Benefits Analysis / Work Incentive Counseling

For job seekers with a disability, work incentives and benefits information are essential parts of getting and keeping a job. Understanding the options and possibilities can help them make an informed decision about going to work.

What is Benefits Analysis/Work Incentive Counseling?

Benefits Analysis/Work Incentive Counseling is a process that provides information needed for making informed decisions about work. It helps a job seeker understand how earnings may affect disability payments, healthcare, and other publicly funded benefits.

Why Is benefits counseling needed?

Many people with a disability want to work, earn more money, or start a career. But one of the biggest obstacles is the fear that doing so will lead to a loss of needed medical benefits or even a loss in total income. Many incentives are available that make it possible to earn more while keeping needed benefits. Work incentives benefits counseling can help an individual make important life-changing decisions!

You might need Work Incentives Benefits Counseling when you are…

  • Considering working for the first time
  • Considering increasing earnings (promotion; wage increase; additional hours)
  • Considering re-entering the workforce
  • Developing a career plan or planning for post-secondary schooling
  • Actively job seeking
  • Having problems with current benefits

How does it work?

An IBA Resources Certified Work Incentive Counselor will work closely with job seekers to wade through the complexities to make informed decisions regarding the impact of work on their benefits. An analysis will be provided of a job seekers’ services and benefits and how income from work will change their cash benefit payments, medical coverage, and continued eligibility. Services may include, but are not limited to:

Benefits Consultation

  • Assist job seekers in understanding how improving their financial progress will impact their benefits. This service may serve as the starting point to assist job seekers in understanding the benefits that they receive from the federal and local governments; and how improving their financial progress will impact these benefits.

Work Incentive Benefits Analysis (WIBA)

  • Detailed analysis of (potential) impact of earnings on the full array of the consumer's benefits.
  • A Work Incentive Benefits Analysis is an individualized, comprehensive, “foundational” benefits counseling service provided to Social Security Administration (SSA) benefit recipients and to those who receive non-SSA benefits (e.g. FoodShare, Medicaid, BadgerCare, county and state benefits, etc.).
  • The purpose of the service is to provide a detailed analysis of the (potential) impact of earnings on the full array of public and private benefits, entitlements, and other forms of economic assistance the consumer receives, to support the consumer's ability to make informed decisions about work and earnings toward their goal of becoming self-sufficient.

Work Incentive Plan (WIP)

  • A comprehensive Work Incentive Benefits Plan will outline specific action steps to be taken in order to access work incentives, the responsibilities of the job seeker, resolution of benefits issues, and deadlines for completion of tasks to use work incentives.
  • Includes information and discussion about the Ticket to Work program as well as the process/responsibilities of the job seeker in reporting income to Social Security and other benefit providers.

Ticket To Work (TTW) Benefits Consultation

  • This specialized consultation will discuss the benefits of continuing in the Ticket to Work program by using an Employment Network after DVR file closure if the job seeker's long-term goal is to completely work off benefits.

Plan to Achieve Self-Sufficiency (PASS) Creation

  • The objective of a PASS is to foster economic self-sufficiency among job seekers who are simultaneously receiving monthly SSI or SSDI benefits and pursuing or sustaining employment. PASS requires the beneficiary to pay a portion of the expenses by setting aside monthly benefits or other income to fund the employment-related expense(s). A PASS will outline a specific employment goal and be tailored to the needs of the individual. It includes a projected timeline for completing the goal and the interval steps that will be taken to achieve it.