ssi workbook · web viewthis ssi workbook provides you with 18 scenarios that you can use to...

Supplemental Security Income (SSI) Workbook

Table of Contents

Instructions................................................................................................................................ 4

Supplemental Security Income Problems...................................................................................5

Linda.......................................................................................................................................5

Jeremy....................................................................................................................................6

Jenna – Part 1.........................................................................................................................8

Jenna – Part 2.......................................................................................................................10

William................................................................................................................................. 12

Lilly....................................................................................................................................... 13

Peyton – Part 1.....................................................................................................................15

Peyton – Part 2.....................................................................................................................17

John...................................................................................................................................... 19

Jimmy – Part 1......................................................................................................................20

Jimmy – Part 2......................................................................................................................22

Pablo.....................................................................................................................................24

Paula.....................................................................................................................................26

Loni.......................................................................................................................................27

Sammie.................................................................................................................................29

Daisy..................................................................................................................................... 31

Ron....................................................................................................................................... 33

T.J. and Cora......................................................................................................................... 35

Appendix - Answer Keys...........................................................................................................37

Linda Answer Key................................................................................................................. 37

Jeremy Answer Key...............................................................................................................38

Jenna – Part 1 Answer Key....................................................................................................40

Jenna – Part 2 Answer Key....................................................................................................41

William Answer Key..............................................................................................................43

Lilly Answer Key....................................................................................................................44

Peyton – Part 1 Answer Key..................................................................................................46

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Peyton – Part 2 Answer Key..................................................................................................48

John Answer Key...................................................................................................................49

Jimmy – Part 1 Answer Key...................................................................................................51

Jimmy – Part 2 Answer Key...................................................................................................52

Pablo Answer Key.................................................................................................................54

Paula Answer Key.................................................................................................................55

Loni Answer Key................................................................................................................... 57

Sammie Answer Key.............................................................................................................59

Daisy Answer Key................................................................................................................. 61

Ron Answer Key....................................................................................................................62

T.J. and Cora Answer Key......................................................................................................64

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InstructionsThis SSI Workbook provides you with 18 scenarios that you can use to practice calculating the effect of work on SSI. Each scenario includes a short narrative, a blank SSI calculation worksheet, and a few questions for you to answer after you’ve completed the calculation worksheet.

In the Appendix, you will find the answer key to each of the scenarios. We have listed the answer keys in the same order as the scenarios in this workbook. After you have completed each scenario, compare your answers to the answer key. If your answer is different than the answer key, review the relevant sections in the manual which includes Units 5 and 6 of Module 3 (https://vcu-ntdc.org/documents/2019/2019_WIPA_Manual_Module_3.pdf), and contact your Technical Assistance (TA) Liaison (https://vcu-ntdc.org/aboutus/liaisons.cfm) to review the related concept.

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https://vcu-ntdc.org/aboutus/liaisons.cfm

https://vcu-ntdc.org/documents/2019/2019_WIPA_Manual_Module_3.pdf

https://vcu-ntdc.org/documents/2019/2019_WIPA_Manual_Module_3.pdf

Supplemental Security Income Problems

LindaLinda receives $771 per month in SSI. She is considering a job offer working as an assistant manager at a flower shop. She will be working 32 hours a week, earning $9.00 an hour. You estimate her average monthly gross wages will be $1,247, based on 4.33 weeks per month. Show Linda how Social Security will adjust her SSI benefit and what her total income will be with her new job using the calculation worksheet below. Then answer the questions below the worksheet.

Linda Step 1: Countable Unearned IncomeStep Calculations

Unearned Income

General Income Exclusion (GIE) $20 −

Countable Unearned Income =

Linda Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income

Student Earned Income Exclusion (SEIE) −

Remainder

GIE (if not used above) $20 −

Remainder

Earned Income Exclusion (EIE) $65 −

Remainder

Impairment Related Work Expenses (IRWE) −

Remainder

Divide by 2

Blind Work Expenses (BWE) −

Total Countable Earned Income =

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Linda Step 3: Total Countable IncomeStep Calculations

Total Countable Unearned Income

Total Countable Earned Income +

PASS Deduction −

Total Countable Income =

Linda Step 4: SSI Benefit AmountStep Calculations

Base SSI Rate ($771 individual, $514 VTR, $1,157 eligible couple)

Total Countable Income −

Adjusted SSI Payment =

Linda Step 5: Financial OutcomeStep Calculations

Adjusted SSI Payment

Gross Earned Income Received +

Gross Unearned Income Received +

PASS, BWE and/or IRWE Expenses −

Total Financial Outcome =

Use the results from the calculation worksheet above to answer the following questions.

1. What is Linda’s adjusted SSI payment?2. What is Linda’s total financial outcome?

Go to Linda answer key

JeremyJeremy receives $771 per month in SSI. He is considering a job offer working as a Sales Manager at a local feed store. He will be working 40 hours a week, earning $10.00 per hour. You estimate he will have an average of $1,732 per month in gross wages, based on 4.33 weeks per month. Show Jeremy how Social Security will adjust his SSI benefit and what his total income will be with his new job using the calculation worksheet below. Then answer the questions below the worksheet.

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Jeremy Step 1: Countable Unearned IncomeStep Calculations

Unearned Income


Countable `Unearned Income =

Jeremy Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Jeremy Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


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Jeremy Step 4: SSI Benefit AmountStep Calculations




Jeremy Step 5: Financial OutcomeStep Calculations







1. What is Jeremy’s adjusted SSI payment?2. What is Jeremy’s total financial outcome?

Go to Jeremy answer key

Jenna – Part 1Jenna is thinking about going to work and has come to you for more information. She tells you that she lives alone, pays all her food and shelter expenses, receives a Social Security Disability Insurance (SSDI) benefit in the amount of $400.00 per month and a Supplemental Security Income (SSI) benefit that is about $400.00 per month. Show Jenna how Social Security has calculated her current SSI benefit using the calculation worksheet below. Then answer the questions below the worksheet.

Jenna Part 1 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



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Jenna Part 1 Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Jenna Part 1 Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


Jenna Part 1 Step 4: SSI Benefit AmountStep Calculations

Base SSI Rate ($771 individual, $514 VTR, $1,157 eligible couple) `



Jenna Part 1 Step 5: Financial OutcomeStep Calculations


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Step CalculationsGross Earned Income Received +





1. What is Jenna’s adjusted SSI payment?2. What is Jenna’s total financial outcome?

Go to Jenna – Part 1 answer key

Jenna – Part 2Jenna then shares that she would like to work 20 hours per week, earning $11.00 per hour, as a delivery driver. You estimate that she will earn $953 per month, based on 4.33 weeks per month. Show Jenna how Social Security will adjust her SSI benefit and what her total income will be with her new job using the calculation worksheet below. Then answer the questions below the worksheet.

Jenna Part 2 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income




Gross Earned Income


Remainder


Remainder


Remainder

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Step CalculationsImpairment Related Work Expenses (IRWE) −

Remainder

Divide by 2






PASS Deduction −













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1. What is Jenna’s adjusted SSI payment? 2. What is Jenna’s total financial outcome? 3. Will Jenna have more or less income with this new job after Social Security

reduces her SSI? (Tip: compare the total financial outcome for each of the Jena exercises)

Go to Jenna – Part 2 answer key

WilliamWilliam is currently receiving a pension in the amount of $650 per month. Wages do not affect this pension in any way. He also receives a small SSI benefit. He pays for all his food and shelter. He works at the movie theater in the ticket booth as a customer service representative. He works 3 days a week, around 15 hours a week and earns $8.50 per hour. Show William an estimate of his SSI benefit and total income with this earning goal using the calculation sheet below. Then answer the questions below the worksheet.

William Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



William Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2

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Step CalculationsBlind Work Expenses (BWE) −


William Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


William Step 4: SSI Benefit AmountStep Calculations




William Step 5: Financial OutcomeStep Calculations







1. What is William’s adjusted SSI payment?2. What is William’s total financial outcome?

Go to William answer key

LillyLilly is currently receiving $275.00 in SSDI benefits. She also receives SSI. Lilly pays all her food and shelter. Lilly is considering a position at the local community college in the library. She will work 5 days a week, around 25 hours a week, and earn 12.50 an hour. You estimate she will

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have average gross wages of $1,353 per month, based on 4.33 weeks per month. When you met with Lilly, she told you that she has an extensive work history and has worked on and off for many years. After receiving Lilly’s BPQY you find that she completed her TWP over 5 years ago. She also ceased and used her Grace Period 4 years ago. Show Lilly an estimate of her SSI benefit and total income with this earning goal using the calculation worksheet below. Then answer the questions below the worksheet.

Lilly Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Lilly Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Lilly Step 3: Total Countable IncomeStep Calculations



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Step CalculationsPASS Deduction −


Lilly Step 4: SSI Benefit AmountStep Calculations




Lilly Step 5: Financial OutcomeStep Calculations







1. What is Lilly’s adjusted SSI payment?2. What is Lilly’s total financial outcome?

Go to Lilly answer key

Peyton – Part 1In July 2019, Peyton comes to you for benefits counseling. Peyton is currently receiving $350.00 in SSDI benefits. He also receives SSI. Peyton began working in May 2019 as a customer service representative at the local state park. He works 3 days a week, around 24 hours a week. He just received a raise and makes 9.50 an hour. You estimate his average monthly gross wages will be $987, based on 4.33 weeks per month. After receiving Peyton’s BPQY, you find that he used 5 of his Trial Work Period (TWP) months as of April 2019. Using the calculation worksheet below, show Peyton how Social Security will adjust his SSI benefit and what his total income will be with his new job. Then answer the questions below the worksheet.

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Peyton Part 1 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Peyton Part 1 Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Peyton Part 1 Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


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Peyton Part 1 Step 4: SSI Benefit AmountStep Calculations




Peyton Part 1 Step 5: Financial OutcomeStep Calculations







1. What is Peyton’s adjusted SSI payment? 2. Will Social Security terminate Peyton’s SSI claim?3. What is Peyton’s total financial outcome?

Go to Peyton – Part 1 answer key

Peyton – Part 2It is now April 2020. Peyton is still working for the state park. He worked 24 hours per week, earning $9.50 per hour, until January 2020 when he received a raise and started working more. Since January 2020 Peyton has been earning $10.00 an hour and working 4 days (32 hours) a week. You estimate his average monthly gross wages have been and will continue to be $1,386, based on 4.33 weeks per month. Peyton received a letter from Social Security notifying him that his SSDI will be suspended starting April 2020. He has been receiving $0 SSI and is wondering if his SSI will continue to be $0. Using the calculation worksheet below show Peyton an estimate of his SSI benefit and what his total income will be with $1,386 of gross wages and no SSDI. Use the 2019 SSI Federal Benefit Rate (FBR) for this activity since you do not know the 2020 FBR. Then answer the questions below the worksheet.

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Peyton Part 2 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income




Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2






PASS Deduction −


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1. What is Peyton’s adjusted SSI payment? 2. What is Peyton’s total financial outcome? 3. Will Peyton have more or less income now that Social Security has suspended his

SSDI? (Tip: compare the total financial outcome for each of the Peyton exercises)

Go to Peyton – Part 2 answer key

JohnJohn is 14 years old and has a disability that makes him eligible for SSI. He lives with his mom, Sandy, who works as a bookkeeper. Social Security has deemed $459 per month of Sandy’s income to John. Using the calculation worksheet below, show John how his current SSI benefit is calculated. Then answer the questions below the worksheet.

John Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



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John Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



John Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


John Step 4: SSI Benefit AmountStep Calculations




John Step 5: Financial OutcomeStep Calculations


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1. What is John’s adjusted SSI payment?2. What is John’s total financial outcome?

Go to John answer key

Jimmy – Part 1Jimmy is 24 years old and participating in a vocational training program. Yesterday he accepted a part time job at the local amusement park as a groundskeeper. He will earn $10.50 per hour and work about 10 hours per week. You estimate his average monthly gross wages will be $455 per month, based on 4.33 weeks per month. He is currently receiving $514 per month in SSI. He lives with his parents and does not contribute to the household bills. Show Jimmy an estimate of his SSI benefit and total income with this earning goal using the calculation worksheet below. Then answer the questions below the worksheet.

Jimmy Part 1 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Jimmy Part 1 Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder

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Step CalculationsEarned Income Exclusion (EIE) $65 −

Remainder


Remainder

Divide by 2



Jimmy Part 1 Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


Jimmy Part 1 Step 4: SSI Benefit AmountStep Calculations




Jimmy Part 1 Step 5: Financial OutcomeStep Calculations







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1. What is Jimmy’s adjusted SSI payment?2. What is Jimmy’s total financial outcome?

Go to Jimmy – Part 1 answer key

Jimmy – Part 2Once Jimmy begins working, he plans to move into his own home and pay for all of his living expenses. Show Jimmy an estimate of his SSI benefit and total income when he is earning $455 per month and paying for all his living expenses using the calculation worksheet below. Then answer the questions below the worksheet.

Jimmy Part 2 Step 1: Countable Unearned IncomeStep Calculations

Unearned Income




Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



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PASS Deduction −













1. What is Jimmy’s adjusted SSI payment?2. What is Jimmy’s total financial outcome?

Go to Jimmy - Part 2 answer key

PabloPablo is an SSI recipient who lives with his elderly grandmother. Pablo’s SSI benefit is a significant source of income for the household. Pablo pays his grandmother $500 each month to help cover his food and shelter costs. Social Security calculates Pablo’s pro−rata share of the household expenses at $670 a month. Social Security calculates the In-Kind Support and Maintenance (ISM) Pablo receives from his grandmother using the Presumed Maximum Value (PMV) rule. Since Pablo contributes $500 of his $670 monthly food and shelter costs, Social Security considers the remaining $170 as ISM. Show Pablo how Social Security determines his

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current SSI benefit using the calculation worksheet below. Then answer the questions below the worksheet.

Pablo Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Pablo Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Pablo Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


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Pablo Step 4: SSI Benefit AmountStep Calculations




Pablo Step 5: Financial OutcomeStep Calculations







1. What is Pablo’s adjusted SSI payment?2. What is Pablo’s total financial outcome?

Go to Pablo answer key

PaulaPaula is 17 years of age and is receiving $771 per month of SSI. She is a junior in high school and is participating in a transition program. This month she accepted a part-time job at a local computer technology company. She will earn $8.50 per hour and work 10 hours a week for the next 12 months. You estimate her average monthly gross wages will be $368. Show Paula how Social Security will adjust her SSI benefit and what her total income will be with her new job using the calculation worksheet below. Then answer the questions below the worksheet.

Paula Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



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Paula Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Paula Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


Paula Step 4: SSI Benefit AmountStep Calculations




Paula Step 5: Financial OutcomeStep Calculations


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1. What is Paula’s adjusted SSI payment?2. What is Paula’s total financial outcome?3. What special SSI work incentive do you believe she can use?

Go to Paula Answer Key

LoniLoni is 19 years of age and is taking 10 credits per quarter at a local college. Loni started work in January 2019, earning $1200 per month while going to school. In April 2019, she started earning $1950 per month while going to school. Show Loni how Social Security will adjust her SSI benefit in June 2019 and what her total income will be that month using the calculation worksheet below. Then answer the questions below the worksheet.

Loni Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Loni Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


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Step CalculationsRemainder


Remainder

Divide by 2



Loni Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


Loni Step 4: SSI Benefit AmountStep Calculations




Loni Step 5: Financial OutcomeStep Calculations







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1. What is Loni’s adjusted SSI payment?2. What is Loni’s total financial outcome?

Go to Loni Answer Key

SammieSammie, diagnosed with an Intellectual Developmental Disability, is considering a job at an art museum in the evenings setting up the meeting rooms for special events. He will make $10.00 an hour and work 25 hours a week. You estimate his average gross monthly wages will $1,083 per month, based on 4.33 weeks per month. He uses door-to-door transportation, which will cost an average of $100 per month to get to and from work. He also pays $30 each month for his medications. He pays for all his food and shelter. He is an SSI recipient and is worried he may lose his SSI benefits. Show Samie how Social Security will adjust his SSI benefit and what his total income will be with his new job using the calculation worksheet below. Then answer the questions below the worksheet.

Sammie Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Sammie Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2

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Step CalculationsBlind Work Expenses (BWE) −


Sammie Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


Sammie Step 4: SSI Benefit AmountStep Calculations




Sammie Step 5: Financial OutcomeStep Calculations







1. What is Sammie’s adjusted SSI payment?2. What is Sammie’s total financial outcome?3. What special SSI work incentive did you use?

Go to Sammie Answer Key

DaisyDaisy just started a new job at the local marina in the rental shop (renting paddle boats and kayaks) five days a week. She works 30 hours a week and makes $11.00 an hour. You estimate

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her average monthly gross wages are $1,429, based on 4.33 weeks per month. Daisy uses a guide dog because she experiences full blindness. She pays $150 per month to keep her dog healthy and fed. She also uses door-to-door transportation, which costs $75 per month. Her employer takes $200 per month out of her pay check for taxes and she spends $5 a day ($109 a month) on lunches while she is at work. Daisy is worried that she may lose her SSI and she has come to you for advice. Show Daisy how Social Security will adjust her SSI benefit and what her total income will be with her new job using the calculation worksheet below. Then answer the questions below the worksheet.

Daisy Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Daisy Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Daisy Step 3: Total Countable IncomeStep Calculations


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Step CalculationsTotal Countable Earned Income +

PASS Deduction −


Daisy Step 4: SSI Benefit AmountStep Calculations




Daisy Step 5: Financial OutcomeStep Calculations







1. What is Daisy’s adjusted SSI payment?2. What is Daisy’s total financial outcome?3. What special SSI work incentive do you believe she can use?

Go to Daisy Answer Key

RonRon would like to get a job as a mechanical technician. There is a vocational school near him that offers a 12-month mechanical technician training program, which costs $4,000. The state Vocational Rehabilitation program has a waitlist, so he won’t be able to receive financial help from them for at least a year. The vocational school doesn’t offer financial aid. Ron receives $650 of SSDI and $141 of SSI, which he uses to pay his living expenses. Show Ron what his financial situation would be if he set aside all his countable income each month in a PASS to pay for school using the calculation worksheet below. Then answer the questions below the worksheet.

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Ron Step 1: Countable Unearned IncomeStep Calculations

Unearned Income



Ron Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



Ron Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


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Ron Step 4: SSI Benefit AmountStep Calculations




Ron Step 5: Financial OutcomeStep Calculations







1. What is Ron’s adjusted SSI payment?2. What is Ron’s total financial outcome?3. How many months would Ron need to save his countable income to reach the

goal of $4,000?

Go to Ron Answer Key

T.J. and CoraT.J. and his wife Cora receive SSI. T.J. is currently working at a local coffee shop. He earns $10 per hour and works 20 hours per week. You estimate his average monthly gross wages are $866, based on 4.33 weeks per month. Cora is considering a paraprofessional position at an elementary school. She would earn $8 per hour and would work 15 hours a week. You estimate her average monthly gross wages will be $520, based on 4.33 weeks per month. Show T.J. and Cora what their combined SSI benefit and total income is likely to be when they are both working using the calculation worksheet below. Then answer the questions below the worksheet.

T.J. and Cora Step 1: Countable Unearned IncomeStep Calculations

Unearned Income

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Step Calculations



T.J. and Cora Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income


Remainder


Remainder


Remainder


Remainder

Divide by 2



T.J. and Cora Step 3: Total Countable IncomeStep Calculations



PASS Deduction −


T.J. and Cora Step 4: SSI Benefit AmountStep Calculations



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Step CalculationsAdjusted SSI Payment =

T.J. and Cora Step 5: Financial OutcomeStep Calculations







1. What is T.J. and Cora’s combine adjusted SSI payment?2. What is T.J. and Cora’s total financial outcome? 3. How much SSI will they each individually receive?

Go to T.J. and Cora answer key

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Appendix - Answer Keys

Linda Answer KeyLinda Step 1: Countable Unearned Income

Step Calculations

Unearned Income $0.00

General Income Exclusion (GIE) $20 − $0.00

Countable Unearned Income = $0.00

Linda Step 2: Countable Earned IncomeStep Calculations

Gross Earned Income $1,247.00

Student Earned Income Exclusion (SEIE) − $0.00

Remainder $1,247.00

GIE (if not used above) $20 − $20.00

Remainder $1,227.00

Earned Income Exclusion (EIE) $65 − $65.00

Remainder $1,162.00

Impairment Related Work Expenses (IRWE) − $0.00

Remainder $1,162.00

Divide by 2 ÷ 2 $581.00

Blind Work Expenses (BWE) − $0.00

Total Countable Earned Income = $581.00

Linda Step 3: Total Countable IncomeStep Calculations

Total Countable Unearned Income $0.00

Total Countable Earned Income + $581.00

PASS Deduction − $0.00

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Step CalculationsTotal Countable Income = $581.00

Linda Step 4: SSI Benefit AmountStep Calculations

Base SSI Rate ($771 individual, $514 VTR, $1,157 eligible couple) $771.00

Total Countable Income − $581.00

Adjusted SSI Payment = $190.00

Linda Step 5: Financial OutcomeStep Calculations

Adjusted SSI Payment + $190.00

Gross Earned Income Received $1,247.00

Gross Unearned Income Received + $0.00

PASS, BWE and/or IRWE Expenses − $0.00

Total Financial Outcome = $1,437.00

1. What is Linda’s adjusted SSI payment? $190.002. What is Linda’s total financial outcome? $1,437.00

Go back to Linda problem

Jeremy Answer KeyJeremy Step 1: Countable Unearned Income

Step Calculations



Countable `Unearned Income = $0.00

Jeremy Step 2: Countable Earned IncomeStep Calculations



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Step CalculationsRemainder $1,732.00


Remainder $1,712.00


Remainder $1,647.00


Remainder $1,647.00

Divide by 2 ÷2 $823.50



Jeremy Step 3: Total Countable IncomeStep Calculations




Total Countable Income = $823.50

Jeremy Step 4: SSI Benefit AmountStep Calculations




Jeremy Step 5: Financial OutcomeStep Calculations





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Step CalculationsTotal Financial Outcome = $1,732.00

1. What is Jeremy’s adjusted SSI payment? $0.002. What is Jeremy’s total financial outcome? $1,732.00

Go back to Jeremy problem

Jenna – Part 1 Answer KeyJenna Part 1 Step 1: Countable Unearned Income

Step Calculations





Gross Earned Income $0.00


Remainder $0.00


Remainder $0.00


Remainder $0.00


Remainder $0.00

Divide by 2 ÷2 $0.00





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Step CalculationsTotal Countable Earned Income + $0.00




Base SSI Rate ($771 individual, $514 VTR, $1,157 eligible couple) ` $771.00





Gross Earned Income Received $0.00



Total Financial Outcome = $791.00

1. What is Jenna’s adjusted SSI payment? $391.002. What is Jenna’s total financial outcome? $791.00

Go back to Jenna – Part 1 problem

Jenna – Part 2 Answer KeyJenna Part 2 Step 1: Countable Unearned Income

Step Calculations




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Remainder $953.00


Remainder $953.00


Remainder $888.00


Remainder $888.00

Divide by 2 ÷2 $444.00














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Step CalculationsGross Earned Income Received $953.00




1. What is Jenna’s adjusted SSI payment? $0.002. What is Jenna’s total financial outcome? $1,353.003. Will Jenna have more or less income with this new job after Social Security

reduces her SSI? (Tip: compare the total financial outcome for each of the Jena exercises) Jenna would have more income.

Go back to Jenna – Part 2 problem

William Answer KeyWilliam Step 1: Countable Unearned Income

Step Calculations




William Step 2: Countable Earned IncomeStep Calculations



Remainder $552.08


Remainder $552.08


Remainder $487.08


Remainder $487.08

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Step CalculationsDivide by 2 ÷2 $243.54



William Step 3: Total Countable IncomeStep Calculations





William Step 4: SSI Benefit AmountStep Calculations




William Step 5: Financial OutcomeStep Calculations






1. What is William’s adjusted SSI payment? $02. What is William’s total financial outcome? $1,202.08

Go back to William problem

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Lilly Answer KeyLilly Step 1: Countable Unearned Income

Step Calculations




Lilly Step 2: Countable Earned IncomeStep Calculations



Remainder $1,353.00


Remainder $1,333.00


Remainder $1,268.00


Remainder $1,268.00

Divide by 2 ÷2 $634.00



Lilly Step 3: Total Countable IncomeStep Calculations





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Lilly Step 4: SSI Benefit AmountStep Calculations




Lilly Step 5: Financial OutcomeStep Calculations






1. What is Lilly’s adjusted SSI payment? $1372. What is Lilly’s total financial outcome? $1,490

Go back to Lilly problem

Peyton – Part 1 Answer KeyPeyton Part 1 Step 1: Countable Unearned Income

Step Calculations







Remainder $987.00


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Step CalculationsRemainder $987.00


Remainder $922.00


Remainder $922.00

Divide by 2 ÷2 $461.00


















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1. What is Peyton’s adjusted SSI payment? $02. Will Social Security terminate Peyton’s SSI claim? SSI in non-pay status due to

excess earned income, 1619(b) eligible3. What is Peyton’s total financial outcome? $1,337

Go back to Peyton – Part 1 problem

Peyton – Part 2 Answer KeyPeyton Part 2 Step 1: Countable Unearned Income

Step Calculations







Remainder $1,386.00


Remainder $1,366.00


Remainder $1,301.00


Remainder $1,301.00

Divide by 2 ÷2 $650.50





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1. What is Peyton’s adjusted SSI payment? $120.502. What is Peyton’s total financial outcome? $1,506.503. Will Peyton have more or less income now that Social Security has suspended his

SSDI? (Tip: compare the total financial outcome for each of the Peyton exercises) With the increase in wages and the SSI benefit restarting, Peyton would have more income.

Go back to Peyton – Part 2 problem

John Answer KeyJohn Step 1: Countable Unearned Income

Step Calculations



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Step Calculations


John Step 2: Countable Earned IncomeStep Calculations



Remainder $0.00


Remainder $0.00


Remainder $0.00


Remainder $0.00




John Step 3: Total Countable IncomeStep Calculations





John Step 4: SSI Benefit AmountStep Calculations




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John Step 5: Financial OutcomeStep Calculations






1. What is John’s adjusted SSI payment? $332.002. What is John’s total financial outcome? $791.00

Go back to John problem

Jimmy – Part 1 Answer KeyJimmy Part 1 Step 1: Countable Unearned Income

Step Calculations







Remainder $455.00


Remainder $435.00


Remainder $370.00


Remainder $370.00

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1. What is Jimmy’s adjusted SSI payment? $329.002. What is Jimmy’s total financial outcome? $784.00

Go back to Jimmy – Part 1 problem

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Jimmy – Part 2 Answer KeyJimmy Part 2 Step 1: Countable Unearned Income

Step Calculations







Remainder $455.00


Remainder $435.00


Remainder $370.00


Remainder $370.00

Divide by 2 ÷2 $185.00








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1. What is Jimmy’s adjusted SSI payment? $586.002. What is Jimmy’s total financial outcome? $1,041.00

Go back to Jimmy – Part 2 problem

Pablo Answer KeyPablo Step 1: Countable Unearned Income

Step Calculations




Pablo Step 2: Countable Earned IncomeStep Calculations



Remainder $0.00


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Step CalculationsRemainder $0.00


Remainder $0.00


Remainder $0.00




Pablo Step 3: Total Countable IncomeStep Calculations





Pablo Step 4: SSI Benefit AmountStep Calculations




Pablo Step 5: Financial OutcomeStep Calculations






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1. What is Pablo’s adjusted SSI payment? $621.002. What is Pablo’s total financial outcome? $791.00

Go back to Pablo problem

Paula Answer KeyPaula Step 1: Countable Unearned Income

Step Calculations




Paula Step 2: Countable Earned IncomeStep Calculations



Remainder $0.00


Remainder $0.00


Remainder $0.00


Remainder $0.00




Paula Step 3: Total Countable IncomeStep Calculations




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Step CalculationsTotal Countable Income = $0.00

Paula Step 4: SSI Benefit AmountStep Calculations




Paula Step 5: Financial OutcomeStep Calculations






1. What is Paula’s adjusted SSI payment? $771.002. What is Paula’s total financial outcome? $1,139.003. What special SSI work incentive do you believe she can use? Student Earned

Income Exclusion (SEIE)

Go back to Paula problem

Loni Answer KeyStudent Earned Income Exclusion SEIE

Calculator 2019

Month Gross Wages Monthly SEIE Used

End of Month Annual SEIE Remaining

Start of Year $7,550.00

January $1,200.00 $1,200.00 $6,350.00

February $1,200.00 $1,200.00 $5,150.00

March $1,200.00 $1,200.00 $3,950.00

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April $1,950.00 $1,870.00 $2,080.00

May $1,950.00 $1,870.00 $210.00

June $1,950.00 $210.00 $0.00

July No data $0.00 $0.00

August No data $0.00 $0.00

September No data $0.00 $0.00

October No data $0.00 $0.00

November No data $0.00 $0.00

December No Data $0.00 $0.00

Used Year to Date: $7,550.00

Remaining Balance: $0.00

Loni Step 1: Countable Unearned IncomeStep Calculations




Loni Step 2: Countable Earned IncomeStep Calculations



Remainder $1,740.00


Remainder $1,720.00


Remainder $1,655.00


Remainder $1,655.00

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Loni Step 3: Total Countable IncomeStep Calculations





Loni Step 4: SSI Benefit AmountStep Calculations




Loni Step 5: Financial OutcomeStep Calculations






1. What is Loni’s adjusted SSI payment? $0.002. What is Loni’s total financial outcome? $1,950.00

Go back to Loni problem

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Sammie Answer KeySammie Step 1: Countable Unearned Income

Step Calculations




Sammie Step 2: Countable Earned IncomeStep Calculations



Remainder $1,083.00


Remainder $1,063.00


Remainder $998.00


Remainder $868.00

Divide by 2 ÷2 $434.00



Sammie Step 3: Total Countable IncomeStep Calculations





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Sammie Step 4: SSI Benefit AmountStep Calculations




Sammie Step 5: Financial OutcomeStep Calculations






1. What is Sammie’s adjusted SSI payment? $337.002. What is Sammie’s total financial outcome? $1,290.003. What special SSI work incentive did you use? Impairment Related Work

Expense (IRWE)

Go back to Sammie problem

Daisy Answer KeyDaisy Step 1: Countable Unearned Income

Step Calculations




Daisy Step 2: Countable Earned IncomeStep Calculations



Remainder $1,429.00

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Step CalculationsGIE (if not used above) $20 − $20.00

Remainder $1,409.00


Remainder $1,344.00


Remainder $1,344.00

Divide by 2 ÷2 $672.00



Daisy Step 3: Total Countable IncomeStep Calculations





Daisy Step 4: SSI Benefit AmountStep Calculations




Daisy Step 5: Financial OutcomeStep Calculations






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1. What is Daisy’s adjusted SSI payment? $633.002. What is Daisy’s total financial outcome? $1,528.003. What special SSI work incentive do you believe she can use? Blind Work

Expense (BWE)

Go back to Daisy problem

Ron Answer KeyRon Step 1: Countable Unearned Income

Step Calculations




Ron Step 2: Countable Earned IncomeStep Calculations



Remainder $0.00


Remainder $0.00


Remainder $0.00


Remainder $0.00




Ron Step 3: Total Countable IncomeStep Calculations


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Ron Step 4: SSI Benefit AmountStep Calculations




Ron Step 5: Financial OutcomeStep Calculations






1. What is Ron’s adjusted SSI payment? $771.002. What is Ron’s total financial outcome? $791.003. How many months would Ron need to save his countable income to reach the

goal of $4,000? About 7 months ($4,000 ÷ $630=6.3 months)

Go back to Ron problem

T.J. and Cora Answer KeyT.J. and Cora Step 1: Countable Unearned Income

Step Calculations




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T.J. and Cora Step 2: Countable Earned IncomeStep Calculations



Remainder $1,386.00


Remainder $1,366.00


Remainder $1,301.00


Remainder $1,301.00

Divide by 2 ÷2 $650.50



T.J. and Cora Step 3: Total Countable IncomeStep Calculations





T.J. and Cora Step 4: SSI Benefit AmountStep Calculations

Base SSI Rate ($771 individual, $514 VTR, $1,157 eligible couple) $1,157.00



T.J. and Cora Step 5: Financial OutcomeStep Calculations


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Step CalculationsGross Earned Income Received $1,386.00




1. What is T.J. and Cora’s combine adjusted SSI payment? $506.502. What is T.J. and Cora’s total financial outcome? $1,892.503. How much SSI will they each individually receive? $253.25 ($506.50 ÷ 2)

Go back to T.J. and Cora problem

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