Budgeting Examples

Example I - An Individual

Fabian Saroyan is disabled and receiving the following income:

RSDI (disability based) $720.00 per month
Earnings of $519.60 per month

He has the following property:

An individual retirement account $70,000.00
Checking account $1,250.00

From MC 338: 250% Income Test Work Sheet - Adults	Computation
Applicant’s gross earned income	$519.60
Minus $65 earned income deduction plus amount unused of $20 “any income deduction”	- $85.00
Subtotal	$434.60
Divide subtotal by 2 to get countable earned income	$217.30
250% Income Eligibility Determination: rounded down	$217.00
List 250% of the FPL for one (year 2016)	$2,475.00
Determination	Eligible

From MC 338 A: SSI/SSP Income Test Work Sheet - Adults	Computation
SSI payment level for one (in the year 2016)	$733.00
Determination	Eligible

From MC 338 C: SSI/SSP Property Test Work Sheet - Adults and /Child Applicants	Computation
Applicant’s net non-exempt property	$1,250.00
Property limit for one person	$2,000.00
Determination	Eligible

Example II - Child With Ineligible Parents

Family consists of a disabled (DDSD ) 19 year old woman. She lives with her parents who are both ineligible. Child is receiving worker’s compensation of $568.00 bi-weekly and is earning $300.00 weekly at a local department store. Her parents both work, her father’s gross income is $1,800.00 per month from a full time job, and her mother’s gross income is $475.00 per month from a part-time job.

Child’s property:

Savings account $1,100.00

Parent’s property:

Savings account $1,450.00
Checking account $175.00

From MC 338 B: 250% & SSI/SSP Income Test Work Sheet - Child	Computation
Gross earned income (from parents: $1,800 + $475)	$2,275.00
Minus $65 earned income deduction plus amount unused of $20 “any income deduction”	- $85.00
Subtotal	$2,190.00
Divide by 2 to get countable earned income	$1,095.00
Enter parental deduction (SSI/SSP payment level for two parents, in the year 2016)	$1,265.00
Allocation amount to Potential 250% WD Child	$0.00

From MC 338 B: 250% & SSI/SSP Income Test Work Sheet - Child	Computation
Child’s gross income	$1,299.00
Minus $65 earned income deduction plus amount unused of $20 “any income deduction”	- $85.00
Subtotal	$1,214.00
Divide by 2 to get net non-exempt earned income	$607.00
List 250% of current FPL for one (in the year 2016)	$2,475.00
Does the child meet the 250% income test	Yes/Eligible
Enter the SSI/SSP payment level for one (in year the 2016)	$733.00
Does the child meet the SSI/SSP income test	Yes/ Eligible

From: MC 338 C: SSI/SSP Property Test Work Sheet - Adults and/Child Applicants	Computation
Parental allocation. Only consider the net non-exempt property	$1,625.00
Enter the property limit for two (two parents in the home)	$3,000.00
Total allocation to child	$0.00
Enter child’s own net non-exempt property	$1,100.00
Enter the property limit for one	$2,000.00
Does the child meet the property requirement	Yes/Eligible

Example III - Eligible Individual With Ineligible Spouse (aged)

The family consists of father, mother and a pair of twins who are 16 years old. Father is disabled, receiving RSDI (disability based) and working part-time earning $530.00 per month. Mother is also working and earns $1,380.00 per month. The married couple have a bank account with a current balance of $1,785.00. The husband has a retirement account through his employment that has a value of $15,000. Spousal deeming rules apply for this situation.

From MC 338: 250% Income Test Work Sheet - Adults	Individual	Ineligible Spouse
Enter applicant’s gross earned income, and if deeming applies, enter ineligible spouse gross earned income	$530.00	$1,380.00
Minus allocation to ineligible children from ineligible spouse. $217 Standard SSI Allocation per child (2X $217=$514)		- $514.00
Subtotal		$866.00
Combined earned income (column 1 + column 2)	$1,396.00
Enter any IRWE of potential 250% applicant	$0.00
Subtotal	$1,396.00
Minus $65 earned income deduction plus amount unused of $20 “any income deduction”	-$85.00
Subtotal	$1,311.00
Divide by 2 to get countable earned income	$655.50
Total countable income	$655.50

From MC 338: 250% Income Test Work Sheet - Adults (continuation)	Computation
Enter gross unearned amount for ineligible spouse	$1,380.00
Minus allocation to ineligible children from ineligible spouse	- $514.00
Subtotal	$866.00
Spousal Deeming Applies	Yes
Enter total countable income from previous section, round down	$655.50
List 250% of FPL. If there is spousal deeming, use FPL for two (in the year 2016)	$3,338.00
Determination	Yes/Eligible

From: MC 338 A: SSI/SSP Income Test Work Sheet - Adults	Computation
Ineligible spouse’s earned income after allocation to ineligible children	$866.00
Minus $65 earned income deduction plus amount unused of $20 “any income deduction”	- $85.00
Subtotal	$781.00
Divide by 2 to get ineligible spouse’s net earned income	$390.50
Total income considered for the SSI/SSP Income Test	$390.50
SSI/SSP payment level for two. Individual with ineligible spouse and spousal deeming rules apply (in the year 2016).	$1,100.00
Determination	Yes/Eligible

From: MC 338 C: SSI/SSP Property Test Work Sheet - Adults and /Child Applicants	Computation
Net non-exempt property of the applicant and spouse	$1,785.00
Property limit for two persons	$3,000.00
Determination	Yes/Eligible

Twenty-Six Weeks of Temporary Unemployment Entries

To prevent CalSAWS from discontinuing the client from the 250% WDP when income stops for up to 26 weeks, the EW must follow these steps:

When the client reports that he/she has stopped working, but plans to return to work, the EW should end date employment.
A case alert should be set for 26 weeks as of the date the client reported the employment stopped. The EW must reevaluate the client’s employment status at the end of the 26 weeks, and take appropriate action depending on the employment status.

Separately Identifiable Account Entries

The client may keep earned income in a separately identifiable account as long as it is not combined with other resources.

Conversion of RSDI Disability to RSDI Retirement Entries

RSDI Social Security Disability income that converts to Social Security Retirement income when the client reaches retirement age is exempt, depending on the individual’s eligibility to receive RSDI Retirement.