<html><head><meta http-equiv="content-type" content="text/html; charset=utf-8"></head><body dir="auto"><div dir="ltr"></div><div dir="ltr">I understand Melissa’s and Roger‘s perspective. I must remember that not all employers will provide health insurance, and some working blind people may be working in jobs that they haven’t gone to college for. I got lucky to have a supportive family who supported by independence Through college. I realize some people may have barriers to college. I suppose I can see where some people would want to not lose their SSDI benefits. I just hadn’t been exposed to this perspective before. </div><div dir="ltr"><br><blockquote type="cite">On Jan 9, 2023, at 9:09 PM, Roger Crome via NFBMO <nfbmo@nfbnet.org> wrote:<br><br></blockquote></div><blockquote type="cite"><div dir="ltr">
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Hi Michael,
<div>Let’s look at it from a numbers perspective. Imagine that John’s SSDI is $2200 monthly. And his monthly earnings consistently have run just shy of SGA for the last 10 years or so. In 2023 his salary reaches $2300 monthly. This puts his income at $4500
monthly. We all get used to living close to our means. John receives a promotion with a $200 raise attached. If he accepts, his earnings are over SGA and he will lose his SSDI. Great, he has achieved self sufficiency. But, now, he has only $2500 per month
before taxes, and his bills remain based on $4500 per month. </div>
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<div>If you have a family that depends on your financial contribution, then it’s about weighing pros and cons.</div>
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<div>Roger<br>
<br>
<div dir="ltr">Sent from my iPhone</div>
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<blockquote type="cite">On Jan 9, 2023, at 6:53 PM, Melissa Kane via NFBMO <nfbmo@nfbnet.org> wrote:<br>
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<blockquote type="cite">
<div dir="ltr"> For many people, that I know of any ways, it is more about the medical insurance than it is about the cash benefit. Which, I can understand. Healthcare is very expensive.<br>
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<div dir="ltr">Melissa Kane
<div>First Vice President National Federation of the Blind of Missouri</div>
<div> </div>
<div>Sent from my iPhone</div>
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<blockquote type="cite">On Jan 9, 2023, at 5:30 PM, Michael Walker via NFBMO <nfbmo@nfbnet.org> wrote:<br>
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<div dir="ltr">It’s interesting, that blind people would want to limit their work hours to stay on Social Security. If I made enough money, where I could be independent, I’d rather get off Social Security altogether.</div>
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<blockquote type="cite">On Jan 9, 2023, at 4:30 PM, Dennis Miller via NFBMO <nfbmo@nfbnet.org> wrote:<br>
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<p class="MsoNormal"><b>Blind Americans Return to Work Act <o:p></o:p></b></p>
<p class="MsoNormal"><b><i>Issue—Current Social Security law contains a policy that has the unintended consequence of discouraging blind Americans from maximizing their earnings potential.
<o:p></o:p></i></b></p>
<p class="MsoNormal"><b><o:p> </o:p></b></p>
<p class="MsoNormal"><b>The Social Security Disability Insurance (SSDI) program has a built in “earnings cliff”.
</b>Title II of the Social Security Act provides that disability benefits paid to blind beneficiaries are eliminated if the beneficiary exceeds a monthly earnings limit.<a style="mso-endnote-id:edn1" href="#_edn1" name="_ednref1" title=""><sup><sup><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-language:EN-US">[1]</span></sup></sup></a>
This earnings limit, often called the “earnings cliff,” is in effect a penalty imposed on blind Americans when they work. For example, the earnings limit in 2023 for a blind person is $2,460 per month. If a blind individual earns more than that threshold,
even by just one dollar, they are engaged in substantial gainful activity (SGA). Under the current law, any individual engaged in SGA is not entitled to any SSDI benefits. This means that if a blind person earns just one dollar over the earnings limit, all
benefits are lost. <o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><a name="_Hlk61018851"><b>The earnings cliff has the unintended consequence of creating an incentive for blind people to remain unemployed or underemployed, despite their desire to work.
</b></a>In a 2018 survey, National Industries for the Blind (NIB) found that 21 percent of respondents from thirty-four of their non-profit associations had turned down a raise or promotion to retain their SSDI benefits.<a style="mso-endnote-id:edn2" href="#_edn2" name="_ednref2" title=""><sup><sup><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-language:EN-US">[2]</span></sup></sup></a>
The survey also found that 37 percent of respondents had turned down additional hours or even asked to reduce their hours in order to retain their SSDI benefits.<a style="mso-endnote-id:edn3" href="#_edn3" name="_ednref3" title=""><sup><sup><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-language:EN-US">[3]</span></sup></sup></a>
Blind Americans who are willing and capable to work are intentionally limiting themselves in order to keep from suddenly losing all of their SSDI benefits.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b>The current work incentive in the form of the trial work period is needlessly complicated and counterintuitive.
</b>Under the current SSDI program, if a blind worker wants to try and earn more money they will likely trigger a nine-month trial work period. These nine months do not have to be consecutive, but instead are any nine months during a rolling sixty month period
in which the worker earned more than a certain amount (for 2023 this amount is $1,050 per month). When all of those nine months are exhausted, the worker is once again subject to the earnings cliff if they cross the SGA threshold. This is supposed to act as
an incentive for blind recipients to determine if they are ready to work, but the complexity of the rules makes it easier to just ignore the process altogether. Additionally, 80 percent of respondents to NIB’s 2018 survey said they did not have access to coaching
or guidance on federal benefits.<a style="mso-endnote-id:edn4" href="#_edn4" name="_ednref4" title=""><sup><sup><span style="font-size:11.0pt;font-family:"Calibri",sans-serif;mso-fareast-language:EN-US">[4]</span></sup></sup></a><o:p></o:p></p>
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<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b><i>Solution—Blind Americans Return to Work Act will:<o:p></o:p></i></b></p>
<p class="MsoNormal"><b><i><o:p> </o:p></i></b></p>
<p class="MsoNormal"><b>Eliminate the earnings cliff by instituting a two-for-one phase-out of earnings over the SGA limit.
</b>For every two dollars a blind worker earns above the SGA threshold, their benefits amount will be reduced by one dollar.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b>Create a true work incentive for SSDI recipients.</b> With a phase-out model, blind workers will always be better off striving to earn as much as possible, which will facilitate the transition of those workers from the SSDI system as
benefits are gradually reduced. With this model, blind Americans will never lose by working. As an added benefit, fewer workers earning SSDI benefits and instead paying into the Social Security Trust Fund means a more balanced Trust Fund in time.
<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b>Simplify the SSDI system by eliminating the trial work period and grace period, making the rules more compatible with the Supplemental Security Income (SSI) program.</b> Under the proposed system, the SSDI program will become less complicated.
With both programs using similar rules, there will be less confusion, and the incentive for blind people to return to work will be consistent and clear.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><b>GOAL—ELIMINATE THE SSDI EARNINGS CLIFF AND CREATE A TRUE WORK INCENTIVE FOR BLIND AMERICANS.<o:p></o:p></b></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal"><i><o:p> </o:p></i></p>
<p class="MsoNormal"><b>Sponsor the Blind Americans Return to Work Act.<o:p></o:p></b></p>
<p class="MsoNormal"><b><o:p> </o:p></b></p>
<p class="MsoNormal"><b><o:p> </o:p></b></p>
<p class="MsoNormal"><b>For more information, contact:<o:p></o:p></b></p>
<p class="MsoNormal">Justin Young, Government Affairs Specialist, National Federation of the Blind<o:p></o:p></p>
<p class="MsoNormal">Phone: 410-659-9314, extension 2210, Email: <a href="mailto:jyoung@nfb.org">
jyoung@nfb.org</a> or visit <a href="https://na01.safelinks.protection.outlook.com/?url=http%3A%2F%2Fwww.nfb.org%2F&data=05%7C01%7C%7Cc5f020feeeb84e96bd5f08daf2a51775%7C84df9e7fe9f640afb435aaaaaaaaaaaa%7C1%7C0%7C638089088120651619%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C3000%7C%7C%7C&sdata=1ruPMYe%2FW7rq0FLltdLmtuBf3SPBtMcpdQuy64BRxls%3D&reserved=0" originalsrc="http://www.nfb.org/" shash="g8+wQ2H0p8iNNYFTPjLuM0vO+5DsuL1Loi6ewH0uCPFftxS7eQCkG+eMTftiFULGybwpmDHQr6SXnb6o6fuDi12t24xj9fClRWwT1zeL5fdpW9mW3eqp1AL2YmGuUMWRcKqw19osA58FEpNQsHdgd1DgGBy1WF5LznGq4zzmOpU=">
www.nfb.org</a><o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
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<p class="MsoEndnoteText"><a style="mso-endnote-id:edn1" href="#_ednref1" name="_edn1" title=""><span class="MsoEndnoteReference"><span class="MsoEndnoteReference"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-language:EN-US">[1]</span></span></span></a>
42 U.S.C. Sec. 423.<o:p></o:p></p>
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<div style="mso-element:endnote" id="edn2">
<p class="MsoEndnoteText"><a style="mso-endnote-id:edn2" href="#_ednref2" name="_edn2" title=""><span class="MsoEndnoteReference"><span class="MsoEndnoteReference"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-language:EN-US">[2]</span></span></span></a>
<i>Commitment to Serve</i>, A presentation given at the 2018 NIB/NAEPB Training Conference and Expo.<o:p></o:p></p>
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<div style="mso-element:endnote" id="edn3">
<p class="MsoEndnoteText"><a style="mso-endnote-id:edn3" href="#_ednref3" name="_edn3" title=""><span class="MsoEndnoteReference"><span class="MsoEndnoteReference"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-language:EN-US">[3]</span></span></span></a>
Ibid.<o:p></o:p></p>
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<div style="mso-element:endnote" id="edn4">
<p class="MsoEndnoteText"><a style="mso-endnote-id:edn4" href="#_ednref4" name="_edn4" title=""><span class="MsoEndnoteReference"><span class="MsoEndnoteReference"><span style="font-size:10.0pt;font-family:"Arial",sans-serif;mso-fareast-language:EN-US">[4]</span></span></span></a>
Ibid.<o:p></o:p></p>
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