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1218 (07/2026) Chapter 8: Examples • Chapter 8: Examples Example 1: Gertrude put her daughter Mary on her checking account so that Mary can write out the checks for Gertrude’s bills. All of the money in the account is Gertrude’s, so the entire account is considered available to Gertrude. Example 2: Gertrude opened a savings account for her daughter Mary when Mary was a teenager. The account is still open, in both Gertrude’s and Mary’s name, and has $5,000 balance. Mary directly deposits $200 from each paycheck to the account each month. They both claim all the money belongs to Mary, and the bank statements support their statements. The account is considered unavailable to Gertrude. Example 3: Gertrude has a joint savings account with her significant other, George. They both make automatic transfers of $100 from their checking accounts when they receive their Social Security checks and have done that for several years. The balance is $5,000 and they state they each own half. Of the $5,000, $2,500 is considered available to Gertrude. OSIPM Income Example 1: Joe applies for medical benefits for the very first time in June 2014. His income includes $780 gross SSDI; however, SSA is withholding $100 per month from his SSDI to repay an overpayment dating back to 2010 (apparently they miscalculated his benefits when he was first approved by SSA). He only receives $680 in actual SSDI benefits due to the repayment. He was receiving $900 per month when he was first approved in 2010, but after SSA discovered the error, his benefit decreased and is now $780. He was not receiving any type of APD medical benefit in 2010 when he was overpaid by SSA and receiving $900 per month; therefore, the garnished amount is considered available and we will be counting $780 rather than $680 when determining his countable income. Example 2: Joe is approved for SMB on 1/1/14. His income at the time included UC benefits and SSB. In March 2014, EDD discovers that they overpaid him $500 between November 2013 and February 2014 and starts garnishing his current UC benefit effective April 2014. After investigating, the worker finds that $300 of the total $500 overpayment occurred in January and February; therefore, we will consider the withheld amount unavailable (i.e. we will count the net amount after garnishment but before taxes) until we have “ignored” $300 of withholding. He will have $200 more in withholding before his overpayment is paid back, but we will start counting the gross UC benefit until it’s paid off regardless. Prospective eligibility and budgeting Individual program example(s)