Tag Archives: Benefits

Low Income Health Care Card – Australian Government Department of Human Services, low income benefits.#Low

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Low Income Health Care Card

Low income benefits

A concession card to get cheaper health care and some discounts if you’re on a low income.

Eligibility basics

  • under the income test limits
  • meet residence rules

Eligibility payment rates

Who can get a card

You may be able to get a Low Income Health Care Card if your income is below the limit in the income test.

Income test

To get a Low Income Health Care Card your income must be under the limit.

Residence rules

On the day you apply for a Low Income Health Care Card you must be in Australia.

Benefits

You and your dependent child can get benefits if you have a Low Income Health Care Card.

Non-income tested card

If your payment was cancelled on 1 January 2017 because of the changes to the pension assets test, you’re eligible for one or more health cards.

Claiming

Check if you re eligible before you start your claim.

  • find out what you need before you start your claim
  • fill in your claim
  • submit your claim and any documents we ask for
  • wait for us to assess your claim and tell you the result

Managing

Renewing a card

You need to renew your Low Income Health Care Card.

Digital Wallet

Have your concession or health care card with you everywhere you take your phone.

Try self service

Do your Centrelink, Medicare and Child Support business using self service options, including our Express Plus mobile apps, online accounts and phone self service.

Change of circumstances

You need to tell us if your circumstances change when you hold a Low Income Health Care Card.

Lost or stolen card

Lost or stolen cards can be replaced.

If you travel outside Australia

There are limits on how long your card remains current when you travel outside Australia. You must keep meeting the rules for this card at all times.

Someone to deal with us on your behalf

If you want someone else to deal with us, you can authorise them to enquire, act or get payments for you.

Resources

Other concession and health care cards

Concession and health care cards can help you access cheaper health care services and medicines.

Payment and Service Finder

Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently get from us.

Manage your money

Low income benefits

We ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.

Green Army Programme

Provides training and work experience in environment and heritage conservation for young Australians while generating environmental benefits.


Help on a low income – Citizens Advice, low income benefits.#Low #income #benefits

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Help on a low income

Find out what help you can get if you are on a low income.

This could be help with living costs, rent, council tax, free prescriptions or school meals. For emergency expenses, there are one off payments from the Social Fund or from a welfare assistance scheme.

Housing Benefit

Working and child tax credits

Find out if you can get working or child tax credits and how to claim. If you have a tax credits overpayment find out how to challenge the decision.

Jobseeker s Allowance (JSA)

Check if you can get JSA – and how much you could get – while you look for a full-time job. If your JSA has stopped or been reduced, find out how to challenge the decision.

Income Support

Find out if you can get Income Support and how much you could get. If your Income Support has stopped or you have an overpayment, find out how to challenge the decision.

Help with your Council Tax – Council Tax Reduction

Extra help if you’re on benefits or your benefits have stopped

Extra help you could get if your benefit payments aren’t giving you enough to live on or have stopped. Find out how to apply for help from your local council or an interest-free budgeting loan.

Using a food bank

How to get emergency food from a food bank.

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Advice

Resources and tools

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About Citizens Advice

Low income benefits

Low income benefitsCopyright © Citizens Advice. All rights reserved.

Citizens Advice is an operating name of the National Association of Citizens Advice Bureaux. Registered charity number 279057

VAT number 726 0202 76 Company limited by guarantee. Registered number 1436945 England

Registered office: Citizens Advice, 3rd Floor North, 200 Aldersgate, London, EC1A 4HD


Benefits and Grants – Low-Income Assistance Programs, low income benefits.#Low #income #benefits

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Benefits and Grants Low-Income Assistance Programs

Benefits and Grants Low-Income Assistance Programs. Below is a short list of government benefits and grants, that can help the unemployed and working, but earning low wages. Recessions come and go, but creative and resourceful people will always survive life’s storms. The government has formed programs such

Recessions come and go, but creative and resourceful people will always survive life’s storms. The government has formed programs such as help with rent , utilities , money for childcare and heating grants.

These programs are income based and try to help the hardest hit citizens to care for their families. If you are unemployed, working part-time or working two jobs and still struggling, we hope you find something on our this site that is beneficial to you.

We will be regularly posting new tips on affordable housing, grants, and other resources to help you and your family, improve the quality of your life. Find out more information about the help that is available to you.

Poverty is not a judgment. It is a state of deprivation or a lack of the usual or socially acceptable amount of money or material possessions. Wikipedia

Benefits and Grants

Low-Income Home Energy Assistance Program

LIHEAP is a great help for households experiencing financial shortages. LIHEAP benefits offer grants to go towards utility bills, by making home repairs that will help lower energy costs. Typical repairs may be insulating drafty windows and doors, wrapping water heaters, patching roofs, etc.

Eligibility requirements for LIHEAP assistance may differ from state to state. If your income is at or 250% below the federal poverty guidelines, you may be eligible. Please check with the LIHEAP office in your area.

Children’s Health Insurance

Medicaid and the Children’s Health Insurance Program (CHIP) work together to provide health insurance to children living in low-income families without health insurance. If you have four or more children or more and live in poverty according to the Federal Poverty Guidelines may be eligible for health care for their child through the Insure Kids Now program. This health care covers dental, immunization, prescriptions and visits to the doctor.

Lifeline Free Cell Phone Plans

Lifeline provides free and discounted landline and cell phone services to low-income consumers who qualify financially. Each family is allowed one phone line and must recertify every year to keep service. Also, each year you must recertify that you qualify if you want to continue receiving Lifeline assistance.

There are dozens of free phone providers all over the United States and US territories. If you, receive SNAP, Medicare, WIC, Disability, government assistance programs, you may qualify.

Nutrition Assistance

Government nutritional programs, make sure that no family or individual who qualifies financially will go hungry. Many disadvantaged families include seniors, the disabled, and families who are unemployed or underemployed. If you need help with food, apply for the Supplemental Nutrition Assistance Program (SNAP) for monthly food assistance for your household. You may also qualify for free or discount lunch program for your school-aged children.

Free Dental Care

Going to the dentist is not a privilege, it is a necessity for your physical health and appearance. There are many dentists that offer their services to help low-income families with dental care. With companies laying off workers and cutting back on hours, you can lose your medical benefits. There are doctors and dentists who donate their time and skills to treat those who don t have dental insurance. Find out where to get free dental care.

Free Daycare Programs Help Moms

It is a known fact that childcare can take up to 50% of your salary, especially if you have more than one child. Many women decided to stay home altogether, because of the cost of child care, the cost of childcare takes all or most of their salaries. When there are no profits to working, the best choice can be to be a stay at home mom and live on one salary.

Most single moms do not have the luxury of staying at home. Especially Moms working a low wage job. They have no choice but to work and try to survive on one salary to care for their families. Consider taking advantage of the benefits and grants the government offers.

As a mom, the most important thing is to work and care for your family. If you are a single mother that needs help paying for daycare, you may qualify for this resource: 1-888-LAHELP-U (1-888-524-3578), DHS Child Care Assistance Program. Keep in mind that there is a certain amount

Free Christmas Toys

Christmas comes every year and every year some families don t have the finances to buy toys for Christmas. Christmas is not just about toy and gifts, but you look into the eyes of a small child and tell them Christmas is not about them.

There are some organizations like the Salvation Army, Toys for Tots, Angel Tree, and many Religious Organization provides free Christmas toys of kids every year. * Read more about how to receive free toys for Christmas

Food Banks

Many times even when families receive SNAP benefits they run out of food. Every community has churches and other organizations that have food pantries that give out groceries to needy families. Some places you can walk in and get help, but other places you need a referral from the Department of Social Services or community organization.

Food banks usually give out food based on the number of people in the family. Larger organization, like organizations like the Catholic Church, also give out meat, toiletries, and other items. Find a food bank in your community.


Food Assistance Programs for the Elderly, NCOA, low income benefits.#Low #income #benefits

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Food Assistance Benefits

There are several benefits programs that can help low-income seniors and adults with disabilities pay for nutritious foods. You can see if you, a family member, or client is eligible for any of these programs using NCOA s free online screening tool, BenefitsCheckUp®.

SNAP, once called the Food Stamp program, may be known under different names in some states. SNAP provides benefits to qualified households through electronic cards that enable them to buy nutritious food at participating stores.

Less than half of all seniors who qualify for SNAP are enrolled in the program, making low-income seniors especially vulnerable to hunger. NCOA’s Senior SNAP Enrollment Initiative is working to increase enrollment of qualified seniors into the benefit. Visit our Senior Hunger webpage to find senior SNAP outreach and enrollment tools, or download your state’s SNAP application at BenefitsCheckUp®.

If you or a loved one resides in an area that has been affected by a disaster, you also may be eligible to receive additional or replacement SNAP benefits through D-SNAP, the Disaster Supplemental Nutrition Assistance Program.

Senior Farmers’ Market Nutrition Program (SFMNP)

SFMNP is a federally funded benefits program that awards grants to states, the District of Columbia, U.S. territories, and federally recognized Indian tribes. The grants are used to give low-income seniors coupons that can be used to purchase fresh fruits, vegetables, herbs, and honey from farmers’ markets, roadside stands, and community supported agriculture programs.

Commodity Supplemental Food Program (CSFP)

CSFP works to improve the health of low-income elderly persons at least 60 years of age by supplementing their diets with nutritious USDA foods. CSFP food packages include a variety of foods, such as milk, juice, cereal, rice, pasta, peanut butter, dry beans, canned meat, poultry, or fish, and canned fruits and vegetables. CSFP is not available in every state.

The Emergency Food Assistance Program (TEFAP)

TEFAP is a federal program that provides nutritious food to low-income individuals at no cost. The U.S. Department of Agriculture buys food and then ships it to the states. States distribute the food to local organizations, usually food banks, which distribute the food to soup kitchens and food pantries. Eligibility criteria differ among the states.

Low income benefits


Low Income Health Care Card – Australian Government Department of Human Services, low income benefits.#Low

by ,

Low Income Health Care Card

Low income benefits

A concession card to get cheaper health care and some discounts if you’re on a low income.

Eligibility basics

  • under the income test limits
  • meet residence rules

Eligibility payment rates

Who can get a card

You may be able to get a Low Income Health Care Card if your income is below the limit in the income test.

Income test

To get a Low Income Health Care Card your income must be under the limit.

Residence rules

On the day you apply for a Low Income Health Care Card you must be in Australia.

Benefits

You and your dependent child can get benefits if you have a Low Income Health Care Card.

Non-income tested card

If your payment was cancelled on 1 January 2017 because of the changes to the pension assets test, you’re eligible for one or more health cards.

Claiming

Check if you re eligible before you start your claim.

  • find out what you need before you start your claim
  • fill in your claim
  • submit your claim and any documents we ask for
  • wait for us to assess your claim and tell you the result

Managing

Renewing a card

You need to renew your Low Income Health Care Card.

Digital Wallet

Have your concession or health care card with you everywhere you take your phone.

Try self service

Do your Centrelink, Medicare and Child Support business using self service options, including our Express Plus mobile apps, online accounts and phone self service.

Change of circumstances

You need to tell us if your circumstances change when you hold a Low Income Health Care Card.

Lost or stolen card

Lost or stolen cards can be replaced.

If you travel outside Australia

There are limits on how long your card remains current when you travel outside Australia. You must keep meeting the rules for this card at all times.

Someone to deal with us on your behalf

If you want someone else to deal with us, you can authorise them to enquire, act or get payments for you.

Resources

Other concession and health care cards

Concession and health care cards can help you access cheaper health care services and medicines.

Payment and Service Finder

Find, estimate and compare payments and services you may be eligible for. You can also work out what a change in circumstance might mean for the payments and services you currently get from us.

Manage your money

Low income benefits

We ve got advice and tools to help you with budgeting, borrowing and credit, and managing debt.

Green Army Programme

Provides training and work experience in environment and heritage conservation for young Australians while generating environmental benefits.


These Social Security Income Limits Could Reduce Your Benefits – The Motley Fool #income #from

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#social security income limits

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These Social Security Income Limits Could Reduce Your Benefits

May 15, 2016 at 6:08PM

If you’re working and drawing Social Security, your benefits may be subject to income limitations. For those who won’t reach normal retirement age by the end of 2016, any earnings in excess of $15,720 ($1,130 per month) could reduce your Social Security benefits by $2 for every $1 above this threshold. Beneficiaries who will reach retirement age during 2016 are subject to a higher exemption amount.

Here are the details of the Social Security earnings test, and what it could mean to your monthly benefits as well as your future Social Security income.

Three categories of Social Security beneficiaries

In order to determine the effects of working on Social Security benefits, the Social Security Administration (SSA) separates beneficiaries into three categories.

  • The first category includes people who receive benefits, but will attain their normal retirement age after 2016. In this group, the first $15,720 of earnings are exempt and will have no effect on the ability to collect benefits. Any earnings above this amount will result in a benefit reduction of $1 for every $2 in excess earnings.

  • The second category includes beneficiaries who will attain their normal retirement age during 2016. This group has a higher exemption amount of $41,880, as well as a more favorable reduction formula. Their benefits are reduced by $1 for every $3 in excess earnings. What’s more, only earnings before the month of reaching normal retirement age are counted.

  • The final group includes Social Security recipients who have attained their normal retirement age (66 for those reaching retirement age now). This group is free to work and earn as much as they can without any benefit reduction.

Examples

First, consider a 63-year-old whose calculated Social Security benefit is determined to be $1,000 per month. If this person also receives a salary of $30,000 from working, the excess over the $15,720 threshold, or $14,280 will be counted for benefit reduction purposes. Because of their age, this individual’s benefits will be reduced by $1 for every $2 of excess earnings, so this translates to a $7,140 annual benefit reduction, or $595 per month. Therefore, their $1,000 calculated monthly benefit will be reduced to $405 because of their earnings.

Next, consider a 65-year-old beneficiary who will turn 66 in September, and who receives a $1,500 monthly Social Security benefit. Let’s say that this individual has a job with a $60,000 annual salary — or $5,000 per month. Although this salary is above the $41,880 earnings cap, the only earnings that count are those from January through August, or eight months’ worth. Since this only represents $40,000 of the total salary, there will be no benefit reduction.

You can get it back later

Finally, it’s important to point out that even though the Social Security earnings test can reduce your monthly benefit amount, there’s a positive trade-off later. For every month’s benefits that the SSA withholds, you’re treated as having taken benefits a month later than you actually did.

If your Social Security benefits are withheld because of your earnings, the effect is that your monthly benefit will be permanently increased once you reach normal retirement age and the earnings test no longer applies to you.

In other words, don’t let the fear of losing some of your benefits prevent you from filing for Social Security early if you want to do so. As you can see from the example, you could still potentially receive some Social Security income in the meantime, while boosting your benefits for later on when you’ve reached normal retirement age.

Try any of our Foolish newsletter services free for 30 days. We Fools may not all hold the same opinions, but we all believe that considering a diverse range of insights makes us better investors. The Motley Fool has a disclosure policy .


SOCIAL SECURITY DISABILITY RESOURCE CENTER – HOW TO APPLY AND QUALIFY FOR SSD AND SSI

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Social Security Disability Resource Center

For the sake of clarity, SSDRC.com is not the Social Security Administration, nor is it associated or affiliated with SSA. This site is a personal, private website that is published, edited, and maintained by former disability claims examiner Tim Moore. To learn more about the author, see the “SSDRC authored by” link at the bottom of the left column menu.

The goal of SSDRC.COM, the Social Security Disability Resource Center. is to inform readers about how the Social Security Disability and SSI Disability process works from start to finish. This includes what to expect before, during, and after a disability application has been processed, common mistakes that need to be avoided, and what to do and how to react in specific situations (for example, receiving notices of denial, obtaining the status of the claim at different points, providing needed evidence, and undergoing a disability interview with a Social Security Claims Representative).

The most basic question about disability benefits is.

In explaining how the system works, SSDRC devotes attention to both medical and non-medical eligibility criteria, the Social Security Administration’s definition of disability, and the process that is used to make decisions on initial claims, reconsideration appeals, and hearings that are held by federal administrative law judges. However, the core question most applicants will have is:

How do I prove I am disabled and win disability benefits?

For individuals who have already submitted an application for disability for SSD or SSI benefits, or are merely contemplating filing for disability, learning about how the disability system works can improve the chances of winning benefits. In certain cases, it may help an individual avoid mistakes that cost valuable processing time on a case, and affect eligibility for continuing monthly benefits, back pay benefits and medicare coverage.

SSDRC covers a lot of ground on a wide range of issues, however initial topics that may be useful include the following:


Are Disability Pensions and Benefits Taxable Income? #income #tax #online

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Are Disability Pensions and Benefits Taxable Income?

If you have or expect to receive a disability pension, it’s important to understand how disability benefits are taxed. Most, but not all, disability pensions are taxable.

Employer Disability Pensions

If you retired early on disability, you must include in income any disability pension you receive under a plan that is paid for by your employer. You report your taxable disability payments as wages on line 7 of Form 1040 or Form 1040A until you reach minimum retirement age. Minimum retirement age generally is the age at which you can first receive a pension or annuity if you are not disabled. If you don’t know your plan’s minimum retirement age, check the plan documents or ask your employer.

Beginning on the day after you reach minimum retirement age, payments you receive are taxable as a pension or annuity. Report the payments on lines 16a and 16b of Form 1040 or on lines 12a and 12b of Form 1040A. For more information on pensions and annuities, see IRS Publication 575, Pension and Annuity Income .

Accrued Leave Payments

If you retire on disability, any lump-sum payment you receive for accrued annual leave is a salary payment. The payment is not a disability payment. Include it in your income in the tax year you receive it.

Military and Government Disability Pensions

You do not have to pay income tax on certain military and government disability pensions.

VA Disability Benefits. You need not pay income tax on disability benefits you receive from the Department of Veterans Affairs (VA). Don’t include such payments in your gross income on your tax return. These VA benefits include:

  • education, training, and subsistence allowances
  • disability compensation and pension payments for disabilities paid either to veterans or their families
  • grants for homes designed for wheelchair living
  • grants for motor vehicles for veterans who lost their sight or the use of their limbs
  • veterans’ insurance proceeds and dividends paid either to veterans or their beneficiaries, including the proceeds of a veteran’s endowment policy paid before death
  • interest on insurance dividends left on deposit with the VA
  • benefits under a dependent-care assistance program
  • the death gratuity paid to a survivor of a member of the Armed Forces who died after September 10, 2001, or
  • payments made under the VA’s compensated work therapy program.

Other Nontaxable Disability Payments

Other disability-related payments that are not taxable include:

  • benefit payments from a public welfare fund, such as payments due to blindness
  • workers’ compensation for an occupational sickness or injury if paid under a workers’ compensation act or similar law (usually )
  • compensatory (but not punitive) damages for physical injury or physical sickness
  • dsability benefits under a “no-fault” car insurance policy for loss of income or earning capacity as a result of injuries
  • compensation for permanent loss or loss of use of a part or function of your body, or for your permanent disfigurement.

Tax Credit for the Disabled

You may also be entitled to a tax credit if you were permanently and totally disabled when you retired. For information on this credit, see IRS Publication 524, Credit for the Elderly or the Disabled .

For information on Social Security disability benefits, see Nolo’s article on when SSDI is taxed .


Insurance and Employee Benefits #free #federal #efile

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The descriptions below may help you identify your dental network. If not, log in to MyBenefits to find a dentist.

Dental HMO/Managed Care

  • Available only to employees living in CA, FL, NJ, NY and TX
  • Enrolled members pre-select a primary care dentist for all dental services
  • Federal or State Marketplace customers, please select this network for Dental HMO/Managed Care Plans. Plan names begin with your state abbreviation (Ex: FL Family Basic Plan for Florida)

TRICARE OCONUS Preferred Dentists (TOPDs)

  • Available only to active duty family members and National Guard and Reserve members and their families.
  • TRICARE CONUS, please select the PDP Network

Federal Dental (FEDVIP)

  • Supports the MetLife Federal Dental Plan, a Dental PPO Plan
  • Available only to certain Federal government employees and their dependents
  • Visit any licensed dentist or specialist – however, your out-of-pocket costs are usually lower when you go to a participating dentist

Don’t know your vision plan?

The descriptions below may help you identify your vision network. If not, log in to MyBenefits to find a vision provider.

MetLife Vision PPO

  • An Insured vision prefered provider organizaion (PPO) plan offering in-and out-of-network benefits.

MetLife Discount Vision

  • A discount only program offered only through participating private practice providers.


Disability Benefits Help – Find Out if you Qualify for Benefits #income #forms

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#disability income

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Get Disability Benefits Help!

With the number of applications for Social Security Disability on the rise, it is becoming increasingly difficult for people with disabilities to receive a favorable decision from the SSA regarding their disability claim. With denial rates for the initial application stage climbing to well over 60% in recent years, many applicants find themselves unsure of their options and unprepared to further pursue a claim for the benefits that they rightfully deserve.

To get a free, no obligation consultation about your claim, please fill out our free disability evaluation. You will be contacted by a Social Security attorney or advocate to review your options associated with the disability benefits you may be entitled to.

Social Security Programs

Social Security Disability Insurance (SSDI) and Supplemental Security Income (SSI) are the two largest Federal assistance programs that offer financial support to people with disabilities.

Application Process

You can file your initial claim for disability benefits either online, over the phone or in person at your local Social Security Field Office. Over 60% of initial claims are denied.

Disability Resources

This section contains answers to questions on SSDI and SSI eligibility, as well as the disability application and appeals process .

Disability Zone

Have questions regarding your disability claim answered, keep up to date with current news on Social Security Disability and have a disability attorney or advocate evaluate your case for free.