My Sched J currently has $300 under Medical. I can't quite determine what is the maximum. Our 12 yr old was recently diagnosed with diabetes so we have new expenses to deal with now, but don't have a true idea yet of what costs will be. How large can I make this expense? Family of 6.
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The Means Test amount is $60 per person. You can exceed it, but may need to document your expenses. I would recommend doing your best to "project" expenses based on what you pay now per month.
You should have an rx for insulin including the dosage & you should be able to do the math to calculate how much she uses per day & then per month (or 90 days if that's how your rx arrives), glucose, emergency glucagon injection, test strips, alcohol swabs, etc.
If she's on the pump, you can price out the reservoirs, tubing, etc at Minimed and then multiply that to get a monthly expense. That's what we did.
You can also bump up your food bill if you find that you have extra expense for sweetener, etc. Also factor in the regular visits to endo, the labwork, your deductible, etc. Don't forget all the OTC stuff - cold remedies, band-aids, allergy meds, aspirin, reading glasses, Icyhot, and so on. Also, check-ups as well as sick trip copays.There are two secrets for success in life:
1.) Never tell everything you know.
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debee -- Yes, that's a tough one right now. We have only filled a prescription for insulin once, and that wound up being free b/c of a coupon we had from the doctor. Right now he's not using even 1 pen cartridge a month, but who knows if/when that will change (this is a really long story, but we are in early stages yet). We have the state as secondary insurance, and they are supposed to pay what the primary insurance does not, but we couldn't get them to pay for the first insulin prescription b/c they wondered "why he needs the insulin". Um.... So we were waiting waiting waiting for them to approve it after the doctor faxed in the appropriate paperwork, and it was taking forever, and we wanted to have it on-hand, so we finally gave up and used the coupon. Thankfully we have another as well. Hopefully the secondary insurance has their act together now. However, we don't know how long we wil have that either, like if DH's income suddenly picks up, we won't qualify any more. But I guess what matters is what's going on right now, right?
We do have dental figured in :-)Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
"What I won't accept or buy any longer is that my credit score defines who I am. Screw that."
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Originally posted by chiwawa View PostI have a major dental work done it cost $5000. I will be filling the next 5 months can I use this for medical expense.
Thank you,
If you haven't had it done and it is "necessary" (as opposed to cosmetic), then you would divide it by 12 and list it as an upcoming expense. Be prepared to prove it (document from the dentist) in case you are asked by the trustee.
Good luck!There are two secrets for success in life:
1.) Never tell everything you know.
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Originally posted by NewPage View PostHowever, we don't know how long we wil have that either, like if DH's income suddenly picks up, we won't qualify any more. But I guess what matters is what's going on right now, right?There are two secrets for success in life:
1.) Never tell everything you know.
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Well, I hope so. My attorney's ass't sent me this Sched J. Thoughts?
1. Rent or home mortgage payment (include lot rented for mobile home) $ 730
a. Are real estate taxes included? Yes __x______ No ________
b. Is property insurance included? Yes ________ No ____x____
2. Utilities: a. Electricity and heating fuel $ 230
b. Water and sewer $ 55
c. Telephone $190
d. Other Garbage $ ____26______
3. Home maintenance (repairs and upkeep) $ __150_____
4. Food $ ___800__
5. Clothing $ ____100____
6. Laundry and dry cleaning $ _____0____
7. Medical and dental expenses $ ___300______
8. Transportation (not including car payments) $ ___450______
9. Recreation, clubs and entertainment, newspapers, magazines, etc. $ ___50_____
10.Charitable contributions $ ___15___
11.Insurance (not deducted from wages or included in home mortgage payments)
a. Homeowner’s or renter’s $ ____55_______
b. Life $ ___0______
c. Health $ ___630_____
d.Auto $ ____55_____
e. Other $ __dental $98_______
12.Taxes (not deducted from wages or included in home mortgage payments)
(Specify) $ ___175_____
13. Installment payments: (In chapter 11, 12, and 13 cases, do not list payments to be included in the plan)
a. Auto $____350_____
b. Other $ __(spouse credit $700)________
c. Other $ ____0__
14. Alimony, maintenance, and support paid to others $ ___0____
15. Payments for support of additional dependents not living at your home $ __0______
16. Regular expenses from operation of business, profession, or farm (attach detailed statement) $ _100______
17. Other $___0___
18. AVERAGE MONTHLY EXPENSES (Total lines 1-17. Report also on Summary of Schedules and,
if applicable, on the Statistical Summary of Certain Liabilities and Related Data) 5284
19. Describe any increase or decrease in expenditures reasonably anticipated to occur within the year following the filing of this document:
20. STATEMENT OF MONTHLY NET INCOME
a. Average monthly income from Line 15 of Schedule I $ 4716______
b. Average monthly expenses from Line 18 above $ __5284_____
c. Monthly net income (a. minus b.) $ ___-568_____Last edited by NewPage; 05-27-2011, 12:20 AM.Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
"What I won't accept or buy any longer is that my credit score defines who I am. Screw that."
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That was from some months ago, February I think. The monthly income now is down to $4125 on average.
Also, I see that bit about an changes reasonably expected to occur. Well, health insurance (we use 2 companies) almost inevitably goes up every July and August. Mine went up $100 last year! I dread what will happen this year. Can I have them put something about that in there?Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
"What I won't accept or buy any longer is that my credit score defines who I am. Screw that."
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Your food/clothing/laundry expenses seem quite low for a family of 6. You have a total of $900 listed, and you're allowed $1901/mo per IRS standards, though this also includes a "misc" expense which normally has to cover things like recreation, cell phones, etc.
Your health insurance doesn't come out of your paycheck?
You have medical/dental of $398 listed and IRS standard is $360 for a family of 6, so they may already request documentation for what you already have listed. IF you can document more though, by all means, list it!Filed Chapter 13 on 2-28-10. 341 completed 4/14/10. Confirmed 5/14/10. Lien strip granted 2/2/11
0% payback to unsecured creditors, 56 payments down, 4 to go....
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$1901 total? I know there's a page where I could find this info, but I'm tired and not thinking clearly. Could you point me to it? I would like to have our maximum or very near it for each category....
Health insurance -- my husband is self-employed, I am not employed. Premium for him & our 4 kids is $190, premium for me is $440. For the next few months, anyway *nail-biting in fearful anticipation of insurance rate letters*
Medical - I'm not sure, but I think the legal ass't must have put that figure in there. For dental, the $98 is our monthly dental insurance premium.
Thank you!Filed 5/31/11 341 & Report of No Distribution 7/28/11 Discharged & Closed!! 9/29/11
"What I won't accept or buy any longer is that my credit score defines who I am. Screw that."
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IRS standards here:
For dental, the $98 is our monthly dental insurance premium.Filed Chapter 13 on 2-28-10. 341 completed 4/14/10. Confirmed 5/14/10. Lien strip granted 2/2/11
0% payback to unsecured creditors, 56 payments down, 4 to go....
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Originally posted by NewPage View PostMy Sched J currently has $300 under Medical. I can't quite determine what is the maximum. Our 12 yr old was recently diagnosed with diabetes so we have new expenses to deal with now, but don't have a true idea yet of what costs will be. How large can I make this expense? Family of 6.8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9
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Your attorney should be able to tell you what your trustee will scurtinize. Mine put my medical at 125.00 a month for a single person and I was a nervouse wreck. He must have known the trustee fairly well because it was never questioned. I could have proved 40.00 a month. I would ask the atty.Filed CH 7 4/15/11
341 5/23/11
DISCHARGED & CLOSED ON 7/27/11
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Originally posted by sunshinepa View PostYour attorney should be able to tell you what your trustee will scurtinize. Mine put my medical at 125.00 a month for a single person and I was a nervouse wreck. He must have known the trustee fairly well because it was never questioned. I could have proved 40.00 a month. I would ask the atty.
also you're point about the allowable as opposed to actual, i really think your atty advising you did $125 as opposed to the $60 or $40 is also an indication of the inflated medical costs today.8/4/2008 MAKE SURE AND VISIT Tobee's Blogs! http://www.bkforum.com/blog.php?32727-tobee43 and all are welcome to bk forum's Florida State Questions and Answers on BK http://www.bkforum.com/group.php?groupid=9
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