Very Important Info for Caregives in the US Regarding Affordable Care Act

OP is an attention whore.

Either help, or don't for fuck's sake.

Glad to help and hope this info helps people understand their payments for providing care for ceratin foster care individuals (see IRS Code 131) are excludable as income. I got one of my sisters over $5,00 back from the IRS (plus interest) for taxes she wasn't required to pay for caring for her adult developmentally disab
ed daughter in her home (my sister's home), and helped an attorney recover three years of taxes (don't know how much she got, just provided the tax info to her) for a similar situation.

I know tht many people (and many state governments) don't realize that the paymemts Medicaid pays to providers of in-home care are generally foster care payments and excludable as income. For purposes of expanded Medicaid eligibility, this is important because these payments cannot be used for your Modified Adjusted Gross Income (MAGI) calculations to determine eligibility for healthcare coverage. Research: MAGI ACA, IRS Code 131, and check your state to see if it is an expanded Medicaid state as they will have to comply with the new MAGI methodology and excluded foster care payments.

I care for my handicapped son, what states are you talking about? He has been on SSI since 8 yrs old. I lived in Ohio up till 5 yrs ago and got nothing no programs nothing for handicapped people he is now 46 and Hawaii pays for 24 hrs of direct service worker time a week, would love to know if there are more I could get for him

I just checked Hawaii and they are expanding Medicaid so this could benefit you and your son going forward as their programs and benefits should increase.

[link to www.medicaid.gov]

Sorry, I have to agree. Share the info and stop making demands. After all, if only ONE person is helped, isn't that enough?

I want to thank you so much, OP. You have helped a lot of people who need and deserve it.:phf:

First of all your state must hae opted for the expanded Medicaid for this to apply. Secondly, you must be providing in-home care in your own home (unless your state includes the care recipient's home as does my state), and you must be receiving payments for providing cre for the disabled person or even an adult elderly (other ategories of cared-for adults may apply as well as regular foster care for children), for this information to be of use to you.

No.1 The Affordable Care Act is based on "taxable income"

IRS Code 131 Certain Foster Care Payments Title 26 US Code, provides that foster care payments to providers of foster care are not to be included in gross income and are excludable as income. You are not required to report this income to the IRS as it is not taxable.

No.2 Based on the new MAGI (Modified Adjusted Gross Income), methodology that mandates that all states that have opted to expand their Medicaid programs have to adhere to the new MAGI methodology, states must therefore exclude your foster care payments from your Affordable Care Act Medicaid eligibility calculations. You have no income for that purpose. See my related post that got not even one bit of interest here:

Thread: Does anyone here provide foster care for adult disabled person in their home?

Upon further research into my state's eligibility for the previous state insurance (that I will lose at the end of this month), I have determined that I should have never been charged a monthly premium as my foster care payments were required to be excluded from my eligibility determination, but it was instead erroneously considered 'income' contrary to federal and state law. I fully expect to be refunded the $95.00 per month for the four+ years I paid that monthly premium, (not that I minded that payment as I have full comprehensive insurance that had very cheap co-pays that I describe in that post). I also fully expect to qualify for the new expanded Medicaid in my state which currently is simply continuing the insurance MCO coverage that was in place for the aforementioned health plan I'm on that was due to terminate. Pays to do research-which I enjoy and excel at.

I hope the mods pin this as I will not be monitoring this post. Too disappointed that no one seems interested in truly useful and helpful info on GLP on the so called Obama care.

I didn't like the idea of this ACA myself, but will be taking full advantage of the law to my own benefit since I can do nothing about it being enacted. Educate yourselves. Google MAGI and look for states that have published their MAGI methodology like Massachusetts for instance which clearly excluded foster care payments to providers of foster care. Research IRS Code 131.

Please post any/all info and reference info you can offer.
MORE INFO:
In addition to Expanded Medicaid states being required to only use taxable income (with minor exceptionS), for ACa MAGI eligility calculations, nOw there is no longer an asset test as in most low income program elegibility calculations for programs such as SNAP, TANF, LIHEAP, and CHIP. or whatever the Medicaid funded low income programs are called in your state.

For example if someone has received or receives a monetary gift from a family member, that no longer is reqired to be considered a financial resource or factored in to your includabble iincome or resources. Everyone should read the pdf linked below and see what is being made available to low income and caregiver situations in their given state.

Btw, I see the complainers still haven't read the information I provided or theyre simply just complainers, and ungrateful ones at that...
Summary
[link to www.cbpp.org]
PDF
[link to www.cbpp.org]

Find more info on elimination of asset test in majority of states and cases.
[link to itup.org]

The Definition of Income Under PPACA
In Section 2002(a) and Section 1401(a) of PPACA, household income is defined to be MAGI in
compliance with the Internal Revenue Code (IRC). Specifically, gross income is total income
minus certain exclusions (e.g., public assistance payments, employer contributions to health
insurance payments). From gross income, adjusted gross income (AGI) is calculated to reflect a
number of deductions, including trade and business deductions, losses from sale of property, and alimony payments. MAGI is defined as AGI plus certain foreign earned income and tax-exempt interest.22 Because AGI (and consequently MAGI) includes only sources of income that are taxable, some sources (or types) of income that may be considered resources for determining whether a person (or couple) is low-income are only partially included, whereas others are not included at all. Two of the sources of income partially included in MAGI that may be considered resources for determining low-income are non-taxable Social Security benefits and non-taxable pension and annuity income. Examples of sources of income that are not included in MAGI are fringe benefits, cafeteria plan benefits, gifts (cash, property, or in-kind), and inheritances (see
Table 2).
These may be considered resources for determining low-income. In addition, as discussed later,
many other low-income programs include some measure of liquid assets as resources when
determining eligibility.
22
See IRC Section 36(B)(d)(2)
MAGI methodology does not apply to:
• Aged, Blind or Disabled (AABD) program, including spenddown,
• Long Term Care (Nursing Home, Supported Living Facility, DoA-Aging Community Care Waiver),
• Health Benefits for Workers with Disabilities (HBWD),
• Medicare Savings Program (QMB, SLIB, QI-1),
• Foster Care (category 98), and
• Former Foster Care (a new eligibility group under ACA for whom all income is exempt).

As of Jan 1,

medicaid has restored dental coverage for adults

covers naturopathic physicians providing primary care

and cover contraceptives

to name a few

I just checked Hawaii and they are expanding Medicaid so this could benefit you and your son going forward as their programs and benefits should increase.

[link to www.medicaid.gov]

Since you posting this the first time I have since moved back to Ohio. my sons father died so he is getting Survivor Benefits from Social Security,this now is all he gets from Social Security. I was in Hawaii at the time he died and didnt know he passed until two years later when I moved back. They said they could only give him 6 months in back payments. He gets the Survivor Benefits and his medical and drugs paid by Medicare and $16.00 in food stamps. I get nothing but my own Social Security.He has been on a list since 2013 in Ohio for a waver program for a care giver program. Ohio is pretty bad about giving money out for programs, have to be on a list for years till someone getting it dies and causing a space to fill. Are you saying I could be getting money from SS to care for my son?