{
 "name": "medfrail.com benefits-60 rows: help people 60 and older may be missing",
 "version": "2026-10-27",
 "note": "Each row is one fact the /benefits-60 check relies on, with the primary source it was read from and the day. The office that runs each program decides who qualifies. benefits-60.js holds the same numbers; tests/benefits-60.test.mjs fails if they differ. A figure that cannot be read from a primary source is shown as 'check with SHIP', never typed in. Pages: https://www.medfrail.com/benefits-60 (English) and https://www.medfrail.com/beneficios-60 (Spanish; same rows, Spanish labels in name_es).",
 "not_read": [
  "Social Security's own Extra Help pages (ssa.gov) refused automated reads (HTTP 403) on 2026-10-27; the Extra Help limits are from Medicare.gov instead. No SSA phone number is shown for that reason.",
  "Alaska and Hawaii MSP, Extra Help and SNAP limits were not read; the check says 'check with SHIP' or 'ask your state SNAP office' for those two states.",
  "State MSP limits above the federal ones were not read state by state; the page says states may set higher limits.",
  "USDA Rural Development's Section 504 page (rd.usda.gov) refused automated reads (HTTP 403) on 2026-10-27, so the 504 loan and grant dollar maximums are shown as 'check with your Rural Development office'. 7 CFR 3550.112 says only that the agency sets them (loan up to 20% and lifetime grant up to 10% of the national average area loan limit). /home-help.json carries the amounts as read from rd.usda.gov on 2026-10-22; they were not re-read today.",
  "USDA's very-low income limits by county were not read; the page says 'under USDA's very-low limit for your county'.",
  "No Spanish pages exist at shiphelp.org, fna.usda.gov or eldercare.acl.gov (404 on 2026-10-27); the Spanish page links the English pages, marked '(en inglés)'. Medicare.gov's Spanish pages (es.medicare.gov) were read and show the same 2026 MSP and Extra Help figures."
 ],
 "programs": [
  {
   "id": "msp",
   "name": "Medicare Savings Programs (QMB, SLMB, QI)",
   "area": "All states, run by each state",
   "rows": [
    {
     "fact": "2026 monthly income limit, QMB: $1,350 individual, $1,824 married couple; resource limit $9,950 individual, $14,910 married couple.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs, 'Monthly income and resource limits for 2026'",
     "checked": "2026-10-27"
    },
    {
     "fact": "2026 monthly income limit, SLMB: $1,616 individual, $2,184 married couple; same resource limits. Pays Part B premiums only; must have Part A and Part B.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs",
     "checked": "2026-10-27"
    },
    {
     "fact": "2026 monthly income limit, QI: $1,816 individual, $2,455 married couple; same resource limits. Pays Part B premiums; first-come, first-served, priority to people who had QI the year before; only for people who don't qualify for other Medicaid.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs",
     "checked": "2026-10-27"
    },
    {
     "fact": "QMB pays Part A premiums (for people who pay one) and Part B premiums, deductibles, coinsurance and copayments.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs",
     "checked": "2026-10-27"
    },
    {
     "fact": "Income limits are slightly higher in Alaska and Hawaii. You may qualify in other states even if your income or resources are higher than the federal limits; some states don't count certain types or amounts of income or resources.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs",
     "checked": "2026-10-27",
     "unknowns": [
      "Each state's own higher limits were not read."
     ]
    },
    {
     "fact": "These programs are run by your state. Contact your state to apply.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs, 'How to apply'",
     "checked": "2026-10-27"
    },
    {
     "fact": "Spanish page: 'Límites de ingresos mensuales y recursos de 2026': QMB individual $1,350 / pareja casada $1,824; recursos $9,950 / $14,910; 'Los límites de ingresos son ligeramente más altos en Alaska y Hawái'.",
     "source": "https://es.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov en español, Programas de ahorros de Medicare",
     "checked": "2026-10-27"
    },
    {
     "fact": "Papers: the state must use information it obtains electronically and may require additional information or documentation only when that information cannot be obtained electronically or is not reasonably compatible with what the person said.",
     "source": "https://www.ecfr.gov/current/title-42/part-435/section-435.952",
     "cite": "42 CFR 435.952(c)",
     "checked": "2026-10-27"
    },
    {
     "fact": "Papers for MSP: the agency must accept attestation, without documentation, of dividend and interest income, the value of non-liquid resources, up to $1,500 each (applicant and spouse) set aside for burial, and the face value of life insurance; if it verifies later it must allow at least 90 days.",
     "source": "https://www.ecfr.gov/current/title-42/part-435/section-435.952",
     "cite": "42 CFR 435.952(e)(1)-(4)",
     "checked": "2026-10-27"
    }
   ],
   "name_es": "Programas de ahorros de Medicare (QMB, SLMB, QI)"
  },
  {
   "id": "extra_help",
   "name": "Extra Help (Part D Low-Income Subsidy)",
   "area": "All states and DC; not Puerto Rico or the territories",
   "rows": [
    {
     "fact": "2026 limits: income $23,940 a year and resources $18,090 for an individual; $32,460 and $36,100 for a married couple. 'In most cases' you must be under these.",
     "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
     "cite": "Medicare.gov, Help with drug costs, 'Income and resource limits in 2026'",
     "checked": "2026-10-27",
     "unknowns": [
      "Alaska and Hawaii limits not read."
     ]
    },
    {
     "fact": "You get Extra Help automatically with full-benefit Medicaid, a Medicare Savings Program paying your Part B premium, or SSI.",
     "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
     "cite": "Medicare.gov, Help with drug costs, 'Who gets Extra Help automatically?'",
     "checked": "2026-10-27"
    },
    {
     "fact": "You can apply with Social Security; a local SHIP can help you apply. Applying for Extra Help also starts a Medicare Savings Program application with your state unless you say no on the application.",
     "source": "https://www.medicare.gov/basics/costs/help/drug-costs",
     "cite": "Medicare.gov, Help with drug costs",
     "checked": "2026-10-27"
    },
    {
     "fact": "With an MSP you pay no more than $12.65 in 2026 for each covered drug.",
     "source": "https://www.medicare.gov/basics/costs/help/medicare-savings-programs",
     "cite": "Medicare.gov, Medicare Savings Programs",
     "checked": "2026-10-27"
    },
    {
     "fact": "Spanish page: 'Límites de ingresos y recursos en 2026': individual $23,940 / $18,090; pareja casada $32,460 / $36,100.",
     "source": "https://es.medicare.gov/basics/costs/help/drug-costs",
     "cite": "Medicare.gov en español, Ayuda con el costo de los medicamentos",
     "checked": "2026-10-27"
    },
    {
     "fact": "Papers for Extra Help: not listed. Social Security's application pages (ssa.gov) refused automated reads on 2026-10-27; the page says to ask Social Security which papers.",
     "source": "https://www.ssa.gov/medicare/part-d-extra-help",
     "cite": "not read (HTTP 403)",
     "checked": "2026-10-27",
     "unknowns": [
      "Which documents SSA asks for."
     ]
    }
   ],
   "name_es": "Ayuda Adicional (subsidio por bajos ingresos de la Parte D)"
  },
  {
   "id": "snap",
   "name": "SNAP for households with someone 60 or older",
   "area": "48 states, DC, Guam, U.S. Virgin Islands (Alaska and Hawaii higher)",
   "rows": [
    {
     "fact": "In SNAP, you are elderly if you are 60 years or older.",
     "source": "https://www.fna.usda.gov/snap/eligibility/elderly-disabled-special-rules",
     "cite": "USDA, SNAP special rules for the elderly or disabled (information for Oct. 1, 2026 to Sept. 30, 2027)",
     "checked": "2026-10-27"
    },
    {
     "fact": "A household with an elderly or disabled person only has to meet the net income test.",
     "source": "https://www.fna.usda.gov/snap/eligibility/elderly-disabled-special-rules",
     "cite": "USDA, SNAP special rules for the elderly or disabled",
     "checked": "2026-10-27"
    },
    {
     "fact": "Net monthly income limits (100% of poverty), Oct. 1, 2026 to Sept. 30, 2027: 1 $1,330; 2 $1,804; 3 $2,277; 4 $2,750; 5 $3,224; 6 $3,697; each additional +$474. Gross (130%): 1 $1,729; 2 $2,345; 3 $2,960; 4 $3,575; 5 $4,191; 6 $4,806.",
     "source": "https://www.fna.usda.gov/snap/recipient/eligibility",
     "cite": "USDA, SNAP eligibility, Table 1",
     "checked": "2026-10-27"
    },
    {
     "fact": "Resources: $3,000, or $4,750 if at least one member is 60 or older or disabled. A home and lot and most retirement and pension plans are not counted. Most states use broad-based categorical eligibility, which can allow more.",
     "source": "https://www.fna.usda.gov/snap/recipient/eligibility",
     "cite": "USDA, SNAP eligibility",
     "checked": "2026-10-27"
    },
    {
     "fact": "Deductions: standard deduction $217 for 1 to 3 people; medical expenses over $35 a month for elderly or disabled members; for a household with an elderly or disabled member, all shelter costs over half of income (otherwise capped at $769).",
     "source": "https://www.fna.usda.gov/snap/eligibility/elderly-disabled-special-rules",
     "cite": "USDA, SNAP special rules for the elderly or disabled; SNAP eligibility",
     "checked": "2026-10-27"
    },
    {
     "fact": "Papers: before initial certification the State agency must verify gross nonexempt income, alien eligibility, utility expenses above the standard (if claimed and it changes the deduction), deductible medical expenses, Social Security numbers (with SSA), residency, identity (examples: driver's license, work or school ID, ID for health benefits or another assistance program, voter registration card, wage stubs, birth certificate), and disability; households get at least 10 days to provide verification.",
     "source": "https://www.ecfr.gov/current/title-7/part-273/section-273.2",
     "cite": "7 CFR 273.2(f), (f)(1)(i)-(viii)",
     "checked": "2026-10-27"
    }
   ],
   "name_es": "SNAP para hogares con alguien de 60 años o más"
  },
  {
   "id": "meals",
   "name": "Senior meals: congregate and home-delivered (Older Americans Act Title III-C)",
   "area": "All states, through local programs",
   "rows": [
    {
     "fact": "Local program services are available to those 60+, their spouses of any age, and individuals with disabilities who live in facilities occupied primarily by older adults receiving congregate meals.",
     "source": "https://acl.gov/programs/health-wellness/nutrition-services",
     "cite": "ACL, Nutrition Services",
     "checked": "2026-10-27"
    },
    {
     "fact": "Means testing is prohibited; services shall not be denied because the person will not or cannot make a voluntary contribution.",
     "source": "https://www.ecfr.gov/current/title-45/part-1321",
     "cite": "45 CFR 1321.9(c)(2)(x)(E)-(F); means test defined at 1321.3",
     "checked": "2026-10-27"
    },
    {
     "fact": "Eligibility for home-delivered meals may consider ability to leave home unassisted, ability to shop for and prepare meals, degree of disability, or other factors including social and economic need.",
     "source": "https://www.ecfr.gov/current/title-45/part-1321",
     "cite": "45 CFR 1321.87(a)(2)(i)",
     "checked": "2026-10-27"
    },
    {
     "fact": "Papers: means testing is prohibited for Older Americans Act services, so income and savings are not used to decide; the page says to ask the program what it needs.",
     "source": "https://www.ecfr.gov/current/title-45/part-1321",
     "cite": "45 CFR 1321.9(c)(2)(x)(E)",
     "checked": "2026-10-27"
    }
   ],
   "name_es": "Comidas para mayores: en grupo y a domicilio (Ley de Estadounidenses Mayores, Título III-C)"
  },
  {
   "id": "repair",
   "name": "Home repair: USDA Section 504 loans and grants (rural), or the Area Agency on Aging",
   "name_es": "Reparar la casa: préstamos y subvenciones de la Sección 504 del USDA (zonas rurales), o la Agencia del Área para Personas Mayores",
   "area": "Rural areas designated by USDA; elsewhere, local Area Agencies on Aging",
   "rows": [
    {
     "fact": "Section 504 loans and grants are intended to help very low-income owner-occupants in rural areas repair their properties.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.101",
     "checked": "2026-10-27"
    },
    {
     "fact": "Grant funds may be used only for repairs and improvements that remove identified health and safety hazards, or to repair or remodel dwellings to make them accessible and usable for household members with disabilities.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.102(a)",
     "checked": "2026-10-27"
    },
    {
     "fact": "Applicants must own and occupy the dwelling; for a grant, be 62 or older at application; household adjusted income must not exceed the applicable very low-income limit; be unable to get credit at reasonable terms elsewhere. Elderly families must use net family assets over $20,000 (non-elderly over $15,000) to reduce the request; the dwelling and a minimum adequate site do not count.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.103(a)-(e)",
     "checked": "2026-10-27",
     "unknowns": [
      "The very low-income limit for each county was not read.",
      "The definition of 'elderly family' (7 CFR 3550.10) was not read; the page uses USDA's term."
     ]
    },
    {
     "fact": "Loans may be made only in rural areas designated by RHS.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.105(a)",
     "checked": "2026-10-27"
    },
    {
     "fact": "Maximum loan: set by the Agency, no greater than 20% of the national average area loan limit; maximum lifetime grant: no more than 10% of the national average area loan limit.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.112(a),(c)",
     "checked": "2026-10-27",
     "unknowns": [
      "The dollar amounts the agency sets were not read today (rd.usda.gov 403); the page says 'check'."
     ]
    },
    {
     "fact": "Loans: 1 percent interest, 20-year repayment.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.113",
     "checked": "2026-10-27"
    },
    {
     "fact": "A grant must be repaid in full if the property is sold in less than 3 years from the grant agreement.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.114",
     "checked": "2026-10-27"
    },
    {
     "fact": "Applications are accepted even when funds are not available; selected requests are funded first come, first served.",
     "source": "https://www.ecfr.gov/current/title-7/part-3550/subpart-C",
     "cite": "7 CFR 3550.104",
     "checked": "2026-10-27"
    },
    {
     "fact": "USDA address lookup for single-family housing eligibility (rural area check).",
     "source": "https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfpd",
     "cite": "USDA Income and Property Eligibility site",
     "checked": "2026-10-27"
    },
    {
     "fact": "The Eldercare Locator connects older adults and caregivers to Area Agencies on Aging (AAAs) and services that help older adults live well and independently at home; call or text 1-800-677-1116.",
     "source": "https://eldercare.acl.gov/",
     "cite": "eldercare.acl.gov home page",
     "checked": "2026-10-27"
    }
   ]
  },
  {
   "id": "where",
   "name": "Where to ask",
   "rows": [
    {
     "fact": "SHIP: local, one-on-one Medicare counseling from a trusted, unbiased source; 'Find Your Local SHIP'.",
     "source": "https://www.shiphelp.org/",
     "cite": "shiphelp.org home page",
     "checked": "2026-10-27"
    },
    {
     "fact": "Eldercare Locator, a public service of the Administration for Community Living: call or text 1-800-677-1116.",
     "source": "https://eldercare.acl.gov/",
     "cite": "eldercare.acl.gov home page",
     "checked": "2026-10-27"
    },
    {
     "fact": "SNAP: apply in the state where you live, through the state agency.",
     "source": "https://www.fna.usda.gov/snap/recipient/eligibility",
     "cite": "USDA, SNAP eligibility; state directory https://www.fna.usda.gov/snap/state-directory",
     "checked": "2026-10-27"
    }
   ],
   "name_es": "Dónde preguntar"
  },
  {
   "id": "pointers",
   "name": "Pointers to other medfrail pages (rows live there)",
   "rows": [
    {
     "fact": "Heating and cooling bills (LIHEAP), weatherization and repair: https://www.medfrail.com/home-help (rows in /home-help.json).",
     "checked": "2026-10-27"
    },
    {
     "fact": "Medicaid, PACE, HCBS waivers and long-term care at home: https://www.medfrail.com/home-care (rows in /home-care.json).",
     "checked": "2026-10-27"
    }
   ],
   "name_es": "Otras páginas de medfrail (los datos están allí)"
  }
 ]
}