Sample Benefits Summary and Analysis (BS&A) Reports - SSI - January 2025

Aug 31, 2026

A benefits summary and analysis report for Benjamin Johnson outlines how moving from a sheltered workshop to retail merchandiser work affects Supplemental Security Income (SSI) and associated health coverage. It documents current benefits (SSI, Medicaid, and CAP/D-A supports), then explains how earnings, in-kind support and maintenance, and Impairment Related Work Expenses (IRWE) can reduce SSI deductions while potentially improving cash benefits. It also details Medicaid continuity rules, including 1619(b), and discusses waiver eligibility considerations.

LanguageEnglish

CategoryLetters

FormatDOCX

Pages17

Reading Time6 min

AccessFree to download

Summary of Your Current Situation & Employment Goals

How Work Affects Your Cash Benefits

How Work Affects Your Health Insurance

Home and Community Based Services Waiver

Sample Benefits Summary and Analysis (BS&A) Reports - SSI January 2025 Sample BS&A – SSI Employment Stage Using BSADocs Note: Benjamin has been working at a sheltered workshop but will soon start a new job at a retail store. He receives In Kind Support and Maintenance using the VTR rule because he lives at home with his parents and does not pay for rent or groceries. BSA Docs and the template from the state of North Carolina originally created this BS&A report. Therefore, it includes some state-specific details, which could be different depending on where Benjamin lives. Benefits Summary & Analysis Name: Benjamin Johnson Date: January 4, 2025 It was a pleasure speaking with you about your work goals. This report will show how you can work and get ahead. Summary of Your Current Situation & Employment Goals Current Situation: I verified with Social Security and the local Department of Social Services (DSS) that you are receiving the following benefits: Supplemental Security Income (SSI) - net $587.17/month Medicaid (based on SSI eligibility) Community Alternatives Program for Disabled Adults (CAP D/A) – Medicaid program that provides community living supports Additional Details: Your SSI is less than the maximum amount ($967.00) because of earnings posted on your SSI record ($200.00) and the In-Kind Support and Maintenance you receive ($322.33). Employment Details: You are working as a merchandiser at Independent Industries and are earning about $200.00/month. You have been doing this work since October 2021. Your goal is to get a different job working as a merchandiser at a local retail store, earning $1,325.00/month. How Work Affects Your Cash Benefits Supplemental Security Income (SSI): SSI is a cash benefit for people with disabilities who have low income and resources. The amount you receive is reduced if you have other income. Many people think they’ll have less money if they work, but that’s a myth. Social Security doesn’t count all of your income when calculating your SSI amount. They deduct $20 from your unearned income; if you don’t have unearned income, they deduct it from your gross earnings. Then they deduct $65 of your gross earnings and divide the remainder of those earnings in half. The amount of income left after these deductions is called total countable income. Social Security subtracts your total countable income from your base SSI rate; the remainder is your new SSI amount. Because of these deductions you have more money when working. The following is an additional deduction that appears to fit your situation. I can assist you in requesting this work incentive. Impairment Related Work Expenses (IRWE): When Social Security calculates the SSI amount, they may deduct the cost of items or services that you pay for, are not reimbursed, are related to an impairment being treated by a healthcare provider, and enable you to work. Social Security deducts the IRWEs from your gross wages before dividing your wages in half. The IRWE deduction lets you keep more of your SSI when working. You indicated you have the following expenses that could be IRWEs: specialized transportation ($150/month). When you report earnings to Social Security, ask them to apply the IRWE deduction and provide receipts. They may ask you for proof that the expenses are related to a medical condition. If your earnings reduce the SSI to $0 you can keep your SSI claim open by using a work incentive called 1619(b). With 1619(b) you contact Social Security when your income is low enough to receive SSI again and they will restart your benefit; you don’t have to reapply. Below I will explain how you can also keep Medicaid through 1619(b) and provide more details about the eligibility criteria. Specific to You: Earning $1,325.00/month: Based on the information above, I estimate your SSI will be $99.67/month with approved IRWEs ($150.00/month) or $24.67/month without IRWEs. If approved, IRWEs could offset your cost for these expe

FAQs

What current benefits does Benjamin Johnson receive?

He receives Supplemental Security Income (SSI), Medicaid based on SSI eligibility, and Community Alternatives Program for Disabled Adults (CAP D/A) community living supports.

How will working as a merchandiser affect Benjamin’s SSI amount?

SSI is reduced based on income. The report estimates his SSI would be $99.67/month with approved IRWEs ($150/month) or $24.67/month without IRWEs when earning $1,325/month.

How can Benjamin keep Medicaid if his SSI drops to $0?

The report explains that 1619(b) may allow Medicaid continuation when he becomes ineligible for SSI due to earnings, while meeting disability and resource requirements and staying under an annual earnings limit.

Aug 31, 2026

Upload by River Wang