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MISSISSIPPI DIVISION OF MEDICAID Eligibility Policy and Procedures Manual CHAPTER 200A – Income: ABD Categories Page |117 Effective Month: July 2025 • 300% of the SSI FBR is the formula required by federal regulation, 42 CFR 435.1005, to set the institutional need standard for all long-term care coverage groups. This limit is subject to increase in January of each year when SSI FBRs increase. Countable income cannot be equal to or exceed the institutional limit for Medicaid eligibility. If income equals or exceeds the limit, ineligibility exists for that month unless an Income Trust is in effect. 200A.11.03 INCOME BREAK-EVEN POINTS An income break-even point is the earned or unearned income amount an individual can have so that countable income equals the applicable FPR or FPL. Medicaid eligibility does not exist at or above that break-even point. Break-even points for SSI FBR cases: • 2 times FBR + $85 = monthly earned income break-even point • FBR + $20 = monthly unearned income break-even point Break-even points for FPL cases: • 2 times FPL + $115 = monthly earned income break-even point effective July 1, 1999 • 2 times FPL + $85 = monthly earned income break-even point prior to July 1, 1999 • FPL + $50 = monthly unearned income break-even point effective July 1, 1999 • FPL + $20 = monthly unearned income break-even point prior to July 1, 1999 For institutional cases, total income, whether earned or unearned, cannot equal or exceed the institutional limit. 200A.11.04 DEEMED INCOME The term “deeming” identifies the process of considering another person’s income and resources to be available for meeting a Medicaid client’s basic needs. Deemed income and resources are attributed to an eligible individual whether or not they are actually made available, with the following restrictions: • Deeming only applies in household situations. • Income is only deemed from an ineligible spouse to an eligible spouse and from ineligible parent(s) to eligible child.