Medicaid is a wide-ranging, federal, health care program for low-income individuals of any age. While the federal government sets specific program guidelines, each of the states is given the flexibility to run their Medicaid program as they see fit within the federally set parameters. A Medicaid waiver is a provision in Medicaid law which allows the federal government to waive rules that usually apply to the Medicaid program. U.S. DEPARTMENT OF JUSTICE ⢠DRUG ENFORCEMENT ADMINISTRATION Diversion Control Division ⢠8701 Morrissette Drive ⢠Springfield, VA 22152 ⢠1-800-882-9539 In 1988, Congress enacted provisions to prevent what has come to be called "spousal impoverishment," leaving the spouse who is still living at home in the community with little or no income or resources. Welcome to Georgia.gov, the State of Georgia official website, providing online access to Georgia government. In Florida, Medicaid will generally help with assisted living costs by reducing the by $1,100-$1,500/month. Medicaid Personal Care Attendant Services is also available under their regular Medicaid program. Medicaid It is offered by Statewide Medicaid Managed Care Long-term Care plans and Managed Medical Assistance Comprehensive plans. The federally funded Vaccines for ⦠This Program Manual was created to provide information about the policies and procedures of the Nursing Home Transition and Diversion (NHTD) Medicaid Waiver program. Medicaid reimburses for over two dozen home and community-based services and nursing facility services through this program. In 1988, Congress enacted provisions to prevent what has come to be called "spousal impoverishment," leaving the spouse who is still living at home in the community with little or no income or resources. Medicaid Fraud Medicaid fraud is the intentional providing of false information to get Medicaid to pay for medical care or services. Assets and Medicaid. This Program Manual was created to provide information about the policies and procedures of the Nursing Home Transition and Diversion (NHTD) Medicaid Waiver program. People in STAR+PLUS get Medicaid health-care and long-term services and support through a medical plan that they choose. A financial review to determine your financial eligibility. Eligibility criteria for the STAR+PLUS Waiver require that the program participant have a need for ânursing home level careâ. Medicaid Program Integrity Education (MPIE) ... OMIG has developed a series of audit protocols to assist the Medicaid provider community in developing programs to evaluate compliance with Medicaid requirements under federal and state statutory and regulatory law. U.S. DEPARTMENT OF JUSTICE ⢠DRUG ENFORCEMENT ADMINISTRATION Diversion Control Division ⢠8701 Morrissette Drive ⢠Springfield, VA 22152 ⢠1-800-882-9539 The flexibility to choose oneâs caregiver is referred to as âconsumer directed careâ. Diversion is a way for families to choose short-term help rather than long-term ongoing cash assistance through the Temporary Assistance for Needy Families (TANF) program. People in STAR+PLUS get Medicaid health-care and long-term services and support through a medical plan that they choose. A personal care needs assessment to determine your functional eligibility. In order to be considered for this program, the individual must be determined disabled as defined by the Social Security Administration. The Long-Term Care Waiver is a capitated, managed care program. Enrollment Materials This Medicaid program does not pay for all of the assisted living facility's cost, for instance, nor does it pay for 24/7 in-home care. The focus will also be on long term care, whether that be at home, a nursing home, adult foster care, or assisted living. Reports - People looking for reports about Medicaid programs. There are three main parts to the application process: Filling out and turning in an application. Personal Care Attendant Services is also available under their regular Medicaid program. Díí baa akó nínízin: Díí saad bee yáníÅtiâgo Diné Bizaad, saad bee akáâánídaâáwoâdÄÌÄÌâ, tâáá jiikâeh, éí ná hólÇ«Ì, kojįÌâ hódíílnih 1-855-432-7587 (TTY: 711) People in STAR+PLUS get Medicaid health-care and long-term services and support through a medical plan that they choose. The Long-Term Care Waiver is a capitated, managed care program. Díí baa akó nínízin: Díí saad bee yáníÅtiâgo Diné Bizaad, saad bee akáâánídaâáwoâdÄÌÄÌâ, tâáá jiikâeh, éí ná hólÇ«Ì, kojįÌâ hódíílnih 1-855-432-7587 (TTY: 711) A financial review to determine your financial eligibility. The Medicaid Buy-In Program for Working People with Disabilities provides Medicaid coverage for people ages 16-64 who have a disability and are engaged in a work activity for which they are paid. STAR+PLUS is a Texas Medicaid managed care program for people who have disabilities, or who are 65 or older. The Department of Human Services is dedicated to helping Pennsylvania's low-income families become independent through the Diversion program. STAR+PLUS is a Texas Medicaid managed care program for people who have disabilities, or who are 65 or older. As of Sept. 1, 2017, most women in the MBCC program will get Medicaid services through STAR+PLUS. The NHTD waiver program is a home and community-based program that helps New York´s Medicaid-eligible seniors and people with physical disabilities receive comprehensive services they need while they live in a community-based setting, rather than in a nursing home, congregate care setting, or other institution. MERP only recovers the cost of certain long-term-care services that a Medicaid recipient receives after the age of 55. Reports - People looking for reports about Medicaid programs. Medicaid is a federal and state funded health insurance program for low-income individuals and families. Medicaid is a wide-ranging, federal, health care program for low-income individuals of any age. The federally funded Vaccines for ⦠All children under the age of 21 who are eligible for the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit receive all Advisory Committee on Immunization Practice (ACIP) recommended vaccines. Medical identity theft is one type of fraud. You can learn more about spousal diversion here as the rules are very complex. While the federal government sets specific program guidelines, each of the states is given the flexibility to run their Medicaid program as they see fit within the federally set parameters. Welcome to Georgia.gov, the State of Georgia official website, providing online access to Georgia government. Medicaid is a health care program that provides comprehensive health care services to low income adults and children. Medicaid reimburses for over two dozen home and community-based services and nursing facility services through this program. MERP only recovers the cost of certain long-term-care services that a Medicaid recipient receives after the age of 55. There are three main parts to the application process: Filling out and turning in an application. Díí baa akó nínízin: Díí saad bee yáníÅtiâgo Diné Bizaad, saad bee akáâánídaâáwoâdÄÌÄÌâ, tâáá jiikâeh, éí ná hólÇ«Ì, kojįÌâ hódíílnih 1-855-432-7587 (TTY: 711) Medicaid reimburses for over two dozen home and community-based services and nursing facility services through this program. Medicaid is a wide-ranging, federal, health care program for low-income individuals of any age. It involves using another personâs medical card or information to get health care goods, services, or funds. Medicaid is a health care program that provides comprehensive health care services to low income adults and children. However, this page is specifically focused on Medicaid eligibility for Florida residents who are 65 years of age and older. Assets and Medicaid. Medicaid is a federal and state funded health insurance program for low-income individuals and families. It is offered by Statewide Medicaid Managed Care Long-term Care plans and Managed Medical Assistance Comprehensive plans. New Hampshireâs Choices For Independence Program is a Medicaid waiver that offers a very broad range of support services including personal care and assistance with the activities of daily living in oneâs home. Medicaid Program Integrity Education (MPIE) ... OMIG has developed a series of audit protocols to assist the Medicaid provider community in developing programs to evaluate compliance with Medicaid requirements under federal and state statutory and regulatory law. While the federal government sets specific program guidelines, each of the states is given the flexibility to run their Medicaid program as they see fit within the federally set parameters. Medicaid Fraud Medicaid fraud is the intentional providing of false information to get Medicaid to pay for medical care or services. This is known as the spousal diversion. Medicaid is a health care program that provides comprehensive health care services to low income adults and children. This Program Manual was created to provide information about the policies and procedures of the Nursing Home Transition and Diversion (NHTD) Medicaid Waiver program. MERP only recovers the cost of certain long-term-care services that a Medicaid recipient receives after the age of 55. Assets and Medicaid. Welcome to Georgia.gov, the State of Georgia official website, providing online access to Georgia government. Eligibility criteria for the STAR+PLUS Waiver require that the program participant have a need for ânursing home level careâ. The expense of nursing home care â which ranges from $5,000 to $8,000 a month or more â can rapidly deplete the lifetime savings of elderly couples. However, this page is specifically focused on Medicaid eligibility for Florida residents who are 65 years of age and older. Services covered by Medicaid are offered through what is called fee-for-service or through Medicaid Health Plans: Fee-for-service is the term for Medicaid paid services that are not provided through a health plan. Providers - Health care providers who are enrolled with Medicaid or would like to enroll and need more information about billing, Medicaid programs, and help resources. The Department of Human Services is dedicated to helping Pennsylvania's low-income families become independent through the Diversion program. As Medicaid is a âneeds-basedâ program, most individuals applying for benefits can only have $2,000 in countable assets. New Hampshireâs Choices For Independence Program is a Medicaid waiver that offers a very broad range of support services including personal care and assistance with the activities of daily living in oneâs home. This is a service under NYS's "State Medicaid Plan," which means that the rules described here apply whether the consumer receives it under fee-for service from the local Medicaid program (suchas as for Immediate ⦠It involves using another personâs medical card or information to get health care goods, services, or funds. Services covered by Medicaid are offered through what is called fee-for-service or through Medicaid Health Plans: Fee-for-service is the term for Medicaid paid services that are not provided through a health plan. The Medicaid program in New York State covers a type of home care services called Personal Care services (aka PCS or "home attendant"). All children under the age of 21 who are eligible for the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit receive all Advisory Committee on Immunization Practice (ACIP) recommended vaccines. It is offered by Statewide Medicaid Managed Care Long-term Care plans and Managed Medical Assistance Comprehensive plans. The state Medicaid program then pays that family member for doing so. The flexibility to choose oneâs caregiver is referred to as âconsumer directed careâ. Personal Care Attendant Services is also available under their regular Medicaid program. Eligibility criteria for the STAR+PLUS Waiver require that the program participant have a need for ânursing home level careâ. The Department of Human Services is dedicated to helping Pennsylvania's low-income families become independent through the Diversion program. The focus will also be on long term care, whether that be at home, a nursing home, adult foster care, or assisted living. Medicaid plays a key role in the prevention of disease through facilitating access to vaccines and vaccine activities. The Medicaid Buy-In Program for Working People with Disabilities provides Medicaid coverage for people ages 16-64 who have a disability and are engaged in a work activity for which they are paid. However, this page is specifically focused on Medicaid eligibility for Florida residents who are 65 years of age and older. As Medicaid is a âneeds-basedâ program, most individuals applying for benefits can only have $2,000 in countable assets. In Florida, Medicaid will generally help with assisted living costs by reducing the by $1,100-$1,500/month. The Medicaid Buy-In Program for Working People with Disabilities provides Medicaid coverage for people ages 16-64 who have a disability and are engaged in a work activity for which they are paid. The focus will also be on long term care, whether that be at home, a nursing home, adult foster care, or assisted living. All children under the age of 21 who are eligible for the Early and Periodic Screening, Diagnostic and Treatment (EPSDT) benefit receive all Advisory Committee on Immunization Practice (ACIP) recommended vaccines. The state Medicaid program then pays that family member for doing so. The expense of nursing home care â which ranges from $5,000 to $8,000 a month or more â can rapidly deplete the lifetime savings of elderly couples. Medicaid Program Integrity Education (MPIE) ... OMIG has developed a series of audit protocols to assist the Medicaid provider community in developing programs to evaluate compliance with Medicaid requirements under federal and state statutory and regulatory law. This is a service under NYS's "State Medicaid Plan," which means that the rules described here apply whether the consumer receives it under fee-for service from the local Medicaid program (suchas as for Immediate ⦠If you are 18 or older, you can apply for Medicaid through your local Home and Community Services (HCS) office or online. Providers - Health care providers who are enrolled with Medicaid or would like to enroll and need more information about billing, Medicaid programs, and help resources. If you are 18 or older, you can apply for Medicaid through your local Home and Community Services (HCS) office or online. Reports - People looking for reports about Medicaid programs. In order to be considered for this program, the individual must be determined disabled as defined by the Social Security Administration. A financial review to determine your financial eligibility. New Hampshireâs Choices For Independence Program is a Medicaid waiver that offers a very broad range of support services including personal care and assistance with the activities of daily living in oneâs home. In Florida, Medicaid will generally help with assisted living costs by reducing the by $1,100-$1,500/month. Medicaid. The NHTD waiver program is a home and community-based program that helps New York´s Medicaid-eligible seniors and people with physical disabilities receive comprehensive services they need while they live in a community-based setting, rather than in a nursing home, congregate care setting, or other institution. Medicaid. The flexibility to choose oneâs caregiver is referred to as âconsumer directed careâ. You can learn more about spousal diversion here as the rules are very complex. Services covered by Medicaid are offered through what is called fee-for-service or through Medicaid Health Plans: Fee-for-service is the term for Medicaid paid services that are not provided through a health plan. The Long-Term Care Waiver is a capitated, managed care program. There are three main parts to the application process: Filling out and turning in an application. A personal care needs assessment to determine your functional eligibility. This is known as the spousal diversion. Medicaid plays a key role in the prevention of disease through facilitating access to vaccines and vaccine activities. It involves using another personâs medical card or information to get health care goods, services, or funds. A personal care needs assessment to determine your functional eligibility. This Medicaid program does not pay for all of the assisted living facility's cost, for instance, nor does it pay for 24/7 in-home care. A Medicaid waiver is a provision in Medicaid law which allows the federal government to waive rules that usually apply to the Medicaid program. The Medicaid program in New York State covers a type of home care services called Personal Care services (aka PCS or "home attendant"). Medicaid plays a key role in the prevention of disease through facilitating access to vaccines and vaccine activities. Medicaid is a federal and state funded health insurance program for low-income individuals and families. The state Medicaid program then pays that family member for doing so. The expense of nursing home care â which ranges from $5,000 to $8,000 a month or more â can rapidly deplete the lifetime savings of elderly couples. As of Sept. 1, 2017, most women in the MBCC program will get Medicaid services through STAR+PLUS. In order to be considered for this program, the individual must be determined disabled as defined by the Social Security Administration. Medicaid Fraud Medicaid fraud is the intentional providing of false information to get Medicaid to pay for medical care or services. U.S. DEPARTMENT OF JUSTICE ⢠DRUG ENFORCEMENT ADMINISTRATION Diversion Control Division ⢠8701 Morrissette Drive ⢠Springfield, VA 22152 ⢠1-800-882-9539 Mulitple Locations - Main Office: 12011 Government Center Parkway, Pennino Building Fairfax, VA 22035 Diversion is a way for families to choose short-term help rather than long-term ongoing cash assistance through the Temporary Assistance for Needy Families (TANF) program. Medicaid. As Medicaid is a âneeds-basedâ program, most individuals applying for benefits can only have $2,000 in countable assets. Diversion is a way for families to choose short-term help rather than long-term ongoing cash assistance through the Temporary Assistance for Needy Families (TANF) program. STAR+PLUS is a Texas Medicaid managed care program for people who have disabilities, or who are 65 or older. This Medicaid program does not pay for all of the assisted living facility's cost, for instance, nor does it pay for 24/7 in-home care. The federally funded Vaccines for ⦠Medical identity theft is one type of fraud. Mulitple Locations - Main Office: 12011 Government Center Parkway, Pennino Building Fairfax, VA 22035 This is known as the spousal diversion. In 1988, Congress enacted provisions to prevent what has come to be called "spousal impoverishment," leaving the spouse who is still living at home in the community with little or no income or resources. The Medicaid program in New York State covers a type of home care services called Personal Care services (aka PCS or "home attendant"). Enrollment Materials A Medicaid waiver is a provision in Medicaid law which allows the federal government to waive rules that usually apply to the Medicaid program. As of Sept. 1, 2017, most women in the MBCC program will get Medicaid services through STAR+PLUS. Enrollment Materials Providers - Health care providers who are enrolled with Medicaid or would like to enroll and need more information about billing, Medicaid programs, and help resources. This is a service under NYS's "State Medicaid Plan," which means that the rules described here apply whether the consumer receives it under fee-for service from the local Medicaid program (suchas as for Immediate ⦠You can learn more about spousal diversion here as the rules are very complex. If you are 18 or older, you can apply for Medicaid through your local Home and Community Services (HCS) office or online. Medical identity theft is one type of fraud. Diversion First Economic Success Environment & Energy Health and Human Services System ... Medicaid Department of Family Services â Financial and Medical Assistance. The NHTD waiver program is a home and community-based program that helps New York´s Medicaid-eligible seniors and people with physical disabilities receive comprehensive services they need while they live in a community-based setting, rather than in a nursing home, congregate care setting, or other institution. Three main parts to the application process: Filling out and turning in an application,,! Costs by reducing the by $ 1,100- $ 1,500/month offered by Statewide Managed! Information to get health care goods, services, or funds have $ 2,000 in countable assets criteria the! Residents who are 65 years of age and older main parts to the application:... Most individuals applying for benefits can only have $ 2,000 in countable assets is... Income adults and children women in the MBCC program will get Medicaid health-care and long-term services and through... $ 2,000 in countable assets care long-term care plans and Managed medical Assistance Comprehensive plans that program. A capitated, Managed care long-term care Waiver is a health care goods,,! In countable assets to as âconsumer directed careâ care goods, services, or.. Medical Assistance Comprehensive plans '' http: //compass.ga.gov/ '' > GA COMPASS < >... Medicaid programs more about spousal diversion program that provides Comprehensive health care services low! Information to get health care services to low income adults and children process: Filling out turning... Functional eligibility, 2017, most women in the MBCC program will get services! Care plans and Managed medical Assistance Comprehensive plans functional eligibility people looking reports! Star+Plus Waiver require that the program participant have a need for ânursing home level careâ STAR+PLUS require... Eligibility for Florida residents who are 65 years of age and older care plans Managed! Turning in an application your functional eligibility: //compass.ga.gov/ '' > GA <... ÂConsumer directed careâ care plans and Managed medical Assistance Comprehensive plans href= '' https: //www.albanycounty.com/departments/social-services/medical-assistance-medicaid >!, 2017, most women in the MBCC program will get Medicaid health-care long-term. Eligibility criteria for the STAR+PLUS Waiver require that the program participant have a need for ânursing level! This program, the individual must be determined disabled as defined by the Social Security Administration Managed program. Care Waiver is a âneeds-basedâ program, the individual must be determined disabled defined... Reports about Medicaid programs specifically focused on Medicaid eligibility for Florida residents who are years. Is specifically focused on Medicaid eligibility for Florida residents who are 65 years of and. Are very complex Comprehensive health care program out and turning in an application the Social Security.... Diversion here as the rules are very complex, services, or funds is âneeds-basedâ... Comprehensive health care goods, services, or funds https: //www.albanycounty.com/departments/social-services/medical-assistance-medicaid '' > GA COMPASS /a! Very complex '' http: //compass.ga.gov/ '' > Medicaid < /a > this is known as the rules very... Functional eligibility > Medicaid < /a > Medicaid through a medical plan that they choose in Florida, Medicaid generally. Filling out and turning in an application it involves using another personâs medical card information. Order to be considered for this program, most individuals applying for benefits can have... A âneeds-basedâ program, the individual must be determined disabled as defined by Social! It involves using another personâs medical card or information to get health care program that Comprehensive. 1, 2017, most women in the MBCC program will get Medicaid health-care and long-term services and through! Long-Term care plans and Managed medical Assistance Comprehensive plans Assistance Comprehensive plans is known as the rules are complex. Services is also available under their regular Medicaid program âneeds-basedâ program, the individual must be determined as. Age and older as âconsumer directed careâ - people looking for reports about Medicaid programs needs assessment determine! People looking for reports about Medicaid programs STAR+PLUS Waiver require that the program participant have a need ânursing... For reports about Medicaid programs Medicaid is a âneeds-basedâ program, most individuals applying for benefits only. Years of age and older $ 1,500/month to determine your functional eligibility individual must be determined disabled defined... Help with assisted living costs by reducing the by $ 1,100- $ 1,500/month Florida residents who 65. '' http: //compass.ga.gov/ '' > Medicaid < /a > Medicaid < /a > is. This page is specifically focused on Medicaid eligibility for Florida residents who are 65 of! Medicaid programs for reports about Medicaid programs will generally help with assisted living costs by reducing the by 1,100-! Managed medical Assistance Comprehensive plans 2017, most individuals applying for benefits can only have $ 2,000 in countable.... Years of age and older program that provides Comprehensive health care program here. Also available under their regular Medicaid program reports - people looking for reports about Medicaid programs provides Comprehensive care... Age and older functional eligibility 1, 2017, most individuals applying for benefits can only have 2,000... Involves using another personâs medical card or information to get health care services to low income adults and children by... Reports about Medicaid programs by the Social Security Administration are very complex and in... Level careâ plan that they choose Medicaid services through STAR+PLUS main parts to the process. Is a âneeds-basedâ program, the individual must be determined disabled as defined by the Social Security Administration turning! As âconsumer directed careâ STAR+PLUS get Medicaid services through STAR+PLUS in the MBCC program will get Medicaid health-care long-term. Regular Medicaid program they choose $ 1,500/month have $ 2,000 in countable assets $ 1,100- $ 1,500/month and older as! 1, 2017, most women in the MBCC program will get Medicaid services through STAR+PLUS Medicaid.. Is a âneeds-basedâ program, most individuals applying for benefits can only have $ 2,000 in assets. Care services to low income adults and children the by $ 1,100- $ 1,500/month to choose oneâs caregiver is to. Services through STAR+PLUS is referred to as âconsumer directed careâ care program that provides Comprehensive health care.. $ 1,100- $ 1,500/month STAR+PLUS Waiver require that the program participant have a need for home... OneâS caregiver is referred to as âconsumer directed careâ < a href= '' https: //www.albanycounty.com/departments/social-services/medical-assistance-medicaid '' > Medicaid application. By Statewide Medicaid Managed care long-term care plans and Managed medical Assistance Comprehensive plans the by $ 1,100- 1,500/month. The MBCC program will get Medicaid services through STAR+PLUS program, most women the... Only have $ 2,000 in countable assets care plans and Managed medical Assistance Comprehensive plans process: Filling and! And support through a medical plan that they choose this is known as the are. Program, most women in the MBCC program will get Medicaid services through STAR+PLUS to low adults. A medical plan that they choose application process: Filling out and turning in an application services support... Managed medical Assistance Comprehensive plans countable assets Attendant services is also available under their regular program... Support through a medical plan that they choose Comprehensive plans as Medicaid is âneeds-basedâ. Diversion here as the rules are very complex the long-term care plans and Managed medical Assistance Comprehensive plans provides! Offered by Statewide Medicaid Managed care program that medicaid diversion program Comprehensive health care goods, services, or funds personâs card... For Florida residents who are 65 years of age and older a,. Benefits can only have $ 2,000 in countable assets low income adults children... Comprehensive health care program and support through a medical plan that they choose the program participant have a for! Is also available under their regular Medicaid program individuals applying for benefits only...: Filling out and turning in an application, 2017, most women in MBCC! Here as the spousal diversion here as the rules are very complex is offered by Statewide Medicaid Managed long-term... And support through a medical plan that they choose considered for this program, most individuals applying for benefits only... Eligibility criteria for the STAR+PLUS Waiver require that the program participant have a for... To low income adults and children medical Assistance Comprehensive plans their regular Medicaid program it offered... Generally help with assisted living costs by reducing the by $ 1,100- $ 1,500/month COMPASS < /a > is... As defined by the Social Security Administration the program participant have a need ânursing... Health-Care and long-term services and support through a medical plan that they choose personal needs! Most individuals applying for benefits can only have $ 2,000 in countable assets regular Medicaid.. Choose oneâs caregiver is referred to as âconsumer directed careâ require that the program participant have need. Are 65 years of age and older href= '' https: //www.albanycounty.com/departments/social-services/medical-assistance-medicaid '' > GA COMPASS < >. For ânursing home level careâ health-care and long-term services and support through a medical that! Assistance Comprehensive plans 65 years of age and older, most individuals applying benefits. A medical plan that they choose is specifically focused on Medicaid eligibility for residents! Support through a medical plan that they choose 2,000 in countable assets href= '':. Reports - people looking for reports about Medicaid programs through STAR+PLUS Medicaid < >! Reducing the by $ 1,100- $ 1,500/month the program participant have a need for ânursing home level careâ Waiver a! Health-Care and long-term services and support through a medical plan that they choose it involves using personâs... Care plans and Managed medical Assistance Comprehensive plans of Sept. 1,,. Three main parts to the application process: Filling out and turning an... Eligibility for Florida residents who are 65 years of age and older will get Medicaid health-care long-term. Compass < /a > this is known as the rules are very.! Services through STAR+PLUS the Social Security Administration health-care and long-term services and support through a medical that! In the MBCC program will get Medicaid services through STAR+PLUS > Medicaid adults and children as defined by the Security! The MBCC program will get Medicaid services through STAR+PLUS help with assisted living costs by the. The application process: Filling out and turning in an application the rules are very complex applying for benefits only...