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determined eligible beginning December 1. Marsha’s participation level is determined based on a FTG of two. Their joint income is $1,000 above 240% of the FPL for a FTG of two. Her benefit period ends May 31, when Tim’s benefit period ends.

Since there are six months in her benefit period, Marsha’s spenddown amount is prorated. The spenddown amount of $1,000 is multiplied by six and then divided by 12.

$1,000 x 6=$6,000/12=$500

Marsha’s spenddown amount is $500. After she has met her spenddown, she then has a prorated deductible. Since there are six months in her benefit period, $850 is multiplied by six and then divided by 12.

$850x 6=$5,100/12=$425

Marsha pays for covered prescription drugs until she has met the $425 deductible. After Marsha has met the deductible, she purchases covered prescription drugs at the copayment amounts for the remainder of the benefit period.

Tim’s eligibility and benefit period are not affected. 33.9.4 Addition of a Spouse Summary Table The following table assumes that Spouse 1 and Spouse 2 do not apply for SeniorCare at the same time.

SPOUSE 1's Eligibility SPOUSE 2's Eligibility Benefit Period: Begin Date First of month following receipt of a valid application and enrollment fee. First of month following receipt of a valid application and enrollment fee. Will be later than Spouse 1’s begin date. Exception: If Spouse 2 is added during Spouse 1’s renewal, and the renewal is received after adverse action of the renewal month, Spouse 2’s benefit period may begin on the first of the month two months after the enrollment fee is received, depending on the circumstances of the case. Benefit Period: End Date End of twelfth month of eligibility unless terminated early. Same end date as Spouse 1 regardless of when Spouse 2 applies. Participation Level: Married at time of Spouse 1’s application FTG of two. Participation Level determined based on annual income of both spouses. FTG of two. Participation Level determined based on annual income from Spouse 1’s application. Eligibility results will be the same as Spouse 1. Participation Level: Single or not living together at time of Spouse 1’s application. Gross annual income test based on a FTG of one. When adding a new spouse, Spouse 1 does not need to reapply until the end of the Gross annual income test based on a FTG of two. Participation Level determined based on annual income of both spouses. Participation Level may be different than Spouse 1’s. Spouse 2 must estimate income at the time they apply. Spouse 1’s income remains the same.