Asset Building for
Persons with Disabilities
April 12, 2007
Virtual Classroom Layout
Presentation
Slide
Area
Attendee List
Chat Room
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Submitting Questions
 Enter questions into the Chat Room
(located in lower left corner of the
virtual classroom).
 To submit a question or comment,
type the question in the text box
and click the arrow button.
 Your name, the text “(Submitted
Question)” and your question will
appear in red on your screen,
indicating successful submission.
 Questions are directly transmitted
to presenters – other participants
will not see your questions.
Asset Building for Persons with Disabilities
Chat Room
Text Box
Arrow
Button
3
Practice
In the chat room,
please type the
name of your
organization, your
location, and how
many people are
attending with
you today.
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Access to Webinar Materials
 Materials and presentation slides used in this
webinar will be available for download from the
Research & Information section of the
Workforce3 One Webspace.
 All webinars are recorded and available for
viewing after the event. Recorded webinars will
be posted to the Multimedia Information/
Self-Paced Learning section of the Workforce3
One Webspace.
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Presenters
Presenters:
 Johnette Hartnett, Director of
Research, National Disability Institute
 Don Dill, Senior Tax Analyst, Internal
Revenue Service
 Sharon Brent, Director of Training,
National Disability Institute
 Venessa Fairbairn, Disability Program
Navigator Manager, Orange Park, FL
Moderator:
 Laura Farah, Program Associate, Law
Health, Policy & Disability Center,
University of Iowa College of Law
 Michael Morris
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Overview
 Real Economic Impact Tour: Building healthy
financial futures for Americans with disabilities
– Johnette Hartnett, Director of Research,
National Disability Institute
 Tax Benefits and Credits for Persons with
Disabilities
– Don Dill, Senior Tax Analyst, Internal Revenue
Service
 Real Sense: Real Dollars for Real People
−Venessa Fairbairn, Disability Program
Navigator Manager, Orange Park, FL
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Real Economic Impact
Building healthy financial futures for
Americans with disabilities
Formerly the TaxFacts+ Campaign
Johnette Hartnett, Ed.D.
Director of Research,
National Disability Institute
Washington, DC
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Real Economic Impact Mission
To provide new century workers with
disabilities access to mainstream financial
and tax services and promote selfdetermination, economic advancement and
social well being.
Asset Building for Persons with Disabilities
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Real Economic Impact Vision
American citizens of all abilities will have
access to a menu of financial and tax services,
products and education that enhance income
preservation and asset growth.
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Real Economic Impact Goals
 Increase number of tax filers with disabilities;
 Increase utilization of tax credits and deductions;
 Develop research-based tax and financial data
that describes who tax filers are with disabilities;
 Develop research-based tax and financial
education curricula;
Asset Building for Persons with Disabilities
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Real Economic Impact Goals
 Develop universal strategies of access and
accommodation to financial institutions to
increase disability customer base;
 Develop accessible financial and tax products;
 Increase local partnership network between
disability and community-based organizations, the
publicly funded One-Stop centers, and local tax
and financial institutions; and
 Document real economic impact of persons with
disabilities and related organization activity in
selected cities nationwide.
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Real Economic Impact
Why the Focus on Disability!
 One in five Americans have a disability
 One third of families have a member with a
disability
 Higher drop-out rates for teen boys with disabilities
 Increased federal and state scrutiny of growing
disability costs
 Enduring poverty and unemployment and
underemployment
 25% increase in disability
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Real Economic Impact
Why Disability Focus is Important!
 Build economic security through income
preservation and asset building
 Increase utilization of tax credits and deductions
 Reduce asset poverty
 Increase employment rate
 Build credit history
 Expand products and services that are accessible
and useful
 Amend federal policy that will encourage not
penalize positive financial behavior
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Real Economic Impact
Why Disability Focus is Important!
 Increase familiarity and utilization of tax credits
 83% never claimed a deduction related to
employment or disability
 Less than half of homeowners with a disability
claim home mortgage deductions
 44% homeowners are persons with disabilities
 Less than 10% homeowners are people with
intellectual disabilities
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Real Economic Impact
Assumptions
 Ownership of assets
creates good life
outcomes
 Underutilization of tax
credits is due to lack of
information, access and
outdated tax code
 Demographic studies
predict rise in disability
numbers and costs
Asset Building for Persons with Disabilities
 Financial service products
need retooling to meet
growing needs of pwd
 Persons with disabilities
living longer – life
expectancy increase
across several disabilities
18
Real Economic Impact
Inputs and Infrastructure
 2007 25 Mini grants to 54 cities to build
community-based workgroups
 Mayor summit meeting in NYC with 11 cities
November 2006
 Cities creating disability kick-offs for tax filing
season – reading Mayor Proclamation
 New Website going live March 2007
 Disability Toolkit will be available March 2007 for
cities to replicate best practices
 Disability Resource Network Team
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Four City Study Outcomes
732 long surveys filled out by people with
disabilities
Tax Preparation and Filing
 Positive experience at free tax site
 Simplify tax filing requirements
 23% used free tax site
 8% paid for RAL
 25% received EITC in past
 57% requested special accommodations
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Four City Study Outcomes
Financial Service Profile
 30% on SSI and 24% on SSDI
 42% receive Medicaid
 27% receive Medicare
 66% have checking accounts
 44% savings accounts
 0% IDA participants
 74% no money management training
 16% use online banking
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Real Economic Change
Emerging Best Practices
 Train tax preparers (volunteer and otherwise) on
tax credits and provisions for people with
disabilities on and off public benefits
 Provide participating free tax coalitions information
and training about what makes a site accessible for
people of all abilities.
 Host meetings between local disability and nonprofits involved in asset building and free tax
preparation work.
 Establish disability workgroup with lead being a
person with a disability.
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Real Economic Impact
 Invite disability organizations to be a free tax filing
site and provide training for volunteer preparers.
 Present information about free tax filing to local
disability boards.
 Invite people with disabilities to become volunteer
tax preparers and greeters at sites.
 Identify accessible sites with disability symbols.
 Refer individuals with disabilities to local Disability
Program Navigators who will help refer eligible
customers to various asset building initiatives
(IDAs, NeighborWorks, benefits screening, etc.).
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Real Economic Impact Links
Private Sector Groups
 National Disability Institute
www.nationaldisabilityinstitute.org
 Real Economic Impact Tour
www.realeconomicimpact.org (going live early April
2007)
 The New America Foundation’s Asset Building Site
www.assetbuilding.org
 The Corporation for Economic Development (CFED)
www.cfed.org
 CFED’s IDA Network www.idanetwork.org
 World Institute on Disability www.wid.org
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Real Economic Impact Links
Private Sector Groups, cont.
 The Center on Budget and Policy Priorities direct
link to EITC Toolkit www.cbpp.org/eic2007
 National Community Tax Coalition www.taxcoalition.org
 NCB Capital Impact www.ncbcapitalimpact.org
 Law, Health Policy, and Disability Center of the
University of Iowa Disability.law.uiowa.edu
 One-Stop Toolkit www.onestoptoolkit.org
 Resources of the Week e-newsletter
www.onestoptoolkit.org/resourceoftheweek.cfm
 The World Institute on Disability www.wid.org
 Equity e-Newsletter
www.wid.org/publications/?page=equity
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Real Economic Impact Links
Federal Government Sites
 The Internal Revenue Service
− www.irs.gov
− www.irs.gov/eitc
− www.irs-eitc.info/SPEC
 The Federal Deposit Insurance Corporation
www.fdic.gov
 The Money Smart Program
www.fdic.gov/consumers/consumer/moneysmar
t/index.html
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Communication
Real Economic Impact
Johnette T. Hartnett, Ed.D. And Director of Public Policy
Law, Health Policy & Disability
Director of Research
Center
National Disability Institute
University of Iowa,
1667 K Street, Suite 640
College of Law
Washington, DC 20006
http://www.university.uiowa.edu/law/
202-296-2043
202-296-2047 Fax
202-236-0238 Cell
Jhartnett@ndi-inc.org
www.realeconomicimpact.org
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Work Incentives Training
for Successful Employment
Sharon Brent
Director of Training,
National Disability Institute
sbrent@ndi-inc.org
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Building Blocks for
Self Determination
1. A person has the Freedom to dream, make his or
her own decisions and plan their own life.
2. A person has the Authority to control how money
is spent for supports
3. A person has the Support needed from people
they choose, i.e. family, friends, employees.
4. A person is required to take Responsibility to do
what he or she says they will do
5. Confirmation – the recognition that individuals
themselves be a major part of the design of long
term services and supports
Asset Building for Persons with Disabilities
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Checklist for Success
 When you call SSA (1-800-772-1213) keep a record:
− Date
− Name of person you spoke to
− What you asked
− What they told you
 Make copies of all documents you give to SSA: both
forms you fill out and evidence you want them to have
that are in your possession. Do not LOSE your
copies!!
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Checklist for Success (Cont’d)
 Promptly open and read ALL mail sent by SSA.
When SSA gives a deadline response date,
compliance within that date is required. Seek help
immediately for help. Keep ALL paperwork, letters,
and mailing envelopes in your file. Do Not Lose!!!!
 You must report pay stubs each month to SSA. Be
sure to report to correct field office (Zip Code of
the payee is the key). Report by mail, and/or walk
into the office. Keep wage records in your file.
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Checklist for Success (Cont’d)
 If a person receives SSI and/or Medicaid,
remember to keep all resources/assets below
$2,000/individual $3,000/couple in any month to
maintain eligibility. Medicaid eligibility may vary
from State to State.
 When a major life change occurs (address,
marriage, employment, lose of job, divorce,
children) report to SSA immediately, both to 1800-772-1213 and to local SSA field office.
Asset Building for Persons with Disabilities
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Definition of Disability
The SSA defines disability for both SSI and SSDI
programs as the inability to engage in Substantial
Gainful Activity (SGA) by reason of any medical
(physical and/or mental or blind) impairment.
Disability must have lasted or be expected to last for
a continuous period of not less than 12 months or
result in death.
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Definition Substantial
Gainful Activity
 SGA=A basic test used by SSA to establish
disability status
– SGA is the performance of significant mental
and/or physical duties for profit.
– It is usually determined to be gross earnings
(before taxes) of an amount of money that is set
January 1 of each calendar year based on the
National Average Wage Index.
– To meet this test a person must not be working,
or if working earning less than the annual SGA
level amount.
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Eligibility of Benefits
 Supplemental Security Income-SSI
– Unearned Income (Not Wages)
• SSDI, VA, Annuities
– Income (Earned Wages)
• 12 months no SGA income
• SGA factor at initial eligibility
• Once on SSI SGA is not at issue
– Resources (NOT Wages or Unearned Income
• $2,000/month/Individual
• $3,000/month/Couple
– Medical Eligibility
• DDS (STATE) Determines Medical Eligibility
• Medicaid (Medical Insurance)
• SSI connected, State Administered
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Eligibility of Benefits
 Social Security Disability Insurance-SSDI
– Required Work Credits in F.I.C.A
– 5 Month Waiting Period + 12 months non SGA income
– SGA
• Initial Eligibility
• During EPE and Beyond
– Medical Eligibility
• DDS (STATE) Determines Medical Eligibility
– DAC –Disabled Adult Children
• Disability Prior to Age 22
• Never Legally Married
• Insufficient FICA
• Parent: Retires, Dies, Becomes Disabled
• Possible continuation of Medicaid
– Medicare (Medical Insurance)
• 24 months upon eligibility determination
• Part A/Hospitalization-Part B or D-Medical Premium
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Trial Work Period-Twp
SSDI Work Incentive
 Unless medical recovery is an issue, (SSDI) beneficiaries are
entitled to a 9 month Trial Work Period (TWP) for testing
work skills while maintaining the monthly cash benefits.
During this TWP full benefit checks will continue regardless of
the amount of money earned. The 9 months of TWP do not
need to be earned in a row.
– TWP months are counted when an individual earns a
specific amount of income. (Determined January 1 each
year by SSA)
– The TWP ends only when an individual has 9 months of
TWP within a 60 month consecutive period of time (5
years).
– Once all 9 months of TWP have been earned within the 60
month window a person then enters Extended Period of
Eligibility (EPE).
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Extended Period of Eligibility (EPE)
SSDI Work Incentive
 At the conclusion of the 9 month TWP beneficiaries will
immediately enter into the 36 month EPE as long as the
medical eligibility continues.
 The 36 month period begins in the month following the 9
month TWP whether a person is determined to be earning
SGA or not.
 During EPE cash benefits continue only for months SGA is not
earned. Any month SGA is earned the individual is not eligible
for the cash benefit. The first month of SGA (grace months)
benefits continue. Next two months are considered grace
months and if SGA is earned benefits continue.
 When EPE is complete, a person earning gross wages below
SGA will continue to receive a benefit check as long as medical
eligibility continues. If a person is earning SGA or above and
the EPE is completed, a person is no longer eligible for a cash
benefit.
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Extended Period of Eligibility (EPE)
SSDI Work Incentive (Cont’d)
 For self-employment, an individual determination
of SGA will be established during EPE. An SSDI
claims representative will look at hours and
income when making SGA determination.
If a person needs support in order to earn
income document and record the time and
activity of support in order to determine if
earnings are actually SGA. (See Work
Incentive Subsidies).
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Work Incentives
Comparison Chart
Supplemental Security Income
Social Security Disability
SSI
Insurance SSDI
 Continuation of SSI
 Trial Work Period
 Student Earned Income
 Extended Period of Eligibility
Exclusion
 Continuation of Medicare
 1619 A and B
 Section 301
 Section 301
 Blind Work Expense
 Blind Work Expense
 Subsidies
 Subsidies
 Ticket To Work
 Ticket To Work
 Expedited Reinstatement
 Expedited Reinstatement
 Impairment Related
 WorkExpense
 Impairment Related Work
Expense
 Property Essential for Self Support
 Plan for Achieving Self-Support60
Asset Building for Persons with Disabilities
Tax Benefits and Credits for
Persons with Disabilities
Don Dill
Senior Tax Analyst
Internal Revenue Service
Atlanta, GA
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Tax Benefits and Credits are Available to
Persons with Disabilities
 The US Tax Code Provides Numerous Tax Benefits
And Tax Credits Created For and/or That Contain
Special Provisions For Persons With Disabilities.
These Benefits And Credits Are Available To:
 Qualifying Taxpayers With Disabilities
– Parents Of A Child (Or Children) With A Disability (Or
Disabilities)
• Employers Who Hire Employees With Disabilities
• Businesses Or Other Entities Wishing To
Accommodate People With Disabilities
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Tax Benefits and Credits are Available
to Persons with Disabilities
– For Taxpayers With Disabilities
• Medical Expenses
• Impairment-related Work Expenses
• Credit For The Elderly Or Disabled
– For Parents Of A Child With A Disability
• Qualifying Child Regardless of Age
• Medical Expenses
• Child and Dependent Care Credit
• Earned Income Tax Credit
– For Employers And Businesses
• Disabled Access Credit
• Architectural/Transportation Tax
Deduction
• Work Opportunity Credit
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Tax Benefits and Credits are Available
to Persons with Disabilities
– Tax Benefits – Also Referred To As Expenses,
Deductions And Exemptions. These Amounts
Generally (Excluding Itemized Deductions) Are
Used To Reduce A Taxpayer’s Taxable Income
On A Dollar-for-dollar Basis. Once A Final
Taxable Income Amount Is Determined, The
Taxpayer’s Tax Liability (Before Consideration Of
Payments And Tax Credits) Is Determined Based
On The Taxable Income Amount.
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Tax Benefits and Credits are
Available to Persons with Disabilities
– Tax Credit – Tax Credits Are Used To Reduce
A Taxpayer’s Tax Liability On A Dollar-by-dollar
Basis. Generally, Tax Credits Can Be Used To
The Extent Of An Existing Tax Liability (i.e.
Reducing Tax Liability To Zero). In Special
Situations, Including The Earned Income Tax
Credit (Fully) And The Child Tax Credit
(Partially) The Remaining Tax Credits Available
After Taxable Liability Is Brought To Zero Can
Be Refunded Directly To The Taxpayer.
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Earned Income Tax Credit
 The Earned Income Tax Credit (Or EITC) Is A Tax Credit
Available To Individuals Who Work And Have Income
Less Than $36,348 In 2006 ($38,348 For Taxpayers
Married Filing Jointly)
 The Earned Income Tax Credit Is A Refundable Tax
Credit! That Means If The Amount Of EITC An
Individual Is Entitled To Is Greater Than Their Tax
Liability, That Individual Would Receive A Refund From
The IRS For The EITC In Excess Of Their Tax Liability
– Example – If A Taxpayer Is Entitled To An EITC Of
$1,700 And Has A Tax Liability Of $500, That
Taxpayer Would Receive A Refund In The Amount Of
$1,200
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Earned Income Tax Credit
 The Amount Of Earned Income Tax Credit Available Is
Dependent Upon The Amount Of Earned Income And
Whether Or Not The Individual Has A Qualifying Child:
– For An Individual (Or Couple) With Two Or More
Qualifying Children, The Maximum Adjusted Gross Income
Allowed Is $36,348 ($38,348 If Married Filing Jointly) And
The Maximum Allowable Credit Is $4,536
– For An Individual (Or Couple) With One Qualifying Child,
The Maximum Adjusted Gross Income Allowed Is $32,001
($34,001 If Married Filing Jointly) And The Maximum
Allowable Credit Is $2,747
– For An Individual (Or Couple) With No Qualifying Child
Who Are Between The Ages Of 25 And 64, The Maximum
Adjusted Gross Income Allowed Is $12,120 ($14,120 If
Married Filing Jointly) And The Maximum Allowable Credit
Is $412
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Earned Income Tax Credit
 The Amount Of Earned Income Tax Credit Available Is
Dependent Upon The Amount Of Earned Income And
Whether Or Not The Individual Has A Qualifying Child:
– For An Individual (Or Couple) With Two Or More
Qualifying Children, The Maximum Adjusted Gross Income
Allowed Is $36,348 ($38,348 If Married Filing Jointly) And
The Maximum Allowable Credit Is $4,536
– For An Individual (Or Couple) With One Qualifying Child,
The Maximum Adjusted Gross Income Allowed Is $32,001
($34,001 If Married Filing Jointly) And The Maximum
Allowable Credit Is $2,747
– For An Individual (Or Couple) With No Qualifying Child
Who Are Between The Ages Of 25 And 64, The Maximum
Adjusted Gross Income Allowed Is $12,120 ($14,120 If
Married Filing Jointly) And The Maximum Allowable Credit
Is $412
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Earned Income Tax Credit
 Earned Income
– Most Disability Related Benefits (Including Social
Security Disability Insurance, SSI, Military Disability
Pensions And Payments From Individually Purchased
Disability Insurance Policies) Are Not Counted As
Earned Income For Purposes Of The EITC.
– Long-term, Employer-paid Disability Benefits Paid To
An Individual Under The Minimum Retirement Age
Qualifies As Earned Income For EITC Purposes, Even If
The Individual Did Not Work During The Tax Year In
Question.
– Earned Income Can Be Earned By Only One Spouse To
Qualify For The EITC and Can Be Generated By Parttime Or Full-time Employment
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Earned Income Tax Credit
 Impact Of Earned Income Tax Credit On Eligibility For Other
Benefits
– Federal Law Generally Excludes Counting EITC (As Well As
The Child Tax Credit (CTC)) As Additional Income In
Determining Eligibility For Other Federal Public Benefits,
Including SSI, Medicaid, Veteran’s Benefits, Head Start,
Etc.
– EITC Refunds Are Not Considered Employment Income And
Have No Impact On Substantial Gain Activity (SGA) Levels
– For Resource Testing, Generally EITC And CTC Refunds If
Saved Are Not Counted Toward Dollar Limits On Resources
During The Month Received And The Following Month
– For SSI Purposes, EITC And CTC Refunds Are Excluded
From Resources For Nine Months Following The Month The
Refund Is Received
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Venessa Fairbairn
Disability Program Navigator
Manager, Orange Park, FL
Jacksonville Disability Outreach
Initiative
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Collaborative Efforts
 Several information gathering
meetings with the IRS
Disability Initiative Manager
with the DPN
 DPN joined the Real Sense
Prosperity Campaign Steering
Committee
 The Independent Living
Center (CIL) was engaged to
join the outreach effort
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Accessible “Money Smart”
 Disability specialists (ILRC), and the DPN became Certified
“Money Smart” Trainers
 Money Smart Classes are offered in Jacksonville at the
ILRC, targeting individuals with disabilities are totally
accessible. The classes are also open to non-disabled
individuals
 The IRLC will provide ASL Interpreters when requested.
 In St. Johns County, the DPN partnered with the NFCCA to
teach the classes and provide ASL services to those who
are Deaf
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Outreach
 The DPN conducts Disability Orientations in each center.
Real Sense info is included, with emphasis on EITC for
adults (25 + without children and who earn under 12k
annually
 Info on the IDA program is explained, including that the
funds are waived for those on SSI and can be used
concurrent with the PASS Plan
 The DPN has given presentations to the First Coast
Rehabilitation Council and the Job Opportunity Consortium
on the Campaign.
 Information was shared at the University of North Florida
Disability Awareness Fair, and at Tools for success (a Duval
County Schools conference for parents and professional)
 Upon request, information sent to agency and individuals
include:
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Outreach
 The Advocacy Center of Florida, the Florida School for
the Deaf and the Blind
 A large service provider attended the Money Smart Class
in St. Johns and brought 8 customers with disabilities
 Information was shared at a recent VR/WorkSource
meeting with 15 VR Counselors.
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Services
 A press release went out to all media regarding
Money Smart in ASL and the following:
 A new VITA site has been established at the ILRC
in Jacksonville (non disabled are served as well.
 They held a Deaf Services days where they hired
ASL Interpreters all day to prepare tax returns for
workers who are Deaf (9 have been served and
more will come next week)
 St. Johns County recruited a Tax Prep Volunteer
who is fluent in ASL ( 4 have been served so far,
and more are scheduled)
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 March 15, 2007
 The RealSense Prosperity Campaign Provides Tax
Assistance for People with Disabilities
 In 2007, the RealSense Prosperity Campaign
announced increased outreach to workers with disabilities
who may need accommodations for free tax preparation,
information on Earned Income Tax Credit (EITC), financial
literacy classes and matched savings accounts.
 Together with The IRS's Disability Initiative, The Real
Economic Impact Tour, WorkSource, the ILRC (Independent
Living Center), and the Northeast Community Action
Agency, the RealSense Prosperity Campaign works to inform
workers with disabilities about available accommodations,
and an array of services and programs specifically for SSA
Beneficiaries who also work.
Asset Building for Persons with Disabilities
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 Adult Workers between the ages of 25 and 65 who
earned lees than $12,120 in 2006 are eligible for EITC.
This credit may be available even without a qualifying
child or dependent.
 Adult Workers who receive SSI or SSDI whose earnings
stay under Substantial Gainful Activity (SGA) which is
$900.00 per month, are most often eligible for the tax
credit.
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 In St. Johns County, people who request tax assistance in
American Sign Language (ASL) can set appointments for
Fridays at WorkSource 525 State Road 16 in St. Augustine.
In addition to offering free tax preparation, the site also
offers financial education classes in ASL.
 In Jacksonville, The Independent Living Resource Center will
provide tax preparation services and financial education
classes.
 The RealSense Prosperity Campaign, a coalition of agencies,
nonprofits and local businesses under the administrative
guidance of United Way of Northeast Florida, works in
partnership with the IRS to secure unclaimed Earned
Income Tax Credit dollars for qualifying wage earners.
Additionally, RealSense provides financial literacy training to
help recipients save this money towards the purchase of a
home, continuing education or starting a small business.
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 For information, appointments, and
accommodation requests, call 904 819-0231
Ext. 2001 TTY FRS 711 or email Venessa
Fairbairn vfairbairn@worksourcefl.com.###
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Suggested Improvements
 Add “Equal Opportunity Program, Reasonable
Accommodations will be given upon Request”
Verbiage to all marketing materials
 Create an outreach piece specifically for workers
with disabilities that included information on the
IDAs
 Send such a piece to all disability list-serves and
agencies
 Ensure, via training, that all with disabilities who
visit One Stops get all of the information
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Question & Answer Period
Please enter your questions into the Chat Room!
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Share Your Ideas With Your Peers!
Simply log on to
Workforce3 One and look
for the “Share Content
Icon” in red located on the
left side of your screen.
Share your
demand-driven
strategic plans, models,
innovations, resources,
and ideas!
Submit your content to Workforce3 One at:
http://www.workforce3one.org/members/sections/suggest/
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Access to Webinar Materials
 Materials and presentation slides used in this
webinar will be available for download from the
Research & Information section of the
Workforce3 One Webspace.
 All webinars are recorded and available for
viewing after the event. Recorded webinars will
be posted to the Multimedia Information/
Self-Paced Learning section of the Workforce3
One Webspace.
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Stay Informed, Get Connected!
Workforce3 One:
 Communities of practice
 Live web-based events
 Register for updates!
www.workforce3one.org
For more information about the workforce
investment system:
 Visit www.careeronestop.org
 Call 1-877-US2-JOBS
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Mark Your Calendars
Workforce Innovations
July 17-19, 2007
Kansas City Convention Center
www.WorkforceInnovations.org
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www.workforce3one.org
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