B Calculation for Customer and Spouse Examples

Programs	Manual Section
SSI MAO	MA611

Examples

1) Eligible under the 100% FBR Standard Example

The customer is 70 years old, and lives with his spouse, who is 45 years old. Their 10-year-old daughter lives with them. The customer applies for AHCCCS Medical Assistance for himself in January 2025.

The customer receives a monthly income of $900.00 for Social Security retirement. His spouse works part time and received $1,000.00 in January 2025. Their daughter does not have any income.

The customer’s eligibility is calculated as follows:

Step	Action
1	Calculate net unearned income: $900.00 (total of the customer’s and the spouse’s total countable unearned income that is not needs based) -$0.00 1/3 child support deduction (not applicable) =$900.00 subtotal -$20.00 (general income deduction) =$880.00 subtotal +$0.00 income based on need (not applicable) =$880.00 net unearned income
2	Calculate net earned income: $1,000.00 (total of the customer’s and the spouse’s counted earned income) -$0.00 (unused portion of the $20.00 general income deduction) -$65.00 (standard work expense deduction) -$0.00 (IRWE deduction) =$935.00 (subtotal of earned income) -$467.50 (one-half subtotal of earned income) -$0.00 (blind work expense deduction) =$467.50 (net earned income)
3	Calculate total net income: $880.00 (net unearned income from Step 1 above) +$467.50 (net earned income from Step 2 above) =$1347.50 (subtotal of net income) - $483.00 (child allocation) =$864.50 (total net income)
4	Compare the result in Step 3 above to $1,450.00 (100% of the FBR for a couple for 2025): Because $875.50 is less than $1,450.00, the customer is income eligible for SSI-MAO using the 100% FBR standard.

2) Eligible Using FPL Standard Example

The customer, a 70-year-old man, lives with his 50-year-old wife. The customer applies for AHCCCS Medical Assistance for himself in February 2025.

The customer receives a monthly income of $1,500.00 for Social Security retirement. His spouse has no income.

The customer’s eligibility is calculated using the net income test as follows:

Step	Action
1	Calculate net unearned income: $1,500.00 (total of the customer’s and spouse's total countable unearned income that is not needs based) -$0.00 1/3 child support deduction (not applicable) =$1,500.00 (subtotal) -$20.00 (general income deduction) =$1,480.00 (subtotal) +$0.00 income based on need (not applicable) =$1,480.00 (net unearned income)
2	Calculate net earned income: $0.00 (total of the customer’s and the spouse’s counted earned income) -$0.00 (unused portion of the $20.00 general income deduction) -$65.00 (standard work expense deduction) -$0.00 (IRWE deduction) =$0.00 (subtotal of earned income) -$0.00 (one-half subtotal of earned income) -$0.00 (blind work expense deduction) =-$0.00 (net earned income)
3	Calculate total net income: $1,480.00 (net unearned income from Step 1 above) +$0.00 (net earned income from Step 2 above) =$1,480.00 (subtotal of net income) - $0.00 child allocation (not applicable) =$1,480.00 (total net income)
4	Compare the result in Step 3 above to $1,450.00 (100% of the FBR for a couple for 2025): Because $1,480.00 is greater than $1,450.00,the customer is ineligible using the 100% FBR standard. Continue to Step 5 to determine SSI Non-Cash eligibility using the 100% FPL standard.
5	Take the total net income result from Step 3 and add the one-half subtotal of earned income from Step 2 above: $1,480.00 (total net income for FBR test) + $0.00 (1/2 subtotal of earned income) =$1,480.00 (total net income)
6	Compare the result in Step 5 above to $1,763.00 (100% of the FPL for a couple): Because $1,480.00 is less than $1,763.00, the customer is eligible for SSI-MAO using the FPL standard for a couple.