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Common Types of Income Cheatsheet

Typical Types of income and how they are handled in SNAP
Wages (on check stubs) Earned
  • Need the most recent 30 days gross income
  • For Initial Application – if you have the complete month, use actual income for the month of application
  • For everything else – average the most recent 30 days to anticipate income
Sick Pay (on current check stubs) Earned
  • Counted as income as you can anticipate this may occur again going forward
Sick Pay (Paid upon leaving employment) Not Counted
  • If paid as a lump sum upon leaving employment, this is not counted as ongoing income
Benefit Allowance (found on check stub) Earned
  • If paid directly to client, this is earned income and should be counted with the rest of the check stub
  • If going to an insurance company and not to the client, do not count it
Temporary Disability Insurance Payments Earned
  • Gross monthly income needed
  • Counted as earned income if funded by the employer and the client is still employed
Temporary Disability Insurance Payments Unearned
  • Gross monthly income needed
  • Counted as unearned income if the check comes from an insurance company and/or the client is no longer employed
Plasma Sales Earned
  • Need at least the last full calendar month of payments
  • Will be averaged and used to anticipate income
Child support or Alimony Unearned
  • Could be ordered through child support services, private, or court-ordered
  • Count the gross monthly average a client receives
Cash made through odd jobs Self-Employed
  • Use as much information as you can reliably get from the client
  • Use the federal tax form if available
  • If client has kept records, take the records up to the previous complete 12 calendar months
  • If client just began, use what has been made this calendar month
  • If client has not kept logs and can give an estimate, use this and ask the client to begin keeping logs
  • Ask about business expenses and grant a deduction if appropriate
Wages made as an independent contractor Self-Employed
  • Independent contractors do not have taxes withheld and are self-employed
  • If client has filed a full year of taxes as a contractor, use the federal tax return
  • If client has paystubs, use up to the most recent 12 months
  • If client provides logs, use up to the most recent 12 months
  • If client just began, use what has been made that month
Wages made through traditional self-employment (small business ownership, etc) Self-Employed
  • If client has filed a full year of taxes, use the federal tax return
  • If client provides logs, use up to the most recent 12 months
  • If client just began, use what has been made that month
  • If client has not kept logs or any information, use an estimate and inform the client to keep records going forward
  • Make sure to allow business expenses when appropriate
Profit Sharing (for a general partner or LLC member manager) Self-employed
  • Counted as self-employment
  • Use the most recent tax return to anticipate income
Profit Sharing (in a S-corp, for a limited partner, or for another LLC member) Unearned
  • Counted as unearned income
  • Use the most recent tax return to anticipate income
Self-employed Farm Income Self-employed
  • Client must receive a gross income of $1000 or more to be considered and a loss offsets other income
  • Use the most recent tax return if for a full year or logs
  • Make sure to allow the business expense deduction if appropriate
Income from Boarders Self-employed
  • Count direct payments from boarder as income (if amount is reasonable, see definition for details)
  • Give a 50% deduction of the payment as a business expense
Rental Property Earned
  • Use client’s statement of monthly rental amount unless questionable
  • Counts as earned if client actively manages the property 20 hours or more
  • Can claim business expenses
Rental Property Unearned
  • Use client’s statement of monthly rental amount unless questionable
  • Counts as unearned if they are not actively maintaining the property
  • Can still claim business expenses
SSI or Social Security Unearned
  • Use monthly gross amount
  • You can get this information from BEN and SDX IMS screens
SSP or TANF Cash Unearned
  • Use gross monthly amount
  • Information can be found on SDX or EB screens respectively
Pension, Retirement, or other Employee Benefits Unearned
  • Use monthly gross amounts
  • Benefit can be for the person or transferred upon death to a widow or other survivor
VA Disability and Retirement Payments Unearned
  • Use award letter for gross, unearned amount
  • Any portion paid to a caretaker outside the home is excluded as income
Income from National Guard (or other active / reserve duty military in the home part-time) Earned
  • Gross monthly amount counted for service members who return to the home on a part-time basis
Income from Active Duty military (outside of the home for long periods) Earned
  • Only consider the amount that is designated for the household and do not count that household member in the case
  • Use client’s statement to determine the amount that should be counted
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