People who get Social Security Disability (SSDI) or Supplemental Security Income (SSI) for a disability can use Social Security "work incentive" programs. NJWINS provides free advice to people with disabilities who are interested in learning about the work incentive programs. These programs can sometimes allow:

• SSDI or SSI beneficiaries to keep receiving some cash benefits while testing their ability to work.
  
  
• SSDI or SSI beneficiaries to keep their medical insurance (Medicare or Medicaid) while they test their ability to work and even after they get a full-time job.
  
  
• Some beneficiaries "trial work periods" in which their benefits are protected if they are not able to stay employed.
  
  
• Other benefits such as free or low-cost job training.

The rules for these work incentives are sometimes confusing, and NJWINS caseworkers can help explain them. For instance, they can explain how income from a job will affect SSDI or SSI disability cash benefits and medical insurance. NJWINS is funded by Social Security under its Work Incentives Planning and Assistance (WIPA) grant, which used to be known as the Benefits Planning Assistance and Outreach (BPAO) grant. NJWINS is an independent not-for-profit group that provides free advice to consumers.

How Can You Get in Touch with NJWINS
Contact a Benefits Planning Specialist in your county.

Sussex, Warren, Mercer, Hudson & Middlesex
Huntley Forrester
1005 Whitehead Station Rd. Extension, Suite 1
Ewing, NJ 08638
Phone: 609-882-4182
Toll-free: 877-659-4672
TTY/voice: 877-NJWINS2
Fax: 609-882-4054
E-mail:

Morris, Hunterdon & Somerset
Leonor Madrigal
322 Route 46 West, Suite 220
Parsippany, NJ 07054
Phone: 973-244-0850
Toll-free: 866-946-7465
TTY/voice: 866-946-7465
Fax: 973-244-9590
E-mail:

Monmouth & Ocean
Greg Makely
Lion's Head Office Park
35 Beaverson Blvd., Suite 8-C
Brick, NJ 08723
Phone: 732-262-8020
Toll-free: 866-946-7465
TTY/voice: 866-946-7465
Fax: 732-262-7805
E-mail:

Burlington & Camden
Andrea Infante
216 Haddon Avenue, Suite 329
Westmont, NJ 08108
Phone: 856-858-5900
Toll-free: 866-946-7465
TTY/voice: 866-946-7465
Fax: 856-854-5171
E-mail:

Atlantic, Cape May, Cumberland, Gloucester, Salem
Odilia Sexto
P.O. Box 1015
Wildwood, NJ 08260
Phone: 609-770-3615
Toll free: 877-659-4672
TTY/voice: 877-NJWINS2
Fax: 609-770-3615
E-mail:

Bergen, Essex, Passaic
Fresh Start WIPA Project
(not affiliated with NJWINS)
TTY/voice: 201-567-1311

Low-income New Jerseyans can get free legal help by phone: call our toll-free hotline at 1-888-LSNJ-LAW (1-888-576-5529), Monday through Friday, 8:00 a.m. to 5:30 p.m. Outside of New Jersey, please call 732-572-9100 and ask to be transferred to the hotline.