Senior Citizen And Ssi Exemption Application Form: Fill & Download for Free

Yes, depending. There are tons of benefits depending on qualification. Free college is available in various states. And no, it’s not fair, but then it never is.In California, under the OLD Law, almost everyone could qualify if in need. Under the 1996 law, there are now two classes of residents: qualified and not qualified.U.S. Citizens and Lawful Permanent Residents are qualifiedPRUCOL (Permanently Residing Under Color of Law) -- still relevant in CaliforniaUndocumented not qualified.1996 Federal Welfare LawCitizens“Qualified” Immigrantsentering US before Aug. 22, 1996entering US on or after Aug. 22, 1996“Not Qualified” Immigrants. The 1996 welfare law created two categories of immigrants for benefits eligibility purposes: “qualified” and “not qualified.” Contrary to what these names suggest, the law excluded most people in both groups from eligibility for many benefits, with a few exceptions. The “qualified” immigrant category includes:lawful permanent residents, or LPRs (people with green cards)refugees, people granted asylum or withholding of deportation/removal, and conditional entrantspeople granted parole by the U.S. Department of Homeland Security (DHS) for a period of at least one yearCuban and Haitian entrantscertain abused immigrants, their children, and/or their parentscertain survivors of trafficking. Victim of Severe Form of TraffickingIf 18 or over, must be certified by HHSChildren under 18 need HHS “eligibility letter”Technically, not “qualified” but...Treated like refugees, and eligible for all benefits that are:administered by federal agency orfunded with federal fundsDerivative beneficiaries of T- visas also eligible for federal benefitsAll other immigrants, including undocumented immigrants, as well as many people who are lawfully present in the U.S., are considered “not qualified.”with pending or approvedVisa petition filed by US Citizen or LPR spouse/parentSelf-petition under VAWAApplication for cancellation of removal/ suspension of deportation under VAWAincludes parent of battered child and child of battered spouseFederal“Public Benefits” barredState or Local“Public Benefits” Barredunless state passes new lawNot Qualified Immigrants: Federal Program BarBar on Federal “Public Benefits”“Public Benefits” to be defined by agencies (only HHS, FEMA and a few others have done so)Examples of “public benefit” in lawGrants, Contracts, Loans, Professional or Commercial Licenses provided by governmentRetirement, Welfare, Health & Disability, Housing, Post-Secondary Education, Food Assistance, Unemployment Benefit, FEMA, ORany “similar benefit” ANDAssistance provided to individual, household, or family unit, by an agency/funds of federal governmentExamples of HHSFederal Public BenefitsAdoption AssistanceChild Care and Development FundFoster CareIndependent LivingLow Income Home Energy Assistance Program (LIHEAP)(weatherization for single unit buildings)MedicareMedicaid (except emergency medical)Mental Health Clinical Training GrantsRefugee benefits (Cash, Medical, Social Services)Social Services Block Grant (SSBG)State Children’s Health Insurance Program (SCHIP)Temporary Assistance for Needy FamiliesPrograms Exempt fromFederal BarEmergency Medicaid and other emergency medical servicesImmunizations, testing and treatment for symptoms of communicable diseases (outside of Medicaid)Short-term non-cash disaster reliefCertain housing assistance if receiving on 8/22/96School Lunch and School BreakfastState Option to Provide WICAND programs1. delivered at the community level, that...2. do not condition assistance on income or resources3. are necessary to protect life or safetyAG’s List of Programs“Necessary to Protect Life or Safety”Child protection & adult protective servicesViolence and abuse prevention, including domestic violenceMental illness or substance abuse treatmentShort-term shelter or housing assistancePrograms during adverse weather conditionsSoup kitchens, food banks,senior nutrition programsMedical & public health services & mental health, disability,Substance abuse servicesnecessary to protect life or safetyPrograms to protect life & safety of workers, children & youth, or community residentsOther services necessary for the protection of life or safetyNon-Profit AgenciesNon-profit charitable organizations are not required to determine, verify or otherwise ask for proof of an immigrant’s statusapplies to immigrant restrictions in the 1996 welfare and immigration laws)Non-profits can create a safe environment for immigrants and their family members who are seeking servicesCA Programs Available Regardless of StatusEmergency Medi-CalPrenatal Care (including basic dental)Access for Infants and Mothers (AIM)Long-term careEarly Breast Cancer Detection and Breast and Cervical Cancer TreatmentCalifornia Children’s Services (CCS)Healthy Kids (Children’s Health Initiatives)Family PACT and other family planning servicesCommunity clinicsChild Health and Disability Prevention Program (CHDP) and CHDP “Gateway”Minor consent servicesMental health servicesRegional Center ServicesWomen Infants and Children (WIC)School lunch and breakfastOther state and local programsSSI EligibilityPersons receiving SSI on August 22, 1996, or application pending on that dateQualified immigrants who are blind or have disabilities, and were lawfully present in the U.S. on 8/22/96LPRs with 40 quarters of work history. Post 8/22/96 entrants must wait until in qualified status for five years.Refugees, asylees, granted withholding of deportation/removal, Cuban/Haitian entrants, Amerasian immigrants, trafficking victims, during first 7 years after obtaining statusVeterans, active duty military, and their spouses, surviving spouses, and childrenMembers of federally recognized Indian tribes or American Indians born in CanadaImmigrant Eligibility for Major California ProgramsFull-Scope Medi-Cal Qualified immigrants &PRUCOLHealthy Families Qualified immigrants, trafficking victims, U visa applicantsCalWORKsQualified immigrants& PRUCOLFood Stamps/California Food Assistance Program (CFAP)Qualified immigrants, trafficking victims, U visa applicants. Deeming rules apply.SSI/Cash Assistance Program for Immigrants (CAPI) and IHSSQualified Immigrants and PRUCOLs. Deeming rules apply.Victims of Trafficking and other Serious Crimes in CA:Trafficking Victims can get state and local benefits before certified for federal benefits12 months - extended if T visa application or continued presence request filedU Visa Applicants can get state and local benefits (no time limit)Continues unless U visa finally deniedNew state RMA, RCA and RSS programs for both groupsSUMMATION: WE ARE A GENEROUS COUNTRY INDEED.

There are a number of options available when you are looking for saving schemes in India. Many are backed by the Government of India, while RBI and SEBI regulate the others. Alongside, a number of these schemes provide some kind of income tax exemptions/deductions. Here is a list of such saving schemes:Equity-Linked Savings Scheme (ELSS):ELSS, also known as tax saving funds, are a form of mutual funds. ELSS investments get tax deductions up to Rs.1.5 lakh under Section 80C. The investment has a compulsory lock-in period of three years. The returns on the redemption of the investments are taxable as capital gains. The gains enjoy an exemption of up to Rs.1 lakh. Beyond this amount, they are taxable at 10%.ELSS savings have exposure to the equity market with underlying investments in a mix of debt and equity. The equity component offers higher returns and debt provides a cushion against volatility. The scheme offers higher returns over the long term, above five years. A SIP (systematic investment) provides stability of investment and fetches higher returns. The minimum investment starts at Rs.500.Fixed Deposits (FD):Fixed deposit accounts are considered to be hassle-free and the safest investment option in the market. You deposit any amount that is convenient for you, for a specified period that earns interest as per the rate prevailing on the date of deposit.The scheme offers flexibility in terms of tenure and the frequency of interest payout. The interest offered on an FD account is much higher than the one offered on a bank savings account.If you need the money before the maturity date, you can choose to break the FD or even take an overdraft loan on the FD. You also have the option to reinvest the interest to earn a higher lump sum at the end of the tenure. The interest is taxable and can be subject to TDS for payments exceeding Rs.40,000.Public Provident Funds (PPF):PPF is a government-backed long-term tax-free savings scheme. The money deposited with your PPF account will get tax deduction under Section 80C of the Income Tax Act. The interest earned from such savings is also tax-exempt.You can open a PPF account at the nearest bank or post office. The money will be locked in for 15 years and can be extended in blocks of five years after the completion of the lock-in period. Returns will be calculated based on compound interest at the rate of 7.1% p.a. A minimum annual investment of Rs.500 can be made. You can invest up to Rs.1.5 lakh per annum.National Savings Certificate (NSC):National Savings Certificate, another government-backed saving scheme, provides guaranteed returns along with a tax saving option. You can invest in an NSC at the nearest post office. The lock-in period for the scheme is five years.The government reviews the interest rate of the scheme once every quarter and takes a call on it. However, the interest rate will not change during the tenure after you purchase the certificate. Tax deductions can be claimed on the investment up to Rs.1.5 lakh under Section 80C.Currently, the interest rate of 6.8% p.a. is applicable. The interest will be annually compounded and paid only on maturity. Upon maturity, the interest accrued is taxable and must be added to the total annual income. The interest reinvested and compounded is eligible for tax deduction under Section 80C.Post Office Monthly Income Scheme:Post Office Monthly Income Scheme is similar to a regular savings bank account. Individual account holders can invest from a minimum of Rs.1,500 up to Rs.4.5 lakh in the scheme. The account holder will be able to get a fixed monthly income in the form of interest credited to the savings account with the same post office. The current interest rate is 6.6%.The scheme is open only for resident Indian citizens. In case of joint account holders, two or three individuals can invest jointly up to a maximum Rs.9 lakh in the scheme. The investments and interest earned are not eligible for any tax deduction or exemption.Senior Citizens Savings Scheme (SCSS):SCSS is designed for senior citizens who want to park their retirement funds. Individuals aged between 55 years and 60 years with early retirement can also opt for the scheme within one month from the receipt of their retirement benefits. SCSS allows only one deposit. The minimum investment is Rs.1,000, and the maximum is Rs.15 lakh.The tenure of the scheme is five years and can be optionally extended for another three years. It comes with an interest rate of 7.4% per annum. The interest is credited quarterly in a savings account maintained with the same post office. The investment in SCSS qualifies for deduction under Section 80C up to a maximum of Rs.1.5 lakh. The interest earned annually is taxable. But, the senior citizens can claim a deduction of up to Rs.50,000 under Section 80TTB.Kisan Vikas Patra (KVP):You can invest in Kisan Vikas Patra, a fixed-rate small savings scheme, by approaching your nearest post office. The investment has a tenure of 113 months at an interest rate of 6.9%. Your money stands doubled at the end of the tenure of nine years and five months (113 months). The scheme encourages long-term investments and suits risk-averse investors who have excess money.The minimum investment is Rs.1,000 with no upper limit on investments. KVP offers guaranteed returns and comes with a premature encashment option after completing two and a half years. There is a possibility of changes in the maturity period based on interest rate variation. However, the maturity value will be printed on your certificate. The investment and interest earned are not eligible for a tax deduction or an exemption.You can use the certificate as a collateral to get loans from banks.Sukanya Samruddhi Yojana (SSY):The SSY scheme was launched by the Prime Minister Narendra Modi aiming at securing a girl child’s future. This government-backed scheme can be opened by the parents of a girl child aged below 10 years. Parents are required to contribute for 15 years. Individuals can get a tax deduction of up to Rs.1.5 lakh per year under Section 80C.A maximum of two such accounts can be opened per household, one for each girl child. In the case of more than two girl children in a household, the rest of the girl children cannot avail the benefits of the account.Individuals can invest a minimum of Rs.250 and up to a maximum of Rs.1.5 lakh per annum. The present rate of interest is 7.6% p.a. The tenure of the account is 21 years from the date of opening or until the girl child gets married after the age of 18 years. The scheme allows for a partial withdrawal of up to 50% of the balance after attaining 18 years, for meeting expenses of higher education.Atal Pension Yojana (APY):The APY scheme is named after the former Prime Minister of India, Mr Atal Bihari Vajpayee. It mainly targets the welfare of the weaker section of the society, especially those from the unorganised sectors and includes a very low premium.Individuals within the age group of 18-40 years are eligible to apply for the scheme. The premium must be paid for a minimum of 20 years.Unlike other schemes, you have to target a monthly pension you want to receive to figure out the monthly contribution you need to make. The contribution also depends on the age at which you are starting the contribution. The monthly minimum pension you can get is Rs.1,000, and the maximum is Rs.5,000, upon attaining the age of 60.The government will make a co-contribution of 50% of your annual contribution or Rs.1,000 per annum, whichever is lower. Such co-contribution will be made for five years if you have subscribed for the scheme between 1 June 2015 and 31 December 2015 to get this benefit. You will be eligible for a government contribution if you do not have any other statutory saving schemes and if you are not an income taxpayer.National Pension System (NPS):National Pension System is an initiative by the Central Government and makes a reliable source of income after retirement. The scheme is open for state and central government employees and private employees in organised and unorganised sectors. The scheme is for Indian citizens in the age group of 18 years to 60 years.The amount of contribution is made from the employee’s monthly salary, and an equal amount will be contributed by the employers (including government employees). The contribution is 14% in the case of government employees, and 10% in case of any other employees. In the case of other eligible salaried employees, NPS serves similar to any other long-term pension schemes.The employer’s and employee’s contribution is eligible for tax deduction under Section 80C up to a limit of Rs.1.5 lakh. Individuals can make a self contribution and claim an additional deduction of Rs.50,000. Upon retirement, the account holders can withdraw up to 60% of the corpus tax-free. The balance 40% is used to buy an annuity plan to receive a monthly pension after retirement.Calculate monthly Pension & Tax Benefits through Cleartax NPS CalculatorEmployees Provident Fund (EPF):Employee Provident Fund (EPF) is a savings scheme operated under the EPFO guidelines. An employer and employee covered under EPF have to mandatorily contribute to a Provident Fund (PF) account in the name of the employee. EPF offers long-term retirement planning for the working class. The account is transferable from one employer to another. The account can be maintained until retirement.The employer and employee contribute 12% of the monthly salary into the provident fund account. The account if eligible for interest on the accumulated balances. The interest rate for FY 2019-20 is 8.5% p.a. The account also offers financial security for the account holders in case of emergencies. The employees’ contribution is eligible for deduction under Section 80C.Voluntary Provident Fund (VPF):Salaried individuals can opt for an additional contribution of up to 100% of their basic salary and dearness allowance over and above the 12% contribution done to the Employee Provident Fund (EPF). An interest rate of 8.5% can be accrued on the accumulated funds. You must know that the employer will not make any contribution when you opt for VPF.Pradhan Mantri Jan Dhan Yojana:Pradhan Mantri Jan Dhan Yojana is a savings scheme that is tailor-made for citizens who are below the poverty line. The account holders can make use of the scheme for reinvestments.The scheme is convenient for this class of people as they do not have to maintain a minimum balance in their accounts. They will receive additional accidental insurance cover of Rs.1 lakh and a life cover of Rs.30,000 that is payable on the death of the beneficiary.The government has made this scheme more user-friendly with the mobile banking facility. In addition to the other benefits, account holders can also avail interest on their deposits. The account holders will also be eligible for an overdraft facility of up to Rs.5,000 applicable to one account per household.Deposit Scheme for Retiring Government Employees:This saving scheme is limited to the retiring public sector employees. You must open an account with any bank or post office within three months from the receipt of your retirement benefits. The interest will be paid out on a half-yearly basis, on 30 June and 31 December.You can make withdrawals from the account after completing one year. You can make a maximum of one withdrawal in a calendar year and must be in multiples of Rs.1,000. An interest rate of 7% p.a. will be applicable from the date of deposit. The interest is eligible for tax exemption under section 10(15)(iv)(i).

The Medicaid program provides comprehensive medical coverage to seniors (age 65+) and people with permanent disabilities. People receiving SSI benefits automatically receive Medical Assistance. Seniors and people with disabilities who are receiving Social Security Retirement or Disability benefits (or have other income) and have income/resources that exceed the SSI limits may still be eligible for medical assistance. In addition, people with disabilities who are waiting for a decision on eligibility for SSI or Social Security Disability Insurance benefits may be eligible for Medical Assistance.Who Qualifies?65 and older.People who have a severe physical and/or mental disability that has lasted or will last longer than one year or will result in death and prevents any substantially gainful employment.Must be a citizen or eligible immigrant. Eligible immigrants include refugees or persons granted asylum. Lawful Permanent Residents who entered the U.S. before 8/22/96 or if entered on/after 8/22/96 must be in status for at least 5 years. In addition, immigrants who were in lawful status in the U.S. before 8/22/96 and lived in RI at some time before 7/1/97 may be eligible for coverage.Income and Resource LimitsThere are two programs within the Medical Assistance Program that provide coverage for seniors and people with disabilities. The first is called “The Low Income Aged/Disabled program.” For this program, the resource limits are $4,000 for an individual and $6,000 for a couple. The home in which the individual lives and a car used to get medical treatment are not counted. The monthly income limit in 2019 is $1,041 for an individual and $1,409 for a couple.The second program is called “Medically Needy.” The resource limits and exemptions (home, car) are the same as for the Low Income Aged/Disabled program. If the applicant has income above the Low Income Aged/Disabled limit, s/he can become eligible for Medical Assistance coverage for a six month period through the “flex test” by showing medical bills that equal the difference between income and the Medically Needy limit. The monthly Medically Needy limit in 2019 is $917 for an individual and $958 for a couple.How to ApplyYou can apply online at healthyrhode.ri.gov. You can also request a paper application from a DHS office by calling: 1-855-697-4347 or by downloading the form from the EOHHS website at https://tinyurl.com/RI-DHS-2-2018For seniors, a decision is made within 30 days of the date of the application. People with disabilities (who are not receiving Social Security Disabilities Benefits) need to submit medical information from their doctor. A decision on the application is made within 90 days of the date of application.Re-certification: Renewal of eligibility for Medical Assistance is required every 12 months.Applicants denied Medical Assistance coverage and recipients who are notified that benefits will be terminated can request a hearing within 30 days of the date of the notice. If a hearing is requested within 15 days of the notice of benefit termination or reduction, benefits can continue until a hearing decision is reached.RI Legal Services(1-800-662-5034) or the Disability Law Center (401-831-3150) may provide assistance to families who are denied benefits, receive notice of termination or have other problems with Medical Assistance coverage. You can also contact reach for assistance (401-270-0101).