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1233 (07/2026) Chapter 8: Examples • Chapter 8: Examples Example 1: A 67-year-old participant, Gertrude, who has been prescribed two medications has costs that amount to $55 a month. She also has a medical insurance premium of $100 per month that she pays. Gertrude meets the definition of elderly for the SNAP program so she is eligible for medical deductions. Code each medical cost separately in ONE as MED deductions. Example 2: Toni, 29-year-old mother of two pays for medical insurance for herself and her son, Jake, who receive SSI. The total insurance cost is $249 a month. The portion she pays for herself is $145. In ONE, enter the $145 insurance cost for Toni, and the $104 for Jake. ONE will determine what costs may be used as a medical deduction for SNAP. Example 3: A 58-year-old man, Bob, with a disability is told by his mental health counselor that he should be taking Melatonin to help him sleep and improve his mood. The cost of the melatonin is $13 at the local store for a month’s supply. He also pays $27 a month in prescription copays. Code the two medical costs separately in ONE as MED deductions. Example 4: Denise is participating in the EPD (Employed Persons with Disabilities) Program must pay a $100 participant fee in order to receive medical coverage. To qualify for this program, the participant must receive SSDI or meet the Social Security definition of disabled. Because of this, the participation fee is allowed as a medical deduction for SNAP. OSIPM Example 1: Susan owns a home and has a reverse mortgage. Susan provides the most recent reverse mortgage monthly statement. Susan is charged $160 per month in interest, $50 in mortgage insurance, and $20 in recurring service fees. Susan receives $470 per month from the reverse mortgage. The $470 Susan receives from the reverse mortgage is treated as a bona fide loan, which is excluded as income, but is counted as a resource if retained in the month following the month of receipt. Example 2: Richard owns a home and has a reverse mortgage Richard provides a recent reverse mortgage statement. Richard is charged $170 in interest, $55 in mortgage insurance and $30 in recurring fees. Richard occasionally draws off the reverse mortgage payments. On the reverse mortgage statement provided, Richard withdrew $5,000. Richard states it was used to go on a cross-country trip. The $5000 Richard withdrew from the reverse mortgage is treated as loan income, which is excluded. It is not counted as a resource in the month following the withdrawal because it has already been spent and was not used to purchase an asset. OSIPM Deeming income when an adult applies