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1189 (07/2026) Chapter 8: Examples • Chapter 8: Examples REF Example 1: A refugee family of six – Lakshaki and her husband Adeel and their 4 children ages 13, 15, 17 and 21, Maanika – applies for benefits. Forming groups: Lakshaki, Adeel and their three teenagers will form one TANF filing group. Their 21-year-old, Maanika, would form her own REF filing group. If Maanika meets REF eligibility standards, she would have twelve months total REF eligibility. Example 2: A refugee family of five consists of two grandparents, Rada and Radford ages 68 and 72, Gabby her husband Hagan and their 22-year-old daughter, Hania. Forming groups: Rada and Radford will be referred to APD for assistance. Gabby and Hagan will be in one REF filing group and Hania would form her own REF group. Example 3: An Asylee family of 3- Ali, his wife Asha, and their 18-year-old daughter who is enrolled and attending high school. Forming groups: This would not be a REF cash case as the 18-year-old is still in high school. It would be a TANF case. MSP Standard living arrangement Example 1: Couple: One person eligible for QMB Sam and Martha are married and live at home with no services. Sam is 65, receives Social Security and Medicare. Martha is 60 and has a small pension but no Social Security or Medicare. Forming groups: Both Sam and Martha are in the household group. Count both Martha and Sam’s income (both in Financial group) and use the two-person need standard (both are in the Need group). Sam is the only one in the benefit group because he is the only one who receives Medicare (a non-financial requirement). Non-standard living arrangement Example 2: Couple: One person receiving in-home services and the other receives no services Joe and Kelly are married and live at home. Joe is 65, receives Social Security and Medicare. Kelly is 60 and has a small pension but no Social Security or Medicare. Joe starts receiving in-home waivered services. Their income level is 117% FPL for a couple. Forming groups: Both Joe and Kelly are in the household group. You will count both Kelly and Joe’s income (both in Financial group) and use the two-person need standard (both in Need group). Joe is the only one in Benefit group because he is the only one who receives Medicare (a non-financial requirement).