Posts Tagged ‘family health insurance plans’

Kelley-Jensen2

Top 5 Lessons Learned for Covered California’s Second Enrollment

Top 5 Lessons Learned for Covered CA’s 2nd Enrollment

We are on the eve of Covered CA’s 2nd open enrollment period, consumers be ready. Here is a list of the top 5 lessons learned from the first open enrollment period that will help those that need to buy health insurance during the 2nd open enrollment:covered-ca-head-banging-guy

No. 1) Use an agent. You will need one.

I realize that sounds like a shameless plug, but the facts from Covered CA’s first enrollment strongly back up the value of certified agents, so much so that Covered CA is redoing its marketing plan to notify consumers of agents available in their area, via storefront, internet or telephone.

Health Insurance Subsidy on Form 1040

Kelley-Jensen2Health Insurance Subsidy on Form 1040 Much has been written about the premium tax credit or subsidies available to those that qualify.  Here are the most important things to know about the credit, including how it will probably look the first year it will be reported on form 1040, your federal income tax return. 1)    You must file a tax return to claim the credit.  A form 1040, not a form 1040NR (non-resident, sometimes filed using a PTIN). 2)    You cannot claim the credit if your filing status is married filing separately. 3)    You cannot be listed as a dependent on a tax return and claim the credit. 4)    You cannot claim the credit if you or your spouse is provided affordable coverage at work.  This means that if one taxpayer has affordable insurance at work , the entire family is not eligible for the credit, even if it is not affordable for the entire family.  (IRC §1.36B-2). 5)     The credit is NOT based on income reported on your paycheck or W-2, it is based on the adjusted gross income reported on your tax return, modified for any tax exempt income.  Click here for an example of a 2012 form 1040 to see where the number is on your tax return (pg1), (pg2). 6)    If you are self-employed, your health insurance deduction (see a sample 2012 form 1040 here) must be taken into account when estimating your AGI, be sure to ask a tax advisor about this. 7)    If your AGI will be different this year, or if it is too hard for you to estimate, you can take the credit when you file your tax return instead of monthly against premiums, or you can report changes in estimates as the year progresses. 8)    Click HERE for a chart of the income levels that qualify for the credit. 9)    For income tax purposes, a credit is better than a deduction.  A credit is a dollar for dollar reduction in your taxes, a deduction reduces your taxable income.  The premium tax credit you received as part of Obamacare is a big savings to your tax bill, but can only be taken to pay health insurance premiums. 10) If you have large health care expenses, those may be deductible, in addition to the credit, if you itemize your deductions.  Make it a habit to keep track of money you spend on health care and bring that information to a tax adviser. Lastly, the IRS will know if you have taken the credit to pay for health insurance premiums because the exchange will be reporting that information to both you and the IRS.  So, do not apply for the credit, use it to pay premiums and then not file a tax return. When the IRS receives a report about items of income, credits or deductions, they match it against the tax return filed.  When items do not match, they are sometimes flagged for follow up questions or audit, or sometimes the IRS will just issue a bill for differences. In cases where no tax return has been filed, the IRS will file one for you, in their favor.  Once they do that, it is up to the taxpayer to file an amended return and pay any penalties for late filing.  If you have never filed a tax return before, but would like to start for health insurance, consult a tax adviser or tax preparation service.

Questions About Auditory Processing Answered by Patti Hamaguchi

Author: Patti McAleer Hamaguchi, M.A., CCC-SLP

Twitter: Hamaguchi Apps @ HamaguchiApps

www.hamaguchiapps.com

facebook link

About the Author: Patti McAleer Hamaguchi is a speech-language pathologist, founder and director of Hamaguchi & Associates, Inc. and is the author of several books and articles on language development, and auditory processing.   Find them at these sites:

http://www.amazon.com/Childhood-Speech-Language-Listening-Problems/dp/0470532165/ref=sr_1_1?ie=UTF8&qid=1336867823&sr=8-1

http://www.proedinc.com/customer/ProductLists.aspx?SearchType=All&SearchWords=hamaguchi&SearchWordModifier=All&CategoryID=0

http://www.babycenter.com/expert-patricia-mcaleer-hamaguchi

Find Patti’s apps, created for speech, language and auditory development at iTunes

Patti’s Best iPad Apps

Author: Patti McAleer Hamaguchi, M.A., CCC-SLP

Twitter: Hamaguchi Apps @ HamaguchiApps

www.hamaguchiapps.com

facebook link

About the Author: Patti McAleer Hamaguchi is a speech-language pathologist, founder and director of Hamaguchi & Associates, Inc. and is the author of several books and articles on language development, and auditory processing.   Find them at these sites:

http://www.amazon.com/Childhood-Speech-Language-Listening-Problems/dp/0470532165/ref=sr_1_1?ie=UTF8&qid=1336867823&sr=8-1

http://www.proedinc.com/customer/ProductLists.aspx?SearchType=All&SearchWords=hamaguchi&SearchWordModifier=All&CategoryID=0

http://www.babycenter.com/expert-patricia-mcaleer-hamaguchi

Find Patti’s apps, created for speech, language and auditory development at iTunes

Learning to Talk with an iPad…Speech Therapy’s Big Helper

Author: Patti McAleer Hamaguchi, M.A., CCC-SLP

Twitter: Hamaguchi Apps @ HamaguchiApps

www.hamaguchiapps.com

http://www.facebook.com/pages/Hamaguchi-Apps-for-Speech-Language-Auditory-Development/299529220125194

About the Author: Patti McAleer Hamaguchi is a speech-language pathologist, founder and director of Hamaguchi & Associates, Inc. and is the author of several books and articles on language development, and auditory processing.   Find them at these sites:

http://www.amazon.com/Childhood-Speech-Language-Listening-Problems/dp/0470532165/ref=sr_1_1?ie=UTF8&qid=1336867823&sr=8-1

http://www.proedinc.com/customer/ProductLists.aspx?SearchType=All&SearchWords=hamaguchi&SearchWordModifier=All&CategoryID=0

http://www.babycenter.com/expert-patricia-mcaleer-hamaguchi

Find Patti’s apps, created for speech, language and auditory development at iTunes http://itunes.apple.com/us/artist/hamaguchi-apps-for-speech/id460288922

Tips for Making Odd Behaviors More Socially Acceptable

Author: Lisa “Luna” DeCurtis, M.A., CCC-SLP

http://morning2moon.com/

Autistic people often exhibit quirky behavior that is not appropriate in a social setting, ruins clothing or toys, and hurts them.  Things like biting on a their collars or sleeves, picking at their skin, flapping their arms, making a high pitched scream, jumping up and down…sometimes these behaviors are in response to sensory stimuli, sometimes they are provoked by anxiety, sometimes they are a way to communicate, and sometimes they are just a bad habit.  Whatever the case may be, often the more we try to stop them, the more they persist or morph into something worse.  When dealing with quirky behaviors, rather than try to stop, try to REPLACE the behavior with something less destructive and more socially acceptable.

How to Approach a Child with Autism

Author: Lisa “Luna” DeCurtis, M.A., CCC-SLP

http://morning2moon.com/

Friends, family, neighbors and even teachers often do not know how to approach a child with autism and make a connection without overwhelming the child.  Most people mean well, and of course, want to communicate and connect with the child, but struggle with the best way to approach a child with autism.  Here are some suggested do’s and don’ts when socializing with the autistic person in your life.

April 2, 2012 “Light It Up Blue” For Autism

Author: Lisa “Luna” DeCurtis, M.A., CCC-SLP

http://morning2moon.com/

April is Autism Awareness Month, a time to come together, remember those affected, and raise money and awareness for this disorder that hurts so many.   Join Autism Speaks http://www.autismspeaks.org/ in celebrating World Autism Awareness Day on April 2 and Light It Up Blue http://www.lightitupblue.org/Markslist/home.do to help shine a light on autism. Whether it’s your front porch or local city hall, an office party or a banquet, the whole world is going blue to increase awareness about autism.

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