Benefits Counseling Part 2: Independent Living Goals

Recently, we wrote a tip on Benefits Counseling for the Transitioning Student, which explained how students who are Social Security beneficiaries can access benefits counseling through Work Incentives Planning and Assistance (WIPA) or Indiana Vocational Rehabilitation. Currently, students 18 or younger who are receiving benefits are a priority for WIPA. Students over age 18 who are working are also a priority for WIPA and any student beneficiary who is receiving services through Vocational Rehabilitation can receive benefits counseling through the VR process. These services are free.

The benefit to benefits counseling

Fear of losing benefits is one of the primary reasons beneficiaries hesitate to work. However, there are many work incentives built into the Social Security system. A benefits counselor helps the student and their family understand which work incentives apply to their situation. For example, a working transition student may benefit from the Student Earned Income Exclusion (SEIE), which allows them to earn up to $2,290 per month and $9,230 per year in 2024 without affecting their Social Security benefits at all. This allows students to work and keep both benefits and income! The SEIE is just one of many beneficial work incentives.

How can I use this in transition?

Here are some potential independent living goals you could develop with beneficiary transition students who are interested in working. These are just examples; tailor the goals to each student’s particular needs.

  • I will call the Ticket to Work Help Line to request benefits counseling.
  • I will use benefits counseling to understand how working affects my benefits.
  • I will request benefits counseling services as a part of my vocational rehabilitation Plan for Employment.
  • I will use benefits counseling to determine if I qualify for any work incentives.

Knowledge is power, and the knowledge of benefits counseling and work incentives can empower students toward increased financial wellbeing and independence!

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