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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 2026.
The customer receives a monthly income of $1,600.00 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: $1,600.00 (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) = $1,600.00 (subtotal) - $20.00 (general income deduction) = $1,580.00 (subtotal) + $0.00 income based on need (not applicable) = $1,580.00 (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: $1,580.00 (net unearned income from Step 1 above) + $0.00 (net earned income from Step 2 above) = $1,580.00 (subtotal of net income) - $0.00 child allocation (not applicable) = $1,580.00 (total net income) 4 Compare the result in Step 3 above to $1,491.00 (100% of the FBR for a couple for 2026): Because $1,580.00 is greater than $1,491.00,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: $1,580.00 (total net income for FBR test) + $0.00 (1/2 subtotal of earned income) = $1,580.00 (total net income) 6 Compare the result in Step 5 above to $1,804.00 (100% of the FPL for a couple): Because $1,580.00 is less than $1,804.00, the customer is eligible for SSI-MAO using the FPL standard for a couple.