Employment and Benefit Terms Glossary (New)
Welcome to the Employment and Benefits Terms Glossary!
This glossary is here to help you understand words about work, money, and benefits. We use simple definitions from trusted places like the Social Security Administration (SSA), their Red Book, the Internal Revenue Service (IRS), Hawaii State Department of Health, Society for Human Resource Management (SHRM), the Cambridge Dictionary, and other credible sources.
If you want to learn more, you can visit their websites:
Social Security Administration: ssa.gov
Department of Labor: https://www.dol.gov/
- Department of Commerce: https://www.commerce.gov
Internal Revenue Service: irs.gov
- Hawaii State Department of Health: https://health.hawaii.gov
- Society for Human Resource Management (SHRM): https://www.shrm.org/home
Cambridge Dictionary: dictionary.cambridge.org
Let’s get started!
0-9
401k
Plain Language Description
A retirement savings plan is one in which you can save money from your paycheck before taxes are taken out, and sometimes your employer adds money, too.
Full Description
A 401(k) is a tax-advantaged retirement savings plan. Named after a section of the U.S. Internal Revenue Code, the 401(k) is an employer-provided, defined-contribution plan. The employer may match employee contributions; with some plans, the match is mandatory.
Source: 401(k) plan overview | IRS
A
ABLE Account
Plain Language Description
ABLE stands for Achieving a Better Life Experience. Money from these ABLE accounts can help people with disabilities pay for things they need. If the money is used for disability-related expenses, it won’t be taxed.
Full Description
The Achieving a Better Life Experience (ABLE) Act of 2014 allows states to create tax-advantaged savings programs for eligible people with disabilities (designated beneficiaries). Funds from these 529A ABLE accounts can help designated beneficiaries pay for qualified disability expenses. Distributions are tax-free if used for qualified disability expenses.
Source: ABLE accounts – Tax benefit for people with disabilities | IRS
Americans with Disabilities Act (ADA)
Plain Language Description
The Americans with Disabilities Act (ADA) is a law made in 1990. It says people with disabilities must be treated fairly at work. It also says bosses must help by making changes so people with disabilities can do their jobs.
Full Description
The Americans with Disabilities Act of 1990 (ADA) prohibits discrimination against people with disabilities in employment and requires employers to make reasonable accommodations for them to do their jobs.
Source: ABLE accounts – Tax benefit for people with disabilities | IRS
Apprenticeship
Plain Language Description
An apprenticeship is a program where you learn a trade or skill by working with an expert.
Full Description
Apprenticeship is a form of job training that involves following and learning from a master of the trade on the job, rather than in a classroom setting.
Source: Apprenticeship | U.S. Department of Labor
Area Work Incentive Coordinator (AWIC)
Plain Language Description
An AWIC is a person who knows a lot about helping people with jobs. They:
- Teach people in the community about ways to work and still get some benefits.
- Help train workers at our local offices about programs that support people who want to work.
Full Description
An AWIC is an experienced employment support expert who:
• Coordinates and conducts public outreach on work incentives in their local area.
• Provides, coordinates, and oversees training on our employment support programs for all personnel at our local offices.
Source: Red Book
Artificial Intelligence (AI)
Plain Language Description
Artificial intelligence, or AI, is when computers are used to do things that people usually have to do with their brains. It helps computers think, learn, and solve problems like a person would.
Full Description
Artificial intelligence (AI) is the use of computers and software to perform tasks that typically required human intelligence to complete.
Source: HR Glossary (A) | SHRM
B
Benefit Planning Query (BPQY)
Plain Language Description
Benefit Planning Query (BPQY)
A BPQY is a report that helps people with disabilities make plans to work.
It shows important facts like:
- Your monthly disability money
- Your health insurance
If your case will be checked again soon - If someone helps you manage your money
- Your work history
This report helps you and others make a good plan for working.
Full Description
The BPQY is an important planning tool for disability beneficiaries and any person developing customized services for a disability beneficiary who wants to start working or remain on the job. The BPQY provides current information about your disability cash benefits, health insurance, scheduled continuing disability reviews, representative payee, and work history, as stored in our electronic records.
Source: Red Book
Blind Work Expenses (BWE)
Plain Language Description
Blind Work Expenses lets blind people subtract certain costs from their income. These costs must be fair and usual for the services or supplies needed, and they shouldn’t be paid back by someone else. If you are blind, Social Security does not count money you spend to earn your income when they decide if you can get SSI or how much you get.
This includes things like:
- Taxes taken from your paycheck
- Money you spend on meals while at work
Full Description
Blind Work Expenses (BWEs) allow blind individuals to exclude reasonable, unreimbursed expenses from earned income. A reasonable expense is the amount customarily charged for covered or similar services and supplies. If you are blind, Social Security do not count any earned income that you use to meet expenses in earning that income when they decide your SSI eligibility and
payment amount. Common examples of BWE include state and federal
payroll taxes, and money spent for meals at work.
Source: Red Book
Break-Even Point
Plain Language Description
This is the amount of money you can earn before your SSI check stops.
It depends on:
- The money you earn from work.
- Other money you get (like gifts or help).
- Where you live.
- Special rules that take away some of your income when we count it.
- Extra money your state might give you.
Everyone’s break-even point is different.
Full Description
The dollar amount of total income (after the SSA applies all applicable deductions) that will reduce the SSI payment to zero for a particular case. Your
break-even point depends on your earned and unearned income, living arrangements, applicable income exclusions, and state supplement, if any.
Source: Red Book
Buddy System
Plain Language Description
A buddy system means a new worker gets a “buddy” at their new job. This buddy is someone who already works there. The buddy helps the new person learn what to do, meet other workers, and answers any questions.
Full Description
A buddy system is a form of employee orientation whereby newly hired employees are assigned to another employee who shows the new employee the ropes, introduces him or her to co-workers, gives personal assistance, and answers questions on an as-needed basis.
Source: HR Glossary (B) | SHRM
C
Career Path
Plain Language Description
A career path is the series of jobs you take to reach your career goals.
Full Description
A career path is a list of steps to take in your professional life for progressing into different or more advanced roles at work. Think as climbing up a ladder of success!
Source: Career Paths and Training – OPM.gov
Childhood Disability Benefits (CDB)
Plain Language Description
A person who has a disability that started before they turned 22 might be able to get money each month. This can happen if their parent has died or if their parent is getting retirement or disability money.
The person with the disability must be 18 or older and not married. This can include adopted children, stepchildren, grandchildren, or step-grandchildren.
These benefits are sometimes called Disabled Adult Child benefits or DAC benefits.
Full Description
A person with a qualifying disability before age 22 may be eligible for their childhood benefits if a parent is deceased or starts receiving retirement or disability benefits.
The adult child — including an adopted child, or, in some cases, a stepchild, grandchild, or step-grandchild — must be unmarried, age 18 or older, and have a disability that started before age 22. Also referred to as “Disabled Adult Child (DAC) benefits .”
Source: Red Book
Centers of Independent Living (CILs)
Plain Language Description
Centers for Independent Living, or CILs, are places run by people with disabilities to help other people with disabilities. They give support to help people live on their own and be part of their community.
CILs believe everyone should be treated with respect, make their own choices, and have the chance to live a full life. They help people with disabilities get tools, resources, and support so they can be more independent and have the same chances as everyone else.
Full Description
Designed and operated by individuals with disabilities, Centers for Independent Living (CILs) provide independent living services for people with disabilities. CILs are at the core of Administration for Community Living’s (ACL) independent living programs, which work to support community living and independence for people with disabilities across the nation based on the belief that all people can live with dignity, make their own choices, and participate fully in society. These programs provide tools, resources, and supports for integrating people with disabilities fully into their communities to promote equal opportunities, self-determination, and respect.
Source: Centers for Independent Living | ACL Administration for Community Living
Consolidated Omnibus Budget Reconciliation Act (COBRA)
Plain Language Description
A program that lets you keep your health insurance for a while after you leave your job, but you have to pay the full cost.
Full Description
The Consolidated Omnibus Budget Reconciliation Act (COBRA) gives workers and their families who lose their health benefits the right to choose to continue group health benefits provided by their group health plan for limited periods of time under certain circumstances such as voluntary or involuntary job loss, reduction in the hours worked, transition between jobs, death, divorce, and other life events.
Source: Continuation of Health Coverage (COBRA) | U.S. Department of Labor
Commission
Plain Language Description
Extra money earned based on sales or performance, often used in sales jobs.
Full Description
A sales commission is a sum of money paid to an employee upon completion of a task, usually selling a certain amount of goods or services.
Source: Commissions | U.S. Department of Labor
Commuter Benefits
Plain Language Description
Help from your employer to pay for travel costs to and from work, like bus passes or parking fees.
Full Description
An employer in the United States may provide transportation benefits to their employees that are tax free up to a certain limit. Under the U.S. Internal Revenue Code section 132(a), the qualified transportation benefits are one of the eight types of statutory employee benefits (also known as fringe benefits) that are excluded from gross income in calculating federal income tax. The qualified transportation benefits are transit passes, vanpooling and parking associated with these things.
Source: Employer’s Tax Guide to Fringe Benefits 2025
Company Car
Plain Language Description
A car that is owned by a company and is used by an employee for their work or sometimes personal use.
Full Description
In some instances, your employer might provide a vehicle for work-related and sometimes personal use.
Source: Company Car | Definition
Compensation
Plain Language Description
Compensation is the money and benefits you receive for your work.
Full Description
Compensation is the money and benefits you receive for your work.
Source: Definition of Compensation
Continuation of Medicare Coverage
Plain Language Description
If your disability checks stop because you are working, you can still get Medicare.
You can keep your Medicare for at least 93 months (that’s almost 8 years) after your trial work period ends.
This means you can keep your health insurance even if your checks stop.
Full Description
If your benefits stop because you are working, you can receive at least 93 consecutive months of Medicare coverage after your trial work period (TWP). This provision allows your health insurance to continue even after your benefits have stopped.
Source: Red Book
Continuing Disability Review (CDR)
Plain Language Description
A Continuing Disability Review (CDR) is when Social Security checks to see if you still have a disability.
Social Security looks at your health regularly to decide if you should keep getting SSDI or SSI benefits.
Full Description
Social Security periodically reviews your medical impairment(s) to determine if you continue to have a disabling condition. If we determine that you are no longer disabled or blind, your benefits will stop.
We call this review a Continuing Disability Review (CDR). The law requires us to perform a medical CDR at least once every three years, however, if you have a medical condition that is not expected to improve, we will still review your case, once every five to seven years.
Source: Continuing Disability Reviews | Supplemental Security Income (SSI) | SSA
Co-Payment (Co-Pay)
Plain Language Description
A small amount of money you pay when you visit the doctor or get a prescription, with the rest being covered by your insurance.
Full Description
A fixed amount ($20, for example) you pay for a covered health care service after your monthly insurance bill
Source: Copayment – Glossary | HealthCare.gov
Cost-Of-Living Allowance
Plain Language Description
Extra money a worker gets because things like food, housing, and gas cost more where they live. It’s added to their regular paycheck to help them pay for these things.
Full Description
An amount of money that an employee gets in addition to his or her normal pay, because the cost of living in a particular area is high
Source: Cost-Of-Living Allowance Definition
Countable Income
Plain Language Description
This is the money Social Security looks at after taking away some deductions.
They use this amount to decide:
- If you can get SSI
- How much SSI money can you get
Full Description
The amount of money left after SSA has subtracted all available deductions from your total income. SSA uses this amount to decide your SSI eligibility and payment amounts.
Source: Red Book
Countable Income Test
Plain Language Description
This is one way Social Security may check your income if you work for yourself and have been getting SSDI for 24 months.
Full Description
One of the tests SSA may use to evaluate self-employment income is whether you have received SSDI benefits for 24 months.
Source: Red Book
D
Deductible
Plain Language Description
The amount you pay for covered health care services before your insurance plan starts to pay. With a $2,000 deductible, for example, you pay the first $2,000 of covered services yourself.
Full Description
The amount of money you have to pay out-of-pocket for health care before your insurance starts to help pay.
Source: Deductible – Glossary | HealthCare.gov
Dental Insurance
Plain Language Description
A plan that helps pay for visits to the dentist, including cleanings, fillings, and other dental care.
Full Description
A plan that helps pay for visits to the dentist, including cleanings, fillings, and other dental care.
Source: Dental Coverage – Glossary | HealthCare.gov
Dependent
Plain Language Description
A family member, like your child, husband, or wife, who needs your help with money. They can be added to your health insurance plan.
Full Description
A family member, like a child or spouse, who relies on you for financial support and can be included in your health insurance plan.
Source: Dependents | Internal Revenue Service
Developmental Disabilities Division (DDD)
Plain Language Description
The Developmental Disabilities Division (DDD) runs a program called the Medicaid Home and Community-Based Services (HCBS) Waiver. This program helps people with intellectual and developmental disabilities get care in their homes and communities.
Full Description
The Developmental Disabilities Division (DDD) is the operating agency for the Medicaid 1915(c) Home and Community Based Services (HCBS) Waiver for Individuals with Intellectual and Developmental Disabilities.
Source: Developmental Disabilities Division (DDD)
Developmental Disabilities Endowment Trust Fund (DDETF Account)
Plain Language Description
Developmental Disabilities Endowment Trust Fund. It is a way for people with developmental disabilities and their families to save money without losing their state or federal benefits.
Full Description
Developmental Disabilities Endowment Trust Fund accounts are a way for people with developmental disabilities and their families to save money without jeopardizing state or federal benefits.
Source: Developmental Disabilities Endowment Trust Fund (DDETF) – BenefitU
Direct Deposit
Plain Language Description
Direct deposit is when your paycheck is sent directly to your bank account.
Full Description
Direct deposit is when your paycheck is sent directly to your bank account.
Source: Direct Deposit (Electronic Funds Transfer) – General FAQ
Disability Insurance
Plain Language Description
A plan that gives you money if you can’t work due to a disability.
Full Description
As its name suggests, disability insurance is a type of insurance product that provides income in the event that a policyholder is prevented from working and earning an income due to a disability. This is an agreement between an employer and an employee to provide financial support during a period of disability.
Source: Disability Insurance | U.S. Department of Labor
Division of Vocational Rehabilitation (DVR)
Plain Language Description
The Division of Vocational Rehabilitation (DVR) here in Hawaii helps people with disabilities find and keep jobs. DVR works with people, disability groups, employers, and community partners to provide services that support job success and fairness for everyone. They help people with disabilities who are 14 years old and up to get ready for work, find a job, or improve at their current job. Their trained counselors work closely with each person to help them reach their job goals based on what they need and want.
Full Description
The Division of Vocational Rehabilitation (DVR) here in Hawaii works in partnership with consumers, consumer organizations led by persons with disabilities, employers, our State Rehabilitation Council, and other community partners to provide services and advocacy resulting in employment, empowerment, and equality for individuals with disabilities throughout the State of Hawaii. Vocational rehabilitation services are designed to help individuals with disabilities aged 14 and above to prepare for, obtain, maintain, or advance in competitive employment in integrated work settings. Their specially trained counselors work in partnership with our consumers in order to help them reach their career goals according to their abilities, capabilities, priorities, preferences, and informed choice.
E
Earned Income Tax Credit (EITC)
Plain Language Description
The Earned Income Tax Credit (EITC) is money from the government to help people who work but don’t make a lot of money. It helps workers by giving them extra money.
Full Description
The Earned Income Tax Credit (EITC) is a federal tax credit for working people with low and moderate incomes. If you qualify, you can use the credit to reduce the taxes you owe – and maybe increase your refund.
Source: Earned Income Tax Credit (EITC) | Internal Revenue Service
Educational Assistance Benefits
Plain Language Description
These are tax-free payments your employer can give you to help with education costs. That means you don’t pay income tax on them. This program is in place before January 1, 2026 (unless extended by lawmakers).
What Is Covered
Employers can cover tuition and fees, books, supplies, and equipment as long as you don’t keep them after the course ends. This can apply to both undergraduate and graduate courses, and the courses don’t have to relate to your current job.
Employers can also pay off your student loans as long as the loans were for your own education, not for your spouse or dependents. These payments must be made between March 27, 2020, and December 31, 2025. The payment can go directly to the loan company or to you. It doesn’t matter when you first got the loan.
What Is Not Covered
Meals, lodging, or transportation are not included. Neither are tools or supplies that you get to keep, such as a personal laptop. Sports, games, or hobby classes are also not included unless they are part of a degree program or related to your job.
Other Important Information
Your employer doesn’t have to offer all these types of educational help. They can choose what kinds of support they want to provide under their plan. This is just what’s true right now. Talk to a local employment specialist to get the newest information.
Full Description
Tax-free educational assistance benefits under a section 127 educational assistance program include payments for tuition, fees and similar expenses, books, supplies and equipment. The payments may be for either undergraduate- or graduate-level courses. The payments do not have to be for work-related courses. This program is in place before January 1, 2026 (unless extended by congress).
Tax-free educational assistance benefits also include principal or interest payments on qualified education loans (as defined in section 221(d)(1) of the Code). Section 127 requires that such loans be incurred by the employee for the education of the employee and not for the education of a family member such as a spouse or dependent. These payments must be made by the employer after March 27, 2020, and before January 1, 2026 (unless extended by future legislation). The payments of any qualified education loan can be made directly to a third party such as an educational provider or loan servicer or directly to the employee, and it does not matter when the qualified education loan was incurred. A qualified education loan is generally the same as a qualified student loan. See Qualified Student Loan in Chapter 4 of Publication 970, Tax Benefits for Education.
Educational assistance benefits do not include payments for the following items:
- Meals, lodging or transportation.
Tools or supplies (other than textbooks) that you can keep after completing the course of instruction (for example, educational assistance does not include payments for a computer or laptop that you keep). - Courses involving sports, games or hobbies unless they:
- Have a reasonable relationship to the business of your employer, OR……..
- Are required as part of a degree program.
An employer may choose to provide some or all of the educational assistance described above. The terms of the plan may limit the types of assistance provided to employees.
- Have a reasonable relationship to the business of your employer, OR……..
- Meals, lodging or transportation.
This term is just a snapshot in time. Be sure to check with a local employment specialist for the latest information.
Source: FAQ About Educational Assistance Programs | Internal Revenue Service
Educational Assistance Programs
Plain Language Description
An educational assistance program is a special plan made by a workplace to help workers pay for school or training. This program is in place before January 1, 2026 (unless extended by lawmakers).
The plan must be written down and follow certain rules. Your boss or manager can tell you if your job has one of these plans.
The plan can include things like:
- Who can get help,
- When the help starts
- How much help part-time workers can get.
- But, PLEASE NOTE: the plan has to be fair. It can’t give better help only to bosses or people who make a lot of money.
This is just what’s true right now. Talk to a local employment specialist to get the newest information.
Full Description
An educational assistance program is a separate written plan of an employer for the exclusive benefit of its employees to provide employees with educational assistance. This program is in place before January 1, 2026 (unless extended by Congress).
To qualify as a section 127 educational assistance program, the plan must be written, and it must meet certain other requirements. Your employer can tell you whether there is a section 127 educational assistance program where you work.
A sample plan for employers PDF is available. An employer may tailor its plan to include, for example, conditions for eligibility, when an employee’s participation in the plan begins and prorated benefits for part-time employees. However, a program cannot discriminate in favor of officers, shareholders, self-employed or highly compensated employees in requirements relating to eligibility for benefits.
This term is just a snapshot in time. Be sure to check with a local employment specialist for the latest information.
Source: FAQ About Educational Assistance Programs | Internal Revenue Service
Employee Assistance Program (EAP)
Plain Language Description
A service that helps employees with personal problems that might affect their work, like stress, family issues, or legal advice.
Full Description
A voluntary, work-based program that offers free and confidential assessments, short-term counseling, referrals, and follow-up services to employees who have personal and/or work-related problems.
Source: What is an Employee Assistance Program (EAP)? – OPM.gov
Employee Discount
Plain Language Description
Reduced prices on products or services sold by your employer, available to employees.
Full Description
Reduced prices on products or services sold by your employer, available to employees.
Source: Definition: Employee Discount
Employment Agency
Plain Language Description
A company that helps people find jobs.
Full Description
Any person regularly undertaking, with or without compensation, to procure employees for an employer or to procure for employees opportunities to work for an employer, and includes an agent of such a person.
Source: Definition: Employment Agency
Employment Benefits
Plain Language Description
Extra perks from a job, like health insurance or paid vacation.
Full Description
Any forms of perks that are provided to employees along with their usual salaries and wages
Source: Definition: Employment Benefits
Employment Network (EN)
Plain Language Description
An EN is a group that helps people with disabilities find and keep a job.
They work with the Ticket to Work program and can help with:
- Job training
- Job coaching
- Other support to help you work
Full Description
An EN is a qualified public or private organization under contract with Social Security to coordinate and deliver employment services, vocational rehabilitation services, or other support services to beneficiaries who are participating in the Ticket to Work program.
Source: Red Book
Employment Supports
Plain Language Description
These help you find a job, start a business, or get the help you need to keep your job.
Full Description
These supports assist you in finding a job, starting a business, or obtaining other support services you need to get or keep a job.
Source: Red Book
Entrepreneurship/Entrepreneur
Plain Language Description
Entrepreneurship means starting a new business. A person who does this is called an entrepreneur. They have a new idea or a better way to do something. They work hard to make their idea real, even if it’s risky or costs money. Starting a business is just the first step; it’s part of growing a company.
Full Description
The process of starting and developing a company, with the aim of delivering something new or improved to the market, or by organizing the means of production in a superior way. This process is principally organized through the formation of a start-up company, is managed by entrepreneurs, often under considerable personal and financial risk, and is temporary in duration, as a phase in a business’s lifecycle.
Source: Entrepreneur – Definition
EOD
Plain Language Description
End of Day
Full Description
End of Day
Source: EOD Definition
Expedited Reinstatement (EXR)
Plain Language Description
If your benefits stop because you worked too much, EXR can help.
You can ask to get your benefits back within 5 years if you stop working because of your health.
You might get up to 6 months of benefits right away while they check your request.
Full Description
A safety net if your cash benefits end because of your work. You may request reinstatement of your benefits within 5 years of when they ended if you
stop working at the substantial gainful activity (SGA) level because of your impairment. You may get up to 6 months of provisional (temporary) benefits while Social Security decides on your request.
Source: Red Book
Extended Period of Eligibility (EPE)
Plain Language Description
The EPE is 36 months (3 years) after your Trial Work Period (TWP) ends.
During the EPE, you might still get disability money if:
- Your health is still a problem.
- Your work is not too much (not SGA).
- If you work too much after the EPE ends, your benefits will stop.
Full Description
A consecutive 36-month period that follows your Trial Work Period (TWP) ends. During your EPE, you may still receive payments, depending on how much you work and earn. SSA can pay you disability benefits during your EPE if all these apply:
• Your condition is still disabling.
• Your work is not SGA.
Your benefits will end if your work is substantial after the end of your EPE.
Source: Red Book
F
Fair Labor Standards Act (FLSA)
Plain Language Description
The Fair Labor Standards Act of 1938 (FLSA) is a law that helps protect workers. It says workers must get paid at least a certain amount of money (called minimum wage). It also says workers must get extra money if they work too many hours (called overtime). This law helps keep track of work hours and has rules to keep kids safe at work.
Full Description
The Fair Labor Standards Act of 1938 (FLSA) sets requirements for minimum wage, overtime, record keeping, and child labor.
Source: HR Glossary (F) | SHRM
Family and Medical Leave Act (FMLA)
Plain Language Description
The Family and Medical Leave Act, or FMLA, is a law that started in 1993. It says big companies with 50 or more workers must let workers take time off for certain reasons. The time off is unpaid (no money), but the worker’s job is safe, and they can come back after.
Workers can use FMLA if they are sick or need to take care of a sick family member. The law was changed later to also help workers take time off if a family member in the military is hurt or if something important happens because of military service.
Full Description
The Family and Medical Leave Act of 1993 (FMLA) requires employers with 50 or more employees to offer unpaid, job-protected leave to qualifying employees for medically-related reasons. Amended in 2008 and 2009, it also provides for leave when a family member in the military is injured and needs care, and for other military service-related exigencies.
Source: HR Glossary (F) | SHRM
Family Support Services Program (FSSP)
Plain Language Description
The Family Support Services Program (FSSP) provides support through state general funds for families of people with developmental disabilities
Full Description
The Family Support Services Program (FSSP) provides support through state general funds for families of people with developmental disabilities
Source: Family Support Services Program (FSSP)
Federal Benefit Rate (FBR)
Plain Language Description
The FBR is the basic amount used to figure out your SSI money.
The amount can be different if you live alone, with someone else, or in a care home.
The FBR can go up each year when prices get higher.
Full Description
The FBR is the basic amount used to figure out your SSI money.
The amount can be different if you live alone, with someone else, or in a care home.
The FBR can go up each year when prices get higher.
Source: Red Book
Flexible Spending Account (FSA)
Plain Language Description
A particular account you put money into to pay for specific health care or child care costs. This money is not taxed.
Full Description
A Flexible Spending Account is an employee benefit that allows you to set aside money from your paycheck, pre-tax, to pay for healthcare and dependent care expenses
Source: Flexible Spending Accounts (FSAs)
Flexible Work Hours
Plain Language Description
A work schedule that allows you to choose your start and end times within certain limits.
Full Description
A work schedule that allows you to choose your start and end times within certain limits.
Source: Flexible Schedules
Freelance/Freelancer
Plain Language Description
A freelancer is a person who earns money on a per-job basis, usually for short-term work as an independent contractor or freelance work.
Full Description
Freelance is working for yourself and providing services to different companies as a freelancer.
Source: Freelance | Definition
Furlough
Plain Language Description
A furlough is when a worker has to take time off from their job for a little while. The worker is expected to come back to work later or have their work hours go back to normal.
Full Description
A furlough is a mandatory temporary leave of absence from which the employee is expected to return to work or to be restored from a reduced work schedule.
Source: HR Glossary (F) | SHRM
G
Gratuity
Plain Language Description
A small amount of money for someone who has provided you with a service to the official amount you paid
Full Description
A sum of money given to employees as a form of appreciation, commonly known as a tip.
Source: Gratuity | Definition
Gross Income
Plain Language Description
This is the money workers earn before taxes, health care, and other things are taken out of their paycheck.
Full Description
For individuals, gross income is the total pre-tax earnings from wages, tips, investments, interest, and other forms of income and is also referred to as “gross pay.”
Source: Gross Income Definition
H
Hawaii’s Department of Human Services’ Med-QUEST Division (MQD)
Plain Language Description
It helps adults and children who don’t have much money get health care through special health plans.
Full Description
It helps low-income adults and children obtain health coverage through managed care plans.
Source: Department of Human Services | Med-QUEST
Health Insurance
Plain Language Description
A plan that helps pay for doctor visits, hospital stays, and medicine.
Full Description
A contract that requires your health insurer to pay some or all of your health care costs in exchange for a premium.
Source: Health Insurance – Glossary | HealthCare.gov
Health Savings Account (HSA)
Plain Language Description
A particular account you can put money into to save for future medical expenses. This money is not taxed.
Full Description
A Health Savings Account (HSA) is a type of personal savings account you can set up to pay certain health care costs. An HSA allows you to put money away and withdraw it tax-free, as long as you use it for qualified medical expenses, like deductibles, copayments, coinsurance, and more.
Source: What’s a Health Savings Account
Human Resources Manager
Plain Language Description
A person who helps take care of the workers at a company. They help hire new people, teach them how to do their jobs, and make sure everyone gets the help they need at work.
Full Description
A person who is in charge of the department that deals with the employment, training, support, records, etc. of a company’s employees.
I
Impairment-Related Work Expenses (IRWE)
Plain Language Description
If you have a disability and you pay for things you need to work, Social Security may not count that money when they look at how much you earn.
These things can include:
- Medicine
- Co-pays
- Service animals
- Counseling
- Help from a care worker
Even if you use these things every day, not just for work, that’s okay. Social Security can still count less of your income, which may help you keep getting SSI.
Full Description
When Social Security makes a Substantial Gainful Activity, decision, Social Security can deduct the cost of items and services that you pay out of pocket and that you need to work because of your impairment. Some examples include: medicines, co-pays, service animals, counseling services, and attendant care services. It does not matter if you also need the items for your normal daily activities. SSA can usually deduct the cost of these same items from earned income to figure your SSI payment.
Source: Red Book
Incentives and Employee Recognition
Plain Language Description
When someone does a good job at work, it’s important to say “thank you” or give a reward. This helps people feel good and want to keep working hard.
There are many ways to say thank you. You can tell someone they did a great job, give them a prize, or even money for their good work. This helps people want to stay and do their best every day.
Full Description
Incentives and employee recognition are effective elements of hiring and retaining agency talent. This means providing
incentives to and recognition of employees for their performance and acknowledging their contributions to the agency’s mission.There are many ways to acknowledge contributions and good performance, from providing a sincere “Thank You!” for a specific job well done for establishing a formal cash incentive and Recognition Awards Program.
Source: Incentives and Employee Recognition PDF
Income
Plain Language Description
Income basically refers to money that “comes in,” or is earned.
Full Description
Income is any item an individual receives in cash or in-kind that can be used to meet their need for food or shelter. Income includes, for the purposes of SSI, the receipt of any item which can be applied, either directly or by sale or conversion, to meet basic needs of food or shelter.
Source: Income | Definition
Income for Purposes of SSI Eligibility
Plain Language Description
To get Supplemental Security Income (SSI), Social Security looks at the money you get. There are two kinds:
Earned income – This is money you make from working. It can come from a job, your own business, or special work programs.
Unearned income – This is money you get without working. It can come from gifts, Social Security, veterans’ benefits, or money from family. It also includes help with housing or money from someone you live with.
This helps us decide if you can get SSI and how much you can get.
Full Description
Income for the purposes of SSI eligibility and payment amount is:
Earned income – money received from wages, including from a sheltered workshop or work activity center, self-employment earnings, royalties, and honoraria received for services.
Unearned income – money received from all other sources, for example, gifts, interest, pensions, Social Security, and veterans’ benefits. Unearned income also includes “in-kind income” (shelter) and “deemed income” (some of the income of a spouse, parent, or sponsor of an alien).
Source: Red Book
Initial Reinstatement Period (IRP)
Plain Language Description
Your IRP starts when Social Security begins sending you disability money again.
It can last up to 24 months (they don’t have to be in a row).
If you get SSDI, you can get a payment for any month your job earnings are low.
If you get SSI, the usual money rules still apply.
Full Description
Your IRP begins with the 1st month that SSA reinstates your disability payments. The IRP can last for 24 months (not necessarily consecutive) and ends when you have received 24 months of payable benefits. If you receive SSDI benefits, SSA can pay you for any month during the IRP during which your work and earnings are not SGA. If you receive SSI, the standard income counting rules apply.
Source: Red Book
J
Job Coach
Plain Language Description
A job coach is a person who helps you find a job and improve your work skills.
Full Description
A job coach is a person who provides specialized on-site training to an employee with a disability. Typically, a job coach will help the employee with a disability learn the job, perform the job accurately, efficiently, and safely, and may also help acclimate the employee to the work environment.
Source: Job Coaches
Job Hopping
Plain Language Description
Job hopping happens when a person works for many companies in one year, spending only weeks or months at each company.
Full Description
The practice of changing your job very often.
Source: Job Hopping | Definition
Job Rotation
Plain Language Description
When employees move between different jobs or tasks within the company to learn new skills.
Full Description
A system of working in which employees work in a range of jobs in a company, so that they have different types of work to do and understand the organization better.
Source: Job Rotation Definition
Job Satisfaction
Plain Language Description
Job satisfaction is how happy and content you feel with your job.
Full Description
The feeling of pleasure and achievement that you experience in your job when you know that your work is worth doing, or the degree to which your work gives you this feeling
Source: Job Satisfaction Definition
Job Security
Plain Language Description
Job security is feeling safe that you will keep your job.
Full Description
The fact of your job being permanent, so that you will probably not lose it
Source: Job Security Definition
Job Training Program
Plain Language Description
A job training program is a course or class that teaches you skills for a job.
Full Description
A job training program is a course or class that teaches you skills for a job.
L
Layoff
Plain Language Description
A layoff is when a person loses their job because there is not enough work. This can happen when a business is having money problems or making big changes.
Sometimes a layoff is forever, and the person will not go back to the job. Other times, it is just for a little while, and the person might be asked to come back when things get better.
Full Description
A layoff is a separation of employment due to lack of work during periods of economic downturn or organizational restructuring. Layoffs may be permanent, or employers may implement a temporary layoff with the intention of recalling workers if circumstances allow.
Life Insurance
Plain Language Description
A plan that gives money to your family if you pass away.
Full Description
Life insurance is a contract between the insurance company and an insured, or policyholder, in which the company promises that at the death of the insured, the company will pay a certain amount of money to a person the insured designates in the contract, if that person survives the insured. In return for the promise to pay, the insured will pay the life insurance company a premium, which serves as the consideration for the contract.
Source: Life Insurance | Wex | US Law | LII
Long-Term Adult Supports & Resources (LASR)
Plain Language Description
A support system that helps people who are 18 years or older with disabilities. It is for people who cannot get Medicaid I/DD Waiver services but can get help from DDD (Developmental Disabilities Division).
The amount of LASR money changes each year.
Here are some things LASR can help with:
- Finding out what kind of job you want, trying volunteer work, or getting a paid job
Learning how to shop, use the phone, pay bills, make a budget, and cook - Making new friends and meeting people in your community
- Practicing skills you need for daily life
Right now, Goodwill Industries of Hawaii helps run the LASR program.
- Finding out what kind of job you want, trying volunteer work, or getting a paid job
If a person starts getting Medicaid I/DD Waiver services, the LASR help will stop.
Full Description
LASR funding is available for individuals 18 years and older, who are not eligible for Medicaid I/DD Waiver services are eligible for DDD Services.
- The total amount of LASR funding available varies from year to year.
- Examples of services include, but are not limited to:
- Opportunities for discovery and career planning, volunteer work, and competitive employment
- Activities to increase skills with shopping, banking, using the telephone, paying bills, budgeting, and cooking
- Developing friendships and relationships with community members
- Practicing skills in activities of daily living
- Currently, the DDD contracts with Goodwill Industries of Hawaii to administer LASR services.
- It is important to remember that if an individual is admitted to the Medicaid I/DD Waiver, LASR services for that individual will end.
Source: State Funded Services
M
Maternity Leave
Plain Language Description
Paid or unpaid time off for mothers to care for their newborn babies.
Full Description
A period in which a woman is legally allowed to be absent from work in the weeks before and after she gives birth
Source: Maternity Leave Definition
Meal Allowance
Plain Language Description
Money provided by your boss to help pay for meals while working, often during travel or long hours at your workplace.
Full Description
Money provided by your employer to help pay for meals while working, often during travel or long shifts.
Source: Publication 463 (2024), Travel, Gift, and Car Expenses
Medicaid (Medi-Cal in California, AHCCS in Arizona)
Plain Language Description
(Also known as Medi-Cal in California, AHCCCS in Arizona)
Medicaid is a health insurance program from the state. It helps pay for doctor visits, medicine, and other care for people who need it.
Full Description
Medical coverage provided to a person by the state’s Title XIX program.
Source: Red Book
Medicaid Protection for People with Disabilities Who Work
Plain Language Description
Some people with disabilities can keep Medicaid when they work. You can get Medicaid if:
– You make too much money to get SSI.
– You are 16 to 64 years old.
– You meet your state’s rules about money and savings.
– You may also get Medicaid if you’re feeling better but still have a serious disability.
Full Description
A state may provide Medicaid coverage for people with disabilities when all these apply:
• Have earnings that are too high to qualify for SSI under current rules.
• Are at least 16, but less than 65 years of age.
• Meet state resource and income limits.
A state may also provide Medicaid coverage to these people when they lose coverage due to medical improvement, but who still have a medically determinable severe impairment.
Source: Red Book
Medical Improvement Expected
Plain Language Description
If Social Security says you can get disability benefits, they might think your health will get better.
If they do, they will check your case again in less than 3 years.
Full Description
If Social Security approves your claim for disability benefits, Social Security may also decide that they expect your disabling impairment(s) to improve. If so, Social Security will schedule your case for a future review in less than 3 years.
Source: Red Book
Medicare
Plain Language Description
Medicare is health insurance for people with disabilities and people who are 65 or older. It usually includes:
Part A – helps pay for hospital stays
Part B – helps pay for doctor visits and other care
Part D – helps pay for prescription drugs
If you have a low income, you might get extra help to pay for your medicine.
You can learn more at: Apply for Medicare Part D Extra Help program
Full Description
Health insurance program for eligible people with disabilities and people age 65 or older, usually consisting of these:
• Medicare Part A (Hospital Insurance).
• Medicare Part B (Supplementary Medical Insurance).
• Voluntary prescription drug coverage with a Prescription Drug Provider (PDP) (Part D).
Low-income beneficiaries with Medicare can get Extra Help paying their prescription drug coverage premiums by applying with Social Security. More information is available at: Apply for Medicare Part D Extra Help program.
Source: Red Book
Medicare I/DD Waiver
Plain Language Description
A program that provides medical assistance for some individuals and families with low income and resources.
Full Description
A program that provides medical assistance for certain individuals and families with low income and resources.
Source: Red Book
Mentor
Plain Language Description
A mentor is a person who trains and guides someone in their job.
Full Description
A mentor is an experienced person who gives you advice and guidance in your career.
Source: Mentor | Definition
N
Net Salary
Plain Language Description
The amount of money employees take home after all payroll deductions.
Full Description
A person’s salary after taxes, insurance, etc., have been subtracted.
Source: Net Salary | Definition
O
Onboarding
Plain Language Description
Onboarding is how a new worker gets started at a job. It begins with a welcome and learning about the job. Then, over time, the worker learns more about how the place works, what the team believes in, and how everyone works together. This can take a few weeks or even a whole year. Onboarding is how a new worker gets started at a job. It begins with a welcome and learning about the job. Then, over time, the worker learns more about how the place works, what the team believes in, and how everyone works together. This can take a few weeks or even a whole year.
Full Description
Onboarding is the process in which new hires are integrated into an organization. It includes not only an initial new-hire orientation process, but an ongoing introduction to an organization’s structure, culture, vision, mission and values. Onboarding can last weeks and even up to a year.
Source: HR Glossary (O) | SHRM
On-the-Job Training
Plain Language Description
On-the-job training means learning how to do a job while you are at work. You get to see what the job is like and try it yourself. A helpful worker or manager will show you what to do and teach you step by step. You might watch them first, then try it on your own.
You will learn how to use tools, machines, and other work things. You will also learn how to solve problems that happen during the job. This kind of training happens at the real job site, not in a classroom, so it feels more comfortable.
Many companies use this kind of training because it’s easy to do and doesn’t cost much. It helps new workers get used to the job quickly. After you finish the training, you might get to stay and work there as a regular employee.
Full Description
On-the-job training helps develop the career of the individual and the prosperous growth of the organization. On-the-job training is a form of training provided at the workplace. During the training, employees are familiarized with the working environment they will become part of. Employees also get a hands-on experience using machinery, equipment, tools, materials, etc. Part of on-the-job training is to face the challenges that occur during the performance of the job. An experienced employee or a manager are executing the role of the mentor who through written, or verbal instructions and demonstrations are passing on his/her knowledge and company-specific skills to the new employee. Executing the training on at the job location, rather than the classroom, creates a stress-free environment for the employees. On-the-job training is the most popular method of training not only in the United States but in most of the developed countries, such as the United Kingdom, Canada, Australia, etc. Its effectiveness is based on the use of existing workplace tools, machines, documents and equipment, and the knowledge of specialists who are working in this field. On-the-job training is easy to arrange and manage and it simplifies the process of adapting to the new workplace. On-the-job training is highly used for practical tasks. It is inexpensive, and it doesn’t require special equipment that is normally used for a specific job. Upon satisfaction of completion of the training, the employer is expected to retain participants as regular employees.
Source: Introduction [to On-the-Job Training] PDF
Open Enrollment
Plain Language Description
A given time of year when you can sign up for or make changes to your health insurance plan.
Full Description
Open enrollment is an annual window to enroll in, change, or cancel an insurance plan for you and your family for the upcoming year.
Source: Open Enrollment Period
Overtime
Plain Language Description
Overtime is working more hours than usual, often for more pay.
Full Description
Overtime is working more hours than usual, often for extra pay.
Source:
P
Paid Time Off (PTO)
Plain Language Description
Days you can take off from work and still get paid, like vacation days or sick days.
Full Description
Days you can take off from work and still get paid, like vacation days or sick days.
Source: Paid Leave | U.S. Department of Labor
Paycheck
Plain Language Description
A paycheck is the money you receive for your work.
Full Description
A paycheck is the money you receive for your work.
Source: Paycheck | Definition
Paternity Leave
Plain Language Description
Paid or unpaid time off for fathers to care for their newborn babies.
Full Description
A period of time that a father is legally allowed to be away from his job so that he can spend time with his new baby
Source: Paternity Leave Definition
Pay Slip
Plain Language Description
A pay slip is a piece of paper you get on payday. It shows how much money you earned and how much was taken out for things like taxes.
Full Description
A pay slip is a document that shows how much you were paid and what was taken out for taxes and benefits.
Source: Pay Slip | Definition
Pension
Plain Language Description
A pension is money you receive after you retire, often from your employer.
Full Description
A pension is money you receive after you retire, often from your employer.
Source: Pension | Definition
Pension Plan
Plain Language Description
A retirement plan is one where your employer saves money for you to use when you retire.
Full Description
A pension plan is an employee benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides retirement income or defers income until termination of covered employment or beyond.
Source: Retirement Plans Benefits and Savings
Plan to Achieve Self-Support (PASS)
Plain Language Description
A PASS is a plan that helps you save money to reach a work goal.
You can save money to pay for things like:
- School or training
- Work tools or equipment
- Starting your own business
- The money you save in a PASS does not count when Social Security looks at your SSI.
Full Description
Under an approved PASS, you may set aside income and resources over a reasonable time that will enable you to reach a work goal to become financially self-supporting. You can use the income and resources that you set aside to obtain training or education, purchase equipment, or establish a business, among other purposes. Social Security does not count the income and resources that you set aside under a PASS when determining SSI eligibility and payment amounts.
Source: Red Book
Premium
Plain Language Description
The amount of money you or your employer pays each month for health insurance.
Full Description
The amount of money you or your employer pays each month for health insurance.
Source: Premium – Glossary | HealthCare.gov
Professional Development
Plain Language Description
Professional development is learning new skills to improve your career.
Full Description
Professional development is learning new skills to improve your career.
Source: Professional Development Definition
Profit Sharing
Plain Language Description
Profit sharing is when a company shares the money it earns with the workers. When the company makes extra money, the workers get some too.
Full Description
Profit sharing is when a company shares the money it earns with the workers. When the company makes extra money, the workers get some too.
Source: Profit Sharing Definition
Protection and Advocacy for Beneficiaries for Social Security (PABSS)
Plain Language Description
Every state, U.S. territory, and Tribal Nation has a group that helps protect the rights of people with disabilities.
This group runs a program called PABSS. It helps people with disabilities who get Social Security benefits.
Full Description
In every state, U.S. Territory and Tribal Nations, there is an agency that protects the rights of people with disabilities. This Protection and Advocacy System administers the Social Security’s PABSS program.
Source: Red Book
R
Reasonable Accommodation
Plain Language Description
A reasonable accommodation is a change at work that helps a person with a disability do their job. This can mean changing how something is done or making the workspace easier to use. It’s part of the law called the Americans with Disabilities Act, or ADA.
Full Description
A reasonable accommodation, under the Americans with Disabilities Act (ADA), is a modification or adjustment of a job process or work environment that will better enable a qualified individual with a disability to perform the essential functions of a job.
Source: HR Glossary (R) | SHRM
Relocation Assistance
Plain Language Description
Help from your employer with the costs of moving to a new location for your job.
Full Description
Your job might help pay for you to move to a new place for work.
Source: Relocation Incentives
Remote Work
Plain Language Description
The ability to work from a location outside of the office, often from home.
Full Description
Remote work is defined as a flexible work arrangement in which an employee, under a written remote work agreement, is scheduled to perform work at an alternative worksite and is not expected to perform work at an agency worksite on a regular and recurring basis. A remote worker’s official worksite may be within or outside the local commuting area of an agency worksite.
Source: Remote Work Definition
Resources
Plain Language Description
Resources are things you own.
This can include:
- Money in the bank
- Stocks
- A business
- A house or land
- Other things you own that can help you live
Social Security doesn’t count everything you own. For example, some life insurance policies don’t count when they decide if you can get SSI.
Full Description
Resources are anything you own. For example, bank accounts, stocks, business assets, real estate property, or personal property that you can use for your support and maintenance are considered resources. Social Security does not count all of your resources (life insurance policies) when it decides if you are eligible for SSI.
Source: Red Book
Retirement
Plain Language Description
Retirement is when you stop working, usually after many years, often because you are older.
Full Description
Retirement is when you stop working, usually after many years, often because you are older.
Source: Retirement | Definition
Retirement Plan
Plain Language Description
This is a special way to save money for when you stop working. This is called a retirement plan. Some examples are 401(k) plans or pension plans.
Full Description
A savings plan to help you have money when you stop working (retire). Examples are 401(k) or pension plans.
Source: Retirement Plan Definition
S
Sabbatical
Plain Language Description
Extended time off from work, usually unpaid, for personal growth, education, or rest.
Full Description
Extended time off from work, usually unpaid, for personal growth, education, or rest.
Source: Sabbatical | Definition
Self-Employed
Plain Language Description
Self-employed is when you work for yourself and not for an employer.
Full Description
Not working for an employer but finding work for yourself or having your own business.
Source: Self-Employed Definition
Severance Pay
Plain Language Description
Money you might get if you lose your job to help you until you find a new one.
Full Description
Severance pay is often granted to employees upon termination of employment. It is usually based on length of employment for which an employee is eligible upon termination. There is no requirement in the Fair Labor Standards Act (FLSA) for severance pay. Severance pay is a matter of agreement between an employer and an employee (or the employee’s representative).
Source: Severance Pay | U.S. Department of Labor
Shift Differential
Plain Language Description
Extra pay for working less desirable hours, such as night shifts or weekends.
Full Description
Shift differential is a premium pay rate for hours worked at untraditional times, such as nights, weekends or holidays. Although not required by the Fair Labor Standards Act (FLSA), many businesses with round-the-clock operations extend this type of compensation to their hourly employees.
Source: Night Shift Differential
Sick Leave
Plain Language Description
Sick leave means you can take time off from work and still get paid. People use sick leave when they are not feeling well or need to take care of health problems.
You can use sick leave if:
You are sick or hurt.
You are pregnant or just had a baby.
You need to go to the doctor, dentist, or eye doctor.
A doctor says you should stay home because you might make others sick.
A family member has died, and you need time to plan or go to the funeral.
You need to take care of a family member who is sick, hurt, or had a baby.
You need to help a family member get to the doctor, dentist, or eye doctor.
You need time off to help adopt a child, like meeting with lawyers or going to court.
You are getting help for drug or alcohol problems.
You need time off to fix or learn how to use something that helps you, like a seeing eye dog.
Sick leave helps people take care of themselves and their families.
Full Description
Sick leave is a period of approved absence with pay from official duties. Sick leave is authorized when an employee is incapacitated for duty as a result of physical or mental illness; injury, pregnancy or childbirth; Receives medical, dental, or optical examinations or treatment; Would endanger the rest of the workforce by being present on the job after exposure to a contagious disease as determined by a health care provider or public health authorities; Makes arrangements necessitated by the death of a family member or arranges for the funeral of a family member, including ceremonies up to one year after the death; Provides care for a family member (1) who is incapacitated as a result of mental or physical conditions, including pregnancy, childbirth and before/after care of the mother; (2) who requires assistance to medical, optical, dental examinations or treatments; or (3) with a serious health condition; Must be absent from duty for purposes relating to his/her adoption of a child, including appointments with adoption agencies, social workers, and attorneys; court proceedings; required travel; and any other activities necessary to allow the adoption to proceed; Participates in a drug or alcohol counseling program, or other counseling program which is under the auspices of a licensed practitioner and which has been prescribed as treatment by a licensed practitioner; or Requires time to replace or repair a prosthetic device, or train in the use of an aid, e.g., a seeing eye dog.
Source: Sick Leave | U.S. Department of Commerce
Social Security Administration (SSA)
Plain Language Description
The Social Security Administration (SSA) has three big jobs.
- First, they give people their Social Security numbers.
- Second, they run programs that help people who are retired, people whose family member has died, or people with a disability.
- Third, they help people who are 65 or older, blind, or have a disability by giving them money through a program called Supplemental Security Income (SSI).
Full Description
The Social Security Administration (SSA) has two main functions. One is to assign Social Security numbers. The other is to run the Social Security retirement, survivors, and disability insurance programs. A third function is to run the Supplemental Security Income program, for people who are 65 or older, blind, or with a disability.
Source: Social Security Administration (SSA)
Social Security Disability Insurance (SSDI)
Plain Language Description
SSDI gives money to people who have a disability or are blind and have worked and paid into Social Security.
You earn this by working and paying taxes. Sometimes, a spouse or parent’s work can help too.
Your children may also get money from your work record.
This program is called Title II of the Social Security Act.
Full Description
SSDI provides benefits to people who developed a disability or blind people who are insured by workers’ contributions to the Social Security trust fund. These contributions are based on your earnings (or those of your spouse or parents). Your dependents may also be eligible for benefits based on your earnings record. Social Security Disability Insurance is authorized under Title II of the Social Security Act.
Source: Red Book
Stock Options
Plain Language Description
This is a benefit that lets workers buy company stock for a cheaper price.
Full Description
A benefit that gives employees the chance to buy company stock at a lower price.
Source: Stock Option Definition
Student Earned Income Exclusion (SEIE)
Plain Language Description
Starting April 1, 2005, a new rule says that students under age 22 who work can get help from something called the Student Earned Income Exclusion (SEIE).
This rule is not just for kids who get SSI as a child. It helps any student under 22 who works.
SEIE means that some of the money a student earns from working will not count when Social Security looks at how much money they have.
It also helps if a student’s parents or spouse earn money, and it helps married students if both people are under 22 and working.
Full Description
Effective 4/01/05, Section 432 of the Social Security Protection Act extended the Student Earned Income Exclusion (SEIE) to all individuals on a record who are working students under the age of 22, not just those who meet the SSI definition of a child. The SEIE will apply to earnings deemed from an ineligible spouse or parent(s) and it will apply to the joint earned income of eligible couples when both members are under age 22 and are working students.
Source: SI 00820.510 Student Earned Income Exclusion
Subsidies and Special Conditions
Plain Language Description
These are extra supports you get at work that might help you earn more money than the work is really worth.
Social Security looks at the value of the work you do—not just how much you get paid—when deciding if your job counts as Substantial Gainful Activity (SGA).
Full Description
Supports you receive on the job that may result in more pay than the actual value of the work you perform. Social Security will use only the actual value of the work you perform when they make an SGA decision.
Source: Red Book
Substantial Gainful Activity (SGA)
Plain Language Description
To get disability benefits, a person must not be able to work and earn much money. If someone earns more than a certain amount each month, they are usually seen as able to work.
The amount a person can earn and still get benefits depends on their disability. People who are blind have a higher earning limit. People who are not blind have a lower limit.
These money limits can change over time as the average pay in the country changes.
Full Description
To be eligible for disability benefits, a person must be unable to engage in substantial gainful activity (SGA). A person who is earning more than a certain monthly amount (net of impairment-related work expenses) is ordinarily considered to be engaging in SGA. The amount of monthly earnings considered as SGA depends on the nature of a person’s disability. The Social Security Act specifies a higher SGA amount for statutorily blind individuals; Federal regulations specify a lower SGA amount for non-blind individuals. Both SGA amounts generally change with changes in the national average wage index.
Source: Substantial Gainful Activity
Supplemental Nutrition Assistance Program (SNAP)
Plain Language Description
The Supplemental Nutrition Assistance Program (SNAP) helps people who are poor get food. It gives support to families who need help buying food, including those moving from public support programs to work.
Full Description
The Supplemental Nutrition Assistance Program provides crucial food and nutritional support to qualifying low-income and needy households, and those making the transition from welfare to self-sufficiency.
Source: Benefit, Employment & Support Services
Supplemental Security Income (SSI)
Plain Language Description
SSI is money that helps people who don’t make very much from work. Most people can’t earn more than $2,019 each month from their job to get SSI. If you are married or a parent applying for your child, the amount can be higher.
They also look at other money you get, like disability pay, unemployment, or pensions.
Adults and kids might get SSI if they:
Have little or no money,
Don’t own many things, and
Have a disability, are blind, or are 65 years old or older.
Full Description
Supplemental Security Income (SSI) is generally for individuals who don’t earn more than $2,019 from work each month. The income limit increases for couples and when parents apply for children. We also look at other sources of income besides your job, like disability benefits, unemployment, and pensions.
Adults and children might be eligible for SSI if they have:
- Little or no income, and
- Little or no resources, and
- A disability, blindness, or are age 65 or older.
T
Telecommuting
Plain Language Description
Working from a location other than the office, like from home, often with the help of a computer and internet.
Full Description
Working from a location other than the office, like from home, often with the help of a computer and internet.
Source: HR Glossary (Telecommuting) | SHRM
Temporary Assistance for Needy Families Program (TANF)
Plain Language Description
Hawaii’s TANF program gives cash help to families who need it.
You can get help if:
- You have children under 18
- You are pregnant and in your ninth month, even if you don’t have any children yet.
Full Description
The Hawaii TANF program provides cash assistance to needy families with dependent children under the age of 18 or expectant mothers with no children, but who are in their ninth month of pregnancy.
Source: TANF & TAONF
The Three Tests
Plain Language Description
Social Security may use these three tests to look at your self-employment income when:
- You first apply for SSDI
- You have had SSDI for less than 24 months.
- They may also use the three tests to decide if they can start your benefits again during the EPE (Extended Period of Eligibility).
Full Description
SSA may use these tests to evaluate self-employment income when you initially apply for SSDI, and before you have received SSDI benefits for 24 months. SSA will also use the three tests to determine if they can reinstate your benefits when evaluating your work activity in the EPE.
Ticket to Work (TTW)
Plain Language Description
Ticket to Work is a free program for people who get SSI or SSDI and want to work.
- You can get help with job training, finding a job, and keeping a job.
- You don’t have to join, but you can if you want to.
- When you join, you are “using your Ticket.”
While using your Ticket, Social Security might not check your disability case.
Full Description
The TTW Program is for SSI or SSDI beneficiaries who want to work and participate in planning their employment. Participation in the TTW program increases your available choices when obtaining employment services, vocational rehabilitation services, and other support services you may need to get or keep a job. It is a free and voluntary service. When you participate in the TTW program, you are using your ticket. You might not be subject to a continuing disability review while you are using your Ticket.
Source: Red Book
Travel Allowance
Plain Language Description
Money provided by your employer to cover travel expenses for work-related trips.
Full Description
The daily lodging, meals, and other related expenses, including relocation expenses, incurred by an authorized traveler while on official travel.
Source: Definition: Travel Allowances
Trial Work Period (TWP)
Plain Language Description
The Trial Work Period lets you try working or running a business for at least 9 months.
You can still get your full SSDI checks during this time, as long as you report your work and your disability has not gotten better.
Full Description
The Trial Work Period (TWP) allows you to test your ability to work or run a business for at least 9 months and receive full SSDI benefits if you report your work activity and your impairment does not improve.
Source: Red Book
U
Unincurred Business Expenses
Plain Language Description
These are free things or help you get for your business, like:
- Free rent
- Donated supplies
- Help from friends or family who don’t get paid
If you work for yourself, Social Security takes these off your earnings when they decide if your work counts as Substantial Gainful Activity (SGA).
Full Description
Support contributed to your self-employment effort by someone else, for example, free rent, donated supplies, or unpaid help from friends or family members. If you are self-employed, SSA deducts unincurred business expenses from earnings when they make an SGA decision.
Source: Red Book
Unsuccessful Work Attempt (UWA)
Plain Language Description
An Unsuccessful Work Attempt (UWA) is when you try to work, but you have to stop or work less after 6 months or less.
This can happen because of your disability or because special help you needed was taken away.
Social Security does not count the money you earned during this time when they decide if your work counts as Substantial Gainful Activity (SGA).
Full Description
An Unsuccessful Work Attempt (UWA) is an effort to do substantial work (in employment or self-employment) that you stopped or reduced to below the Substantial Gainful Activity (SGA) level after a short time (6 months or less) because of your impairment, or the removal of special conditions related to your impairment that were essential to your work. Social Security does not count earnings during an UWA when we make an SGA decision.
Source: Red Book
V
Vacation Leave
Plain Language Description
Paid days off that you can use to take a break or go on a trip.
Full Description
Paid days off that you can use to take a break or go on a trip.
Source: Vacation Leave | U.S. Department of Labor
Vision Coverage
Plain Language Description
A plan that helps you pay for eye check-ups, glasses, and contact lenses.
Full Description
A plan that helps pay for eye exams, glasses, and contact lenses.
Source: Vision Coverage – Glossary | Health Care.gov
Vocational Rehabilitation (VR)
Plain Language Description
Vocational Rehabilitation (VR) is a program that helps people with disabilities get jobs. A disability can be something with the body or the mind. Every state and U.S. territory has a VR office to help people.
Full Description
The Vocational Rehabilitation (VR) program is a public program administered by a state VR agency in each state or U.S. territory to help people with physical or mental disabilities become gainfully employed.
Source: Red Book
W
Wellness Programs
Plain Language Description
Programs that help workers stay healthy, like going to the gym or learning how to take care of their body and mind.
Full Description
Programs to help employees stay healthy, like gym memberships or wellness workshops.
Source: Wellness Program Definition
Work Experience
Plain Language Description
Work experience is the jobs you have had in the past.
Full Description
Work experience is any time spent in a work environment where you learn new skills and gain real-world experience
Source: Work Experience Definition
Work Incentives
Plain Language Description
Work incentives help you keep your money and health benefits while you work.
If your benefits stop because you work but you have to stop working later, work incentives can help you get your benefits again more easily.
Full Description
Work incentives are designed to protect your cash and medical benefits while you work. If your benefits end because of work and you have to stop working later, work incentives can make it easier to begin receiving benefits again.
Source: Work Experience Definition
Work Incentives Planning and Assistance (WIPA) Projects
Plain Language Description
WIPA projects are groups in your community that help people who get Social Security or SSI.
They give free help to people, including young people getting ready to work.
People called Community Work Incentives Coordinators (CWIC) meet with you and explain how working can affect your money and health care.
Full Description
WIPA projects are community-based organizations that receive grants from Social Security to provide Social Security and disability beneficiaries and SSI recipients, including youth in transition, free access to work incentives planning and assistance. Community Work Incentives Coordinators (CWIC) are professionals who work for WIPAs, meet with beneficiaries, and provide important information about your benefits and how working would affect your Social Security income and health care.
Source: Red Book
Work Incentives Seminars Events (WISE)
Plain Language Description
WISE is a free online class for people who get Social Security disability.
It helps you learn about working or going back to work.
WISE talks about things like how to choose help with jobs and how work affects your benefits.
Some classes are for all disabilities, and some are for certain groups of people.
You can watch WISE anytime that is good for you.
Full Description
A free, internet-based seminar that gives Social Security disability beneficiaries information they need to make a decision about going back to work or working for the first time. WISE topics may include Choosing a Ticket to Work Service provider, Understanding Work Incentives and more. Some WISE address a broad range of disabilities, while others target people in specific disability categories or age ranges. WISE information may be accessed 24 hours per day at your convenience.
Source: Red Book
Work-Life Balance
Plain Language Description
Work-life balance is managing your job and personal life so you have time for both.
Full Description
Work-Life Balance is the amount of time you spend doing your job compared with the amount of time you spend with your family and doing things you enjoy.
Source: Work-Life Balance Definition
Workers’ Compensation
Plain Language Description
Insurance that gives money to workers who get hurt or sick from doing their job.
Full Description
Insurance that provides financial help to employees who get hurt or sick because of their job.
Source: Workers’ Compensation | USA.gov
Workplace Culture
Plain Language Description
Workplace culture is how people act and what they believe is important at work.
Full Description
Workplace culture is the shared values and behaviors in a workplace.
Source: Source: Work Culture – StatPearls – NCBI Bookshelf
