1) Community Spouse Monthly Income Allowance (CSMIA)

The customer applies in July 2026. The customer's spouse lives at home. The spouse has the following counted monthly income and expenses:

$1,200.00 – Pension benefit

$400.00 – Mortgage (includes property taxes)

$130.00 – Condominium maintenance fee (includes $15 utility charge)

$70.00 – Homeowner’s insurance

The spouse’s CSMIA calculation is shown in the following table:

Step Action 1 Calculate the total excess shelter costs: $600.00 Spouse’s shelter costs ($400.00 + $130.00 + $70.00) + $314.00 Utility allowance ($329 SUA - $15 maintenance fee utility charge) $914.00 Total excess shelter costs 2 Calculate the Excess Shelter Allowance: $914.00 Total excess shelter costs - $812.00 30% of the Monthly Spousal Need Standard $102.00 Excess Shelter Allowance 3 Calculate the Minimum Monthly Maintenance Needs Allowance: $102.00 Excess Shelter Allowance + $2,705.00 Monthly Spousal Need Standard $2,807.00 Minimum Monthly Maintenance Needs Allowance (MMMNA). 4 $2,807.00 (MMMNA from Step 3) is less than $3,853.50 ( Maximum Monthly Maintenance Needs Standard) 5 Calculate the CSMIA: $2,807.00 MMMNA from Step 3 - $1200.00 spouse’s counted monthly income $1,607.00 is the CSMIA.