve whatever your goal is. By going back to work, again, you're contributing back to the system, you're paying the FICA taxes so you'll become eligible to receive more benefits in the future should you need to go back onto disability or when it comes time for you to retire. >> Ray Cebula: Great, Kendra. Thank you very much for that. Okay, and Sue, it looks like I have one for here, too. Do I have to tell my employer that I have a disability or that I receive benefits? >> Sue Beecher: I'm not an attorney and I'm not an expert on the Americans with Disabilities Act, but I do know that if you call your protection and advocacy agency that they can give you more direct information. Most PABSS Programs, in fact, every one of them have an attorney associated with that. I do know that you cannot be discriminated against in terms of hiring based on your disability or being a beneficiary. I would encourage you to get in touch with your PABSS Program and ask for more specific legal information. >> Ray Cebula: Okay. Thank you very much. Okay, and for Carla and Colleen, I've got a bunch of questions for you. What types of training and educational opportunities might be available? >> Colleen Hart Catowin: Carla, do you want to speak to that or do you want me to? >> Carla Orr: I think that would be better with you, Colleen. >> Colleen Hart Catowin: Okay. [laughter] Training and education. It's going to be different for an employment network than it will be for voc rehab. Vocational rehabilitation can provide a pretty broad spectrum of services. We provide automatically for anybody that comes through services we provide vocational counseling and guidance. So we can do some career assessment with people and do some real basic counseling and what is an appropriate job goal and those kinds of things. We can also provide or contract for training such as on the job training where if somebody knows what they want to do and they have a job offer, that either somebody comes in and wants to, somebody either actually comes in and provides the coaching on the job with the person, which is usually done through job placement or supported employment services or in some cases the employer is provided with financial incentives to provide extra training and support to the individual and that's a service that can be done through voc rehab. In some cases we can actually do some funding for school, you know, we can help depending on the job goal if somebody needs an associate's degree or bachelor's degree to actually achieve the educational requirements for a job and they can't do that without some kind of accommodations or support, then we can actually assist with those costs and help somebody get through the educational experience that would then get them into the job. It could be something like a trucking school or a certificate program that is a very short-term six-month, nine-month program that gives you a certification or a licensure to provide services. Those are all things that voc rehab can fund if they are related to the job goal and necessary. Then, of course, there's accommodations or assistive technology that might go along with those kinds of things. I think other employment networks and I'm speaking from a general perspective, most employment networks when they provide training, it's more job preparation skills, you know, resume writing, interview skills, those kinds of things. Feel to jump in here, Carla, but a lot of times when voc rehab contracts with agencies to provide placement services, those things are part of those placement services. >> Carla Orr: That would be an accurate assessment, Colleen. I think the only training programs or schooling opportunities that I've even touched on with the ticket holders I've worked with are those that they want to apply for an ID or a savings account or a pass plan through the WIPA Project and they want to save their own money and do it their own way and those are some resources that are done but other than that you're pretty much right on it. Job preparedness, going to the work once and learning how to build your own skills and develop a really good job search campaign for yourself so that you can use that on an ongoing basis. >> Ray Cebula: Okay. Thank you for that and please excuse the beagles in the background. [laughter] We have another question for the voc rehab person [inaudible] on board here. Is it possible for somebody to develop a job that they can do from their home? >> Colleen Hart Catowin: Absolutely. This is Colleen from voc rehab. We actually have a number of employers, not a whole bunch, but we do have employers here in Indiana that have work-at-home jobs, and we have had success with getting folks in those jobs with the right accommodations, with the right assistive technology, as long as they're able to do the job and meet the requirements of the job. I mean some of them are, they're not your I work when I want to kinds of jobs. It's like I work from 8-12 because that's when I'm scheduled to work on the phones from my computer. In some cases on a very individualized basis, we might do small businesses or self-employment enterprises, but that's a pretty complex process but it can be done and it's done on a case-by-case basis with a lot of counseling and guidance and, Carla, feel free to chip in. >> Carla Orr: I would agree. I think there are those work from home opportunities out there and I believe that the right fit goes with the right person but they are so hard to find for me from my standpoint, but I definitely when someone says that's what I want to do that's what we look for. >> Ray Cebula: Okay. Thanks a lot. Kendra, we're going to go back to you for this one. How does all of this happen? How do all these work incentives happen when somebody is working on commission? >> Kendra Berry: What do you mean when someone is working on commission? >> Ray Cebula: A car salesman or real estate agent. Somebody who is getting paid as a house is sold or by the car that they sell rather than a regular wage? >> Kendra Berry: If it is not wage employment and is considered self-employment, there are different work incentives that apply to that and your WIPA Project and your CWIC such as myself would be able to walk you through how Social Security looks at self-employment. They're going to look at things such as your net earnings from self-employment and the number of hours you're working to determine how your trial work period is being used. It's a little bit more complicated in some of the things, but some of the work incentives are better such as being able to use things like unpaid help that you may be receiving from a spouse or a friend and doing some aspect of the job. Like if you need help accounting and someone helps you with that, but you're not paying them, you can account for some of those things . So, there are a few different work incentives associated with it and by contacting your WIPA Project they would be able to assist you with that along the way. >> Ray Cebula: Okay, great. And we just had one come in, Kendra, do I need to use my ticket or can I just find a job on my own? >> Kendra Berry: You can find a job on your own; that is completely fine. The main benefit of using the ticket is you don't need help finding a job is the continuing disability work reviews. The medical reviews would not happen and if you look for some employment networks when you look them up, you'll not only find local ones that can help you with the day-to-day work, but there are also national employment networks out there that you can assign your ticket to. There are some other benefits associated with that. So it's worth looking into different employment networks and giving a few a call to assign your ticket. If you choose to assign your ticket or not, you can still contact the WIPA Project to find out which work incentives apply to you and by working with the WIPA Project you would not be assigning your ticket or not. >> Ray Cebula: Okay, thank you. Colleen, we have a question specific to VR. If you're on a waiting list at your VR agency, is your ticket considered to be in use? >> Colleen Hart Catowin: Wow, that's a really good question. I'm guessing -- >> Ray Cebula: -- I thought so, too. >> Colleen Hart Catowin: If you're saying a waiting list, I'm guessing that that means -- I'm sorry, Carla? >> Carla Orr: I was just going to say no it's my guess because the individual work plan has to be signed. >> Colleen Hart Catowin: Right, well, I'm thinking these are states that are in order of selection. >> Carla Orr: Oh, okay. >> Colleen Hart Catowin: That would be my guess. >> That would be my speculation, Colleen. >> Colleen Hart Catowin: Yeah, and if that's the case, usually when somebody applies for vocational rehabilitation services, the application itself we use the Social Security Number from the application. That's how we assign somebody's ticket. So I'm betting they would be of use but that's a really good question. I'm not sure that I'm qualified to answer that. >> Ray Cebula: Yeah, and I think where we have so many different states being represented by our audience that it's the whole notion of waiting lists may differ from state-to-sate as well. One easy way to find out certainly as both women mentioned if you have signed a plan with VR then your ticket is going to be considered in use, but you could always contact Maximums, you know, yourtickettowork.com in order to determine if they have your ticket listed as assigned. So that might be one way to find out, but the best way I think and the most direct way is to talk to your VR worker and ask them straight out whether or not that ticket has been assigned or not given the notion of waiting lists. >> Sue Beecher: Ray, can I do just a quick [inaudible] for Indiana. If Indiana goes on an order of selection through their state Vocational Rehabilitation Services Agency, individuals beneficiaries can grieve or appeal their placement on that waiting list with the assistance of PABBS as well. So that may be something, an issue that your PABSS Program can also assist you with. I agree with Ray that you call whom he suggested first but your PABSS Program may also be very involved with those issues. >> Ray Cebula: Great. Thank you very much. Now, I kind of have one that's a very general question but very important. I want to just send it out there to the entire panel. Somebody wants to know how they can find out what their disability is without being judged? >> Without being judged? >> Ray Cebula: Yeah. I think we have somebody who hasn't been diagnosed yet and is a little bit afraid of the process. >> Well, if they're a beneficiary, I would assume they had been diagnosed. I guess judged in what sense? I'm not sure I understand the question. I would say that you can contact Social Security. If they are receiving benefits already, they could ask Social Security what the disability on record is. >> Ray Cebula: Yeah, and I think that if it is somebody without benefits, somebody who might be participating today who has not received benefits and might be a little hesitant to talk to somebody, a community mental health center or even your treating physician, a general practitioner that you might be associated with right now is a great place to start, but those community mental health centers are generally wonderful, very open and very accepting places to begin if there is not a diagnosis at this point. >> if there is a disability that is interring work and they apply for Social Security, Social Security will also send them to a doctor to get a diagnosis. >> Ray Cebula: That's a true thing. Okay. And lastly I think we're back to the EN and VR for this one. Kendra, I would like you to weigh in as well. What types of services might be available to help kids start planning for their future either education wise or career wise? >> Colleen Hart Catowin: This is Colleen with Voc Rehab. I don't know actually if this is national for voc rehab but I do know it is true in Indiana; I suspect it's true elsewhere. Indiana has some pretty active transition programs I place and when I say transition, I'm talking about kids who are getting ready to graduate from high school. Typically we would look at someone who is either late in their junior year, most often in their actual senior year like the fall and we're going to look at what's their plan for completing high school. Is this someone who is diploma track? Is this someone who is going to be getting a core 40 diploma and expects to go on to college and get a career? Or is this someone who has really, really struggled and has been in special education services, significant special education services, and is getting a certificate of completion, you know, each state is different on how they qualify their graduation for lack of a better term. Are they getting a GED? If you have a student who is probably not going to get any kind of diploma and is just kind of riding out their time, generally speaking you can apply for services whenever they are ready to go to work, and I say that very subjectively. Usually again we're looking at late junior, early senior year. If this is someone who's going to be a professional or with the right supports and services could get a job that's going to require some higher level education, then we're going to need to start with them sometime in their senior year to start getting the eligibility done, to get their plan of services written so that once they graduate, they've got their financial aid stuff in place and if they have any assistive technology and support that need to be in place by the time fall comes around, it's about a year-long process to really get it all up and going, but it's as long or as short as it takes and every state is different with requirements on what the schools are required to provide up until the student graduates. In Indiana, the laws are very clear that until the person finishes or they turn age 22 it's the school's responsibility to provide a lot of those services, those vocational planning services, but if they're not going to finish their high school education, maybe it's appropriate for them to apply to voc rehab and get some placement services right off the bat or go to another EN and get those services. To this is going to differ a lot state-by-state depending on what the laws are, but I mean anybody can go to an EN as long as they're a beneficiary. If they're not, they don't have to be a beneficiary to come to voc rehab. Anybody who has a disability and that disability is impeding their ability to work can apply for voc rehab. It's not exclusive to Social Security beneficiaries. A Ticket to Work or Employment Network Services are exclusive to beneficiaries. So that would be the difference. That's a long answer for that question. >> Ray Cebula: [laughter] It's an important one so it deserves a long answer. Okay. >> Kendra Berry: This is Kendra I have something to add. >> Ray Cebula: Absolutely. >> Kendra Berry: The WIPA projects are grant funded to work with people aged 14 through their natural retirement age. So, if you do have a student who is working with a transition program or training programs in high school receiving benefits, we can assist with understanding the work incentives that will apply to kids who are working in high school to maybe learn a trade or things like that and that is national. So, it's not just state specific for us, but they would have to be receiving either SSDI or SSI. >> Ray Cebula: Okay. Kendra, just one more question for you. Somebody just wants to know how to get this ball rolling. How would they get started? >> Kendra Berry: The best thing to do is either to visit one of the websites provided or just call the 866 number and you'll be put into contact with your local WIPA Project. I think that's going to be the best place to start. You'll also be given contact information for the employment networks in the vocational rehabilitation so that you can start deciding what your options are and exactly how work will affect your benefits. >> Ray Cebula: Great, great. Thank you very much. We did have somebody ask a question about Veteran's benefits and what I want to let everybody know by way of preview is that on November 16th we will be having a WISE event focusing on Veterans. So please tune in on November And I just want to give you that Ticket to Work Helpline number one more time. That is 1-866-968-7842 or if you're using a TTY 866-833-2967. I'd like to thank all of our panelists today for the great information they shared and hope everybody enjoyed it. In about a weeks' time, you'll be getting a link to this webinar if you do choose to listen to it again or need to hear parts of it again or just need the information to contact Social Security or the call center to get yourself started, you'll be able to link in and get that again. So, please, everybody have a great afternoon. Thanks, speakers.