1. Total Countable Unearned
Income Calculations
Total Countable Unearned
Income Calculations 
SSDI Unearned Income 
$859 
Minus General Exclusion 
20 
Total Countable Income Available for Pass Investment 
$839 
Rodney needs $7,120 for his down payment. It will take him about 81/2
months to accrue this amount through his PASS.
2.A person with earned income.
Total Countable Earned
Income Calculations 
Earned Income Before Taxes 
$850.00 
Minus General Exclusion 
20.00 
Minus Earned Income Exclusion 
 65.00 
Total 
$765.00 
Divide by 2 
divide by 2 
Total Countable Earned Income 
$382.50 


Revised Countable Income
Calculations 
Total Countable Income 
$382.50 
Minus PASS investment 
 382.50 
Revised Total Countable Income 
$ 0 


SSI Benefit Calculation 
Federal Benefit Rate 
$564.00 
Minus Revised Total Countable Income 
 0 
SSI Cash Benefit 
$564.00 


PASS Investment 
$382.50 


Usable Discretionary Income
Calculations 
Earned Income Before Taxes minus Countable Earned
Income 
$467.50 
SSI Cash Benefit 
$564.00 
Usable Discretionary Income 
Medicaid + $1,031.50 


Dividing $2,980 (cost of school) by $382.50, which is the amount available
for a PASS, indicates that Sarah could pay for her education with 8
months of PASS. But she could also include other necessary items in
the PASS during her 24 months of education PASS eligibility. For example,
the total amount of PASS money available for her over the 2year period
is $9,180 ($382.50 per month). This money could be used to pay for transportation,
clothes, or some other item or service to help her through school.
3. First, Deb should put at least $3,300 ($3,500 + $1,800  $2,000)
into the PASS to maintain her SSI and Medicaid eligibility (remember
the resource limit is $2,000 for a single person). Her monthly discretionary
income stays the same, but she now has $343 to invest towards her education.
This is a situation where the complexities of the SSI
program could be involved. Is the $3,500 received as a “back
payment check” retroactive SSI? If so, it will not “count”
as a resource for 6 full months after receipt. If it is another
kind of income, the receipt of it–as opposed to the continued
possession of it–may have an impact on Deb’s SSI. In
which case she may want to set the whole countable part into the
PASS to avoid overpayment or payment reduction for one month. If
this were a private disability payment, for instance, by only setting
aside $3,300, she will lose $180 in SSI, as the part not invested
in the PASS is countable unearned income. If this backpayment check
is wages, which is unlikely, Social Security uses the regular earned
income exclusion. 
Before Pass:
Total Countable Earned
Income Calculations 
Earned Income Before Taxes 
$705.00 
Minus General Exclusion 
20.00 
Minus Earned Income Exclusion 
 65.00 
Total 
$620.00 
Divide by 2 
divide by 2 
Total Countable Earned Income 
$310.00 


SSI Benefit Calculation 
Federal Benefit Rate 
$564.00 
Minus Total Countable Earned Income 
310.00 
SSI Cash Benefit 
$254.00 


Discretionary Income 
Earned Income Before Taxes 
$705.00 
SSI Cash Benefit 
$254.00 
Total 
Medicaid + $959.00 


After PASS:
Total Countable Earned
Income Calculations 
Earned Income Before Taxes 
$705.00 
Minus General Exclusion 
20.00 
Minus Earned Income Exclusion 
 65.00 
Total 
$620.00 
Divide by 2 
divide by 2 
Total Countable Earned Income 
$310.00 


Revised Countable Income
Calculations 
Total Countable Income 
$310.00 
Minus PASS investment 
 310.00 
Revised Total Countable Income 
$ 0 


SSI Benefit Calculation 
Federal Benefit Rate 
$564.00 
Minus Revised Total Countable Income 
 0 
SSI Cash Benefit 
$564.00 


PASS Investment 
$310.00 


Usable Discretionary Income
Calculations 
Earned Income Before Taxes minus Countable Earned
Income 
$395.00 
SSI Cash Benefit 
$564.00 
Usable Discretionary Income 
Medicaid + $959.00 


4. Calculations for a person with earned and unearned income:
Total Countable Earned
Income Calculations 
Earned Income Before Taxes 
$750 
Minus Earned Income Exclusion 
 65 
Total 
$685 
Divide by 2 
divide by 2 
Total Countable Earned Income 
$342.50 


Total Countable Unearned
Income Calculations 
SSDI 
$768 
Minus General Exclusion 
 20 
Total Countable Unearned Income 
$748 


Total Countable Income
Calculations 
Total Countable Earned Income 
$342.50 
Total Countable Unearned Income 
+ 748.00 
Total Countable Income Available for PASS investment 
$1090.50 


Revised Countable Income
Calculations 
Total Countable Income 
$1090.50 
Minus PASS investment 
 1090.50 
Revised Total Countable Income 
$ 0 


SSI Benefit Calculation 
Federal Benefit Rate 
$564 
Minus Revised Total Countable Income 
 0 
SSI Cash Benefit 
$564 


PASS Investment 
$1090.50 


Usable Discretionary Income
Calculations 
Earned Income Before Taxes minus Countable Earned
Income 
$407.50 
SSI Cash Benefit 
$564.00 
Usable Discretionary Income 
Medicaid + $971.50 


5. It will take Chuck 31 months to purchase the machine. His SSI payment
is $564.
Total Countable Earned
Income Calculations 
Projected Earned Income Before Taxes 
$900 
Minus General Exclusion 
20 
Minus Earned Income Exclusion 
 65 
Total 
$815 
Divide by 2 
divide by 2 
Total Countable Earned Income 
$407.50 


Revised Countable Income
Calculations 
Total Countable Income 
$407.50 
Minus PASS investment 
 407.50 
Revised Total Countable Income 
$ 0 


SSI Benefit Calculation 
Federal Benefit Rate 
$564 
Minus Revised Total Countable Income 
 0 
SSI Cash Benefit 
$564 


PASS Investment 
$407.50 


Usable Discretionary Income
Calculations 
Earned Income Before Taxes minus Countable Earned
Income 
$492.50 
SSI Cash Benefit 
$564.00 
Usable Discretionary Income 
Medicaid + $1056.50 


6. Working (employed)
