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      <title>FEAR Factor: Confronting fears of working with Facts, Evaluation, Action, and Results by FEAR Factor</title>
      <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking</link>
      <description>Fear Factor provides estimates and information based on rates and laws at the time of the presentation only and is intended to help people and their support teams better understand work and benefit rules. It should not be considered a substitute for professional benefits analysis. For personalized support, please consult a qualified benefits planner. Fear Factor is provided for informational purposes only. It is not intended to and does not constitute legal advice, recommendations, or counseling and should not be construed as legal advice on any matter. If you need legal advice, you should contact a licensed attorney.     If you find that these resources are inaccessible to you, please reach out to FEARFactorGroup@gmail.com and we can share an accessible version of the resource. </description>
      <language>en-us</language>
      <pubDate>2026-02-09 19:08:28 UTC</pubDate>
      <lastBuildDate>2026-07-07 14:20:31 UTC</lastBuildDate>
      <webMaster>hello@padlet.com</webMaster>
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         <title>Recording of SSI &amp; SSDI Fear Factor 1.26.26</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813323</link>
         <description><![CDATA[<p>Thanks to all the people who joined live and to Theresa Busher and Kelly Draggoo of the Social Security Administration!</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813323</guid>
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      <item>
         <title>Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI): Just the Basics</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813324</link>
         <description><![CDATA[<p>January 26, 2026</p><p>PowerPoint Handout</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813324</guid>
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      <item>
         <title>2026 MBIWD Decision Game Board </title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813327</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813327</guid>
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      <item>
         <title>&quot;I can‘t work because I will lose my benefits!&quot; If this statement sounds familiar, this information is for you! Ohio has developed a training series to help individuals with disabilities address their “F.E.A.R.” related to working and maintaining disability benefits.</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813330</link>
         <description><![CDATA[<p>Ohio has developed a training series to help individuals with disabilities address their “F.E.A.R.” related to working and maintaining disability benefits.</p><p>Confronting F.E.A.R. with Facts, Evaluation, and Action (leads to) Results!</p>]]></description>
         <enclosure url="https://ohioemploymentfirst.org/disability-benefits/confronting-fears-of-working-benefits-with-facts-evaluation-action-and-results" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813330</guid>
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      <item>
         <title>Supplemental Security Income (SSI) and Social Security Disability Insurance (SSDI):  Work Incentives</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813336</link>
         <description><![CDATA[<p>Watch the recorded FEAR Factor episode held April 30, 2025.</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813336</guid>
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      <item>
         <title>SSI and SSDI: Work Incentives PowerPoint Handout</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813337</link>
         <description><![CDATA[<p>Handout developed for presentation on April 30, 2025.</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813337</guid>
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      <item>
         <title></title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813338</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="https://ohioemploymentfirst.org/storage/ocali-ims-sites/ocali-ims-ef/documents/STABLE%20Account_OACBDD%202024.pdf">Episode: Stable Accounts (June 4, 2024)</a></p><p>In this session of F.E.A.R. FACTOR: Confronting Fears of Working with Facts, Evaluation, Action, and Results, our team of experts will delve into Stable Accounts and how they can help workers with disabilities maintain benefits while thriving in community employment. Join Lisa Comes (OACB), Anne Tapia (DODD), and Christine Brown (OSU Nisonger Center), along with a curated guest panel including Alaina Bowers (State of Ohio Treasurer's Office) and Nathan Turner (Ohio DODD Outreach and Education Coordinator) and Margaret Dramczyk (Lucas DD) as we all confront our fears of losing benefits while working together towards employment.</p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=wuW6eLtXt1E" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813338</guid>
      </item>
      <item>
         <title>Reporting Requirements</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813340</link>
         <description><![CDATA[<p>Recorded March 26, 2024. </p><p>In this session our team of experts discuss the many reporting requirements that people receiving benefits need to complete so that they do not lose benefits, and confront our fears of losing benefits while working together towards community employment. </p><p>Presenters: Lisa Comes from OACB, Anne Tapia from DODD, and Christine Brown from the Nisonger Center along with a curated guest panel including: Paula Washek (Clearwater Cog) and Latosha Olinger (Warren County Board of DD). </p>]]></description>
         <enclosure url="https://www.youtube.com/watch?v=i80axeHCz_U" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813340</guid>
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      <item>
         <title>Stable Account PowerPoint</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813342</link>
         <description><![CDATA[<p>As of June 4, 2024</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813342</guid>
      </item>
      <item>
         <title>Sample Rental Agreement</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813344</link>
         <description><![CDATA[]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813344</guid>
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      <item>
         <title>Housing Expenses Worksheet</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813346</link>
         <description><![CDATA[<p>If an SSI recipient is unsure about what their portion of the household living expenses should, they can use this Household Expenses Worksheet.  Write in the full amount of household expenses listed per month and then divide by how many individuals reside in the household to determine each individual monthly amount. </p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813346</guid>
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      <item>
         <title>Fear Factor Reporting Requirements PowerPoint </title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813348</link>
         <description><![CDATA[<p>Developed for presentation on March 26, 2024</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813348</guid>
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      <item>
         <title>What counts as IRWE?</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813350</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://choosework.ssa.gov/Assets/cw/files/FAQ-impairment-related-work-expenses.pdf" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813350</guid>
      </item>
      <item>
         <title>IRWE Calculator from DB101</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813351</link>
         <description><![CDATA[<p>Scroll down on the DB101 to find the IRWE Calculator and other helpful resources.</p><p><br></p><p><br></p><p><br></p>]]></description>
         <enclosure url="https://oh.db101.org/oh/programs/income_support/ssi/program2f.htm" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813351</guid>
      </item>
      <item>
         <title>Work Incentive Seminar Events (WISE)</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813352</link>
         <description><![CDATA[<p>Social Security Administration Ticket to Work webinar sessions </p>]]></description>
         <enclosure url="https://choosework.ssa.gov/wise/" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813352</guid>
      </item>
      <item>
         <title>Subsidy and Special Conditions</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813353</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://www.ssa.gov/disabilityresearch/wi/subsidies.htm" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813353</guid>
      </item>
      <item>
         <title>SSA Subsidy Form for SSDI / CDB beneficiaries</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813355</link>
         <description><![CDATA[<p>This form can be filled out by an employer to determine if someone is eligible for a subsidy, which can reduce an individuals countable income. </p>]]></description>
         <enclosure url="https://www.ssa.gov/forms/ssa-3033.pdf" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813355</guid>
      </item>
      <item>
         <title>Take 5 Videos from OCALI</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813357</link>
         <description><![CDATA[<p>Learn about essential topics for transition and adulthood and engage in new ideas through <strong><em>Take 5</em></strong> webcasts. Each short video in the <strong><em>Take 5</em></strong> series will review a topic, concept or idea about transition and adult life planning, service and support for those assisting youth and adults with disabilities. <strong><em>Take 5</em></strong> also provides five take-away resources for each of the webcasts to help extend learning and support implementation of new knowledge or sharing of valuable ideas.</p>]]></description>
         <enclosure url="" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813357</guid>
      </item>
      <item>
         <title>What&#39;s New on Ohio&#39;s DB101 Website?</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813359</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://ocali.org/Whats-New-on-Ohios-DB101-Website" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813359</guid>
      </item>
      <item>
         <title>Benefit Summary and Analysis</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813360</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://ocali.org/Benefit-Summary-and-Analysis" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813360</guid>
      </item>
      <item>
         <title>What is Medicaid Buy In for Workers with Disabilities?</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813361</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://ocali.org/What-is-Medicaid-Buy-In-for-People-with-Disabilities-or-MBIWD" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813361</guid>
      </item>
      <item>
         <title>Templates to help calculate IRWE </title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813362</link>
         <description><![CDATA[<p><a rel="noopener noreferrer nofollow" href="https://www.nationaldisabilityinstitute.org/wp-content/uploads/2022/08/irwe-requestinstructions.pdf">National Disability Institute (NDI) IRWE Instructions</a></p><p><a rel="noopener noreferrer nofollow" href="https://www.nationaldisabilityinstitute.org/wp-content/uploads/2022/08/irwe-requesttemplate.pdf">NDI IRWE Request Template</a></p><p><a rel="noopener noreferrer nofollow" href="https://ohioemploymentfirst.org/storage/ocali-ims-sites/ocali-ims-ef/documents/IRWERequestTemplate2021.pdf">Virginia Common Wealth IRWE Request Template</a></p><p><br></p>]]></description>
         <enclosure url="https://padlet-uploads-usc1.storage.googleapis.com/5159535910/1378022e986b6fc61c4f4cf7bf54f8ad/IRWE_REQUEST.pdf" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813362</guid>
      </item>
      <item>
         <title>SSI Fact Sheet- Student Earned Income Exclusion</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813364</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://padlet-uploads-usc1.storage.googleapis.com/5159535910/4a41e20e909277d0f7b187a052ecaf14/2025_SSI_Fact_Sheet_SEIE.pdf" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813364</guid>
      </item>
      <item>
         <title>Episode: What to Do When Things Go Wrong</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813365</link>
         <description><![CDATA[<p>Recorded August 27, 2025</p>]]></description>
         <enclosure url="https://youtu.be/QzjHZnNNgFY?si=2y21kAXZlOYk2hCJ" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813365</guid>
      </item>
      <item>
         <title>PowerPoint for What To Do When Things Go Wrong</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813366</link>
         <description><![CDATA[<p>Recorded on August 27, 2025</p>]]></description>
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         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813366</guid>
      </item>
      <item>
         <title>Find a local benefits planner</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813367</link>
         <description><![CDATA[]]></description>
         <enclosure url="https://choosework.ssa.gov/findhelp" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813367</guid>
      </item>
      <item>
         <title>Questions about FEAR Factor?</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813368</link>
         <description><![CDATA[<p>Please contact <a rel="noopener noreferrer nofollow" href="mailto:employmentfirst@dodd.ohio.gov">employmentfirst@dodd.ohio.gov</a> or Lisa Comes at <a rel="noopener noreferrer nofollow" href="mailto:lcomes@oacb.org">lcomes@oacb.org</a>. </p>]]></description>
         <enclosure url="" />
         <pubDate>2026-02-09 19:08:28 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3783813368</guid>
      </item>
      <item>
         <title>September 30th, 2026 Synergy Exchange</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3847658485</link>
         <description><![CDATA[<p>Join the FEAR Factor Team at the 2026 Synergy Conference where we will be participating in a Synergy Exchange from 2:00 pm - 5:00 pm!  We will share resources and be available to answer questions!  Hope to see you there! <a rel="noopener noreferrer nofollow" href="https://synergyohio.org/">https://synergyohio.org/</a></p>]]></description>
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         <pubDate>2026-03-31 15:18:44 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3847658485</guid>
      </item>
      <item>
         <title>FEAR Factor Resource Document</title>
         <author>annetapia</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3860467877</link>
         <description><![CDATA[<p>A list of helpful resources to help people with developmental disabilities to navigate the rules about working and benefits. </p><p><br/></p><p>Updated August 2025 </p>]]></description>
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         <pubDate>2026-04-09 21:11:59 UTC</pubDate>
         <guid>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3860467877</guid>
      </item>
      <item>
         <title></title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3883170422</link>
         <description><![CDATA[<p><strong>SSI Restoration Act</strong></p><p><br/></p><p><strong>Introduced in 119th Congress</strong></p><p>&nbsp;</p><p>On March 5, 2026, Senator Elizabeth Warren of Massachusetts introduced the Supplemental Security Income Restoration Act of 2026 (S.4001) in the 119 Congress. Similar bills have been introduced before, but have not received the needed support to even be brought to a vote.&nbsp; This bill, if passed and&nbsp;signed into law, would:</p><p>&nbsp;</p><ul><li><p>Increase the SSI payment to at least 100% of the FPL.</p></li><li><p>Increase the resource limit to $10,000 per individual and $20,000 per couple.</p></li><li><p>Increase the earned income exclusion (EIE) to $512.</p></li><li><p>Eliminate the marriage penalty by allowing each member of a married couple to receive the full FBR (before any deductions for wages or in-kind support) rather than one reduced couple’s rate check.</p></li><li><p>Expand SSI eligibility to qualified individuals residing in U.S. territories.</p></li></ul><p>Write a letter of support to your elected officials if you support this bill. </p><p>Find your elected officials at <a rel="noopener noreferrer nofollow" href="https://urldefense.proofpoint.com/v2/url?u=https-3A__members.nabwis.org_ct.php-3Flid-3D525458457-26mm-3D153775877233&amp;d=DwMGaQ&amp;c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&amp;r=FpmedGHCmVMGVq1s2Epo0V4jh0YPrzh9OV0mXhKU48U&amp;m=WyFAtbqChxDnqfIMTk5BNKRYxo_CrEGXuM5_HMVgjydrQNCtedEMorIueKtB4Zit&amp;s=Q4kTSgMBn14dqA75OPvHrx7PAyF5nShL8zoMPhd1G9s&amp;e=">Find Your Representative | </a><a rel="noopener noreferrer nofollow" href="http://house.gov">house.gov</a><a rel="noopener noreferrer nofollow" href="https://urldefense.proofpoint.com/v2/url?u=https-3A__members.nabwis.org_ct.php-3Flid-3D525458457-26mm-3D153775877233&amp;d=DwMGaQ&amp;c=euGZstcaTDllvimEN8b7jXrwqOf-v5A_CdpgnVfiiMM&amp;r=FpmedGHCmVMGVq1s2Epo0V4jh0YPrzh9OV0mXhKU48U&amp;m=WyFAtbqChxDnqfIMTk5BNKRYxo_CrEGXuM5_HMVgjydrQNCtedEMorIueKtB4Zit&amp;s=Q4kTSgMBn14dqA75OPvHrx7PAyF5nShL8zoMPhd1G9s&amp;e=">.</a></p>]]></description>
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         <pubDate>2026-04-24 12:21:13 UTC</pubDate>
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         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3890751156</link>
         <description><![CDATA[<p>Derek Graham joined us to present on Medicaid Estate Recovery.  <a rel="noopener noreferrer nofollow" href="https://www.pglawohio.com/">https://www.pglawohio.com/</a></p>]]></description>
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         <pubDate>2026-04-29 13:44:14 UTC</pubDate>
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         <title>PowerPoint for Medicaid Estate Recovery 4.22.2026</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3892584079</link>
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         <pubDate>2026-04-30 15:46:22 UTC</pubDate>
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         <title>Secure Your Financial Future: Employee Benefits Security Administration</title>
         <author>annetapia</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3926326239</link>
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         <pubDate>2026-05-22 15:35:12 UTC</pubDate>
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         <title></title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3941256067</link>
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         <pubDate>2026-06-04 14:11:54 UTC</pubDate>
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         <title></title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3941300679</link>
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         <pubDate>2026-06-04 14:42:06 UTC</pubDate>
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         <title></title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3941301935</link>
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         <pubDate>2026-06-04 14:43:15 UTC</pubDate>
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         <title>FEAR Factor Medicaid for Working People</title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3974158457</link>
         <description><![CDATA[<p>Recorded June 24th, 2026</p>]]></description>
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         <pubDate>2026-07-06 13:23:25 UTC</pubDate>
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      </item>
      <item>
         <title>FEAR Factor Medicaid for Working People PowerPoint </title>
         <author>fearfactorgroup</author>
         <link>https://padlet.com/fearfactorgroup/ConfrontingFearsOfWorking/wish/3974193523</link>
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         <pubDate>2026-07-06 14:01:45 UTC</pubDate>
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