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hi,
i have a friend that asked me this question and after googleing it, i'm still not able to find the correct answer or a definte answer. his question is this:

He's is self-employed with 3 dependants (2 child plus 1 spouse (not working)
what is the threshold to be considered "low-income"?

he's also in Texas if that matters

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HOW MUCH CAPS DO YOU HAVE TO USE TO BE CONSIDERED "ANNOYINGLY RUDE"

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I presume you are kidding, because for married filing joint taxpayers the stimulus payment only starts phasing out at $1... (more)

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Many university programs offer free or reduced-rate dental clinics for people making roughly TWICE the poverty line show... (more)

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If he isn't sure, then he is probably making too much. Tell him to have a few more kids like that lady from Flint, Michigan.

Anything under $250k and you are low income, anything over $250k, and you are rich. That line of demarcation is completely well reasoned and non negotiable. Consider it part of the change.

dfwrealtor said: hi,
i have a friend that asked me this question and after googleing it, i'm still not able to find the correct answer or a definte answer. his question is this:

He's is self-employed with 3 dependants (2 child plus 1 spouse (not working)
what is the threshold to be considered "low-income"?

he's also in Texas if that matters
You cant find a definitive answer because there isnt one. It all depends on the context you are applying it to. Even "low income" for welfare purposes will vary from program to program, locality to locality. Heck, even what is considered "income" when defining "low income" will vary.

MikeR397 said: Anything under $250k and you are low income, anything over $250k, and you are rich. That line of demarcation is completely well reasoned and non negotiable. Consider it part of the change.

Look, you can dislike Obama. You can disagree with his policies. But please, stop with the semi-ignorant, brain dead, troll fodder.

You can use the IRS tax bracket to find a good line. If you're in the lowest tax brackets you can be considered low income. It doesn't necessarily mean you are however. For example, many of the very rich earn their primary income through non-taxable and long-term capital gains. This usually puts them in a low tax bracket, even though they make buku bucks (hence, Warren Buffett's comment that his secretary pays more in taxes than he does, percentage wise).

~X~

It depends on what context you are asking the question. Most income eligible programs are based on the poverty thresholds published by the US census bureau. For example, a program might provide monetary assistance to a household that is up to 150% of the poverty line defined by the census bureau. Take a look at this explanation for a good starting point and the poverty line definitions for 2007:
http://www.irp.wisc.edu/faqs/faq1.htm

Xyrus2 said: ...If you're in the lowest tax brackets you can be considered low income. It doesn't necessarily mean you are however...
~X~


It means your approach will not work.

2007 Federal Poverty Guidelines

Family Size - Annual Income - Monthly - Hourly
1 - $10,210 - $0,850 - $04.90
2 - $13,690 - $1,140 - $06.58
3 - $17,170 - $1,430 - $08.25
4 - $20,650 - $1,720 - $09.92
5 - $24,130 - $2,010 - $11.60
6 - $27,610 - $2,300 - $13.27

For each additional person, add $3,480

The below table is only a partial answer, because many programs operate at levels both above and below these guidelines:

Food assistance (food pantries) frequently function at 250% of FPL (federal poverty level)
Utility Assistance (HEAP) is about 150%
WIC is 150%

You get the point.

NOW, if you live in Arkansas | Florida | Kansas | Mississippi | Ohio | Pennsylvania , and you want to find out if you qualify for any programs, you can try www.thebenefitbank.com






DRJ555 said: 2007 Federal Poverty Guidelines

Family Size - Annual Income - Monthly - Hourly
1 - $10,210 - $0,850 - $04.90
2 - $13,690 - $1,140 - $06.58
3 - $17,170 - $1,430 - $08.25
4 - $20,650 - $1,720 - $09.92
5 - $24,130 - $2,010 - $11.60
6 - $27,610 - $2,300 - $13.27

For each additional person, add $3,480

thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?

The below table is only a partial answer, because many programs operate at levels both above and below these guidelines:

Food assistance (food pantries) frequently function at 250% of FPL (federal poverty level)
Utility Assistance (HEAP) is about 150%
WIC is 150%

You get the point.

NOW, if you live in Arkansas | Florida | Kansas | Mississippi | Ohio | Pennsylvania , and you want to find out if you qualify for any programs, you can try www.thebenefitbank.com






DRJ555 said: 2007 Federal Poverty Guidelines

Family Size - Annual Income - Monthly - Hourly
1 - $10,210 - $0,850 - $04.90
2 - $13,690 - $1,140 - $06.58
3 - $17,170 - $1,430 - $08.25
4 - $20,650 - $1,720 - $09.92
5 - $24,130 - $2,010 - $11.60
6 - $27,610 - $2,300 - $13.27

For each additional person, add $3,480

No on Food stamps, yes on energy programs, partial yes on Medical Insurance (maybe only the kids).

Also, It can be a PITA to prove need when self employed....takes much perseverence.


dfwrealtor said: thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?

dfwrealtor said: thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?


http://aspe.hhs.gov/poverty/08Poverty.shtml

Those numbers are pretty low, but most programs set their eligibility based on some multiplier times the poverty level.

For instance, some hospitals have special payment programs for people whose income is less 350% of poverty level. So just being above poverty level does not necessarily mean that you are high and dry.

OLEOLEOLEO said: dfwrealtor said: thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?


http://aspe.hhs.gov/poverty/08Poverty.shtml

Those numbers are pretty low, but most programs set their eligibility based on some multiplier times the poverty level.

For instance, some hospitals have special payment programs for people whose income is less 350% of poverty level. So just being above poverty level does not necessarily mean that you are high and dry.


what is meant by 350% of poverty level? can you give me an example of that
thanks

If one kid is in college, I'm guessing the other isn't too far behind. What's keeping the wife at home twiddling her thumbs?

dfwrealtor said: OLEOLEOLEO said: dfwrealtor said: thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?


http://aspe.hhs.gov/poverty/08Poverty.shtml

Those numbers are pretty low, but most programs set their eligibility based on some multiplier times the poverty level.

For instance, some hospitals have special payment programs for people whose income is less 350% of poverty level. So just being above poverty level does not necessarily mean that you are high and dry.


what is meant by 350% of poverty level? can you give me an example of that
thanks


I REALLY hope that you aren't a realtor.

the other kid is 2 years old

dfwrealtor said: so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?"Federal Poverty Guidelines" is not a synonym for "Low Income".

is there any kind of health insurance program he can get from the state for himself and his wife, their 2 year old already gets assistance from childrens health insurance program, but the couple doesn't have insurance for themselves...
any help with this would be greatly appreciated.

I do a lot of work involving development that requires set-asides for low-to-moderate-income households... and the charts everyone uses are on the H.U.D. website... very good charts.

dfwrealtor said: OLEOLEOLEO said: dfwrealtor said: thanks for the replies,
his net income is about $27,000 a year, and has a 2 kids (one of them is in college) his wife, and himself.

so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?


http://aspe.hhs.gov/poverty/08Poverty.shtml

Those numbers are pretty low, but most programs set their eligibility based on some multiplier times the poverty level.

For instance, some hospitals have special payment programs for people whose income is less 350% of poverty level. So just being above poverty level does not necessarily mean that you are high and dry.


what is meant by 350% of poverty level? can you give me an example of that
thanks


you probably qualify.

Glitch99 said: dfwrealtor said: so according to user's DRJ555 post, he doesn't fall in the "low income" bracket?"Federal Poverty Guidelines" is not a synonym for "Low Income".

Ok yeah I don't have much experience with this generally, but in the area I am familiar with (health care), hospitals do frequently use the federal HHS poverty guidelines as a benchmark.


dfwrealtor said: what is meant by 350% of poverty level? can you give me an example of that

As in, someone whose income is less than 3.5 multiplied by the poverty level income. I.e. the poverty level for a single person is about $10,000, so someone making less than $35,000 would qualify for this type of assistance.


dfwrealtor said: is there any kind of health insurance program he can get from the state for himself and his wife, their 2 year old already gets assistance from childrens health insurance program, but the couple doesn't have insurance for themselves...
any help with this would be greatly appreciated.


This mainly depends on which state and sometimes on the specific locality. Unless it's New Jersey I don't know many particulars. The state's website should have answers and sometimes local libraries can tell people where to start looking.

dfwrealtor said: is there any kind of health insurance program he can get from the state for himself and his wife, their 2 year old already gets assistance from childrens health insurance program, but the couple doesn't have insurance for themselves...
any help with this would be greatly appreciated.


LOW-INCOME
Medicaid coverage is available to low-income families with children, pregnant women, the medically needy, the elderly, and persons with disabilities. For more information on Medicaid in Texas, call the Texas Dept Health (800) 252-6263.

Low-income children are also eligible for Children’s Health Insurance Program (CHIP), which offers medical services for free or subsidized fees. More information is available by visiting their website or by calling (800) 647-6558.

The state also offers Texas Breast and Cervical Cancer Control Program for women needing screening tests. For more information, see their website or (512) 458-7796.

DISABLED
Texas Health Insurance Risk Pool is for those who are unable to obtain healthcare coverage or who lose employer-sponsored coverage. This high-risk insurance does not cover pre-existing conditions for a year, requires a $75 deductible for emergency room visits, and has a $100 deductible for prescription medications. The Medical Resource Guide estimates that a 35-year-old man eligible for the program pays $324 to $458 a month, while a 35-year-old woman pays $419 to $591 a month for coverage. For more information, call (888) 398-3927 or (800) 735-2989.

2 kids = $24000 of government spending per year
Add a spouse $7000 per year
Himself $7000 per year.

IMO, a family of 4 making less than $100k per year is low income.

Government spends nearly $40k on his household. Does he pay $40k in taxes (including sales tax, property tax, income tax)? If not, then he is definately low income. Soon enough, the government will be spending $60k per year per household.

If you got a stimulus check you are low income

HUD defines low income as someone(family) making below 60% OF area median income and above 50% AMI. you can check your area's

anything below 50% ami is considered VERY LOW INCOME


AMI by family size on HUDusers.com. or you can google "novagradic income calulator.

Xyrus2 said: MikeR397 said: Anything under $250k and you are low income, anything over $250k, and you are rich. That line of demarcation is completely well reasoned and non negotiable. Consider it part of the change.

Look, you can dislike Obama. You can disagree with his policies. But please, stop with the semi-ignorant, brain dead, troll fodder.

You can use the IRS tax bracket to find a good line. If you're in the lowest tax brackets you can be considered low income. It doesn't necessarily mean you are however. For example, many of the very rich earn their primary income through non-taxable and long-term capital gains. This usually puts them in a low tax bracket, even though they make buku bucks (hence, Warren Buffett's comment that his secretary pays more in taxes than he does, percentage wise).

~X~
I don't agree with that assessment. Nearly 33% of the employed in the US do not pay any taxes; at all. Furthermore, the lower 50% of the employed pay less than 5% of the total tax burden - by your lowest tax bracket rule, about half of the US employed would be considered low income.

gl012127 said: HUD defines low income as someone(family) making below 60% OF area median income and above 50% AMI. you can check your area's

anything below 50% ami is considered VERY LOW INCOME


AMI by family size on HUDusers.com. or you can google "novagradic income calulator.


Exactly right. First you need to find the median family income for the MSA (Metropolitan Statistical Area). BTW 60-80% is considered Low/Moderate. Many low income housing developments also have a strata of residences available for the Low/Moderate families, for example.

What percentage of Americans do the most whining about taxes?

try to contact your county human resource center they are happy to help with any of these questions it depends what kind of help he is looking for

HOW MUCH CAPS DO YOU HAVE TO USE TO BE CONSIDERED "ANNOYINGLY RUDE"

scott1961 said: If you got a stimulus check you are low income

I presume you are kidding, because for married filing joint taxpayers the stimulus payment only starts phasing out at $150,000.

DRJ555 said: 2007 Federal Poverty Guidelines

Family Size - Annual Income - Monthly - Hourly
1 - $10,210 - $0,850 - $04.90
2 - $13,690 - $1,140 - $06.58
3 - $17,170 - $1,430 - $08.25
4 - $20,650 - $1,720 - $09.92
5 - $24,130 - $2,010 - $11.60
6 - $27,610 - $2,300 - $13.27

For each additional person, add $3,480


Many university programs offer free or reduced-rate dental clinics for people making roughly TWICE the poverty line shown in this table. So $20,400 for 1 person, etc.

People -- that's about 50% of the population which qualifies for free or inexpensive dental care.



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