What is acceptable as “Proof of Income”? (MA)

(I would have used the “Individual/Marketplace” flair as well, if I could. It’s complicated)

I need to provide proof of income to the health connector (Massachusetts). They have approved my eligibility (for medicaid/masshealth) based on my 2020 income. They have my 2020 federal tax return.

However my income (from investments) has increased to around 190% FPL, which is ACA territory.

This is complicated(?) by the fact that I was previously approved as eligible for masshealth “standard”, I believe due to my disability (schizophrenia) as well as my low income (50% FPL) prior to 2021.

The form letter they mailed me asks for the following three items:

– “Proof of income from Interest, Dividends, or Other Investment Income”
– ditto (They repeat the bullet point)
– “Proof of Retirement or Pension Income from Inherited IRA”

I think I know what to mail them for the last bullet point: namely monthly “Payment confirmation” notices that TIAA sends out.

The other two bullet points refer to (and I’m guessing) interest income from bank accounts as well as dividends (taxable) from a Vanguard brokerage account.

I don’t know what they will accept as proof. I’d rather not mail them my bank and brokerage statements (complete with account numbers), unless I have to.

Has anyone else been down this road and knows just what they will accept?

If it were only the ACA plan that mattered, I’m not sure but maybe it would be allowable to just send them the federal return once a year, as the IRS gets to decide how much APTC you qualified for that year…

But masshealth (medicaid) wants to know when *anything* changes, ideally within about 10 days of the change. (Yes, I have been mailing stuff to them all year so far)

I have bounced between medicaid and ACA a couple times already this year. It seems that masshealth tends to override the ACA eligibility, but they never explain this to me so it’s just a guess.

I’ve tried sending stuff in the past but it’s been hit or miss whether they will accept the documents.

Should I stop worrying about financial privacy and just mail them unredacted account statements for everything?

Rant follows:

The above account has been abridged considerably.

I’ve been on the phone with them for hours just in 2021 so far.

And even when they do accept something they never actually tell you *which* of the many things you mailed them did the trick.

Every time I phone them they try to be helpful but they don’t really have good answers. (They mostly fall back on reading the list of “acceptable documents” which is mailed with every notice asking for proofs.)

They have never been able to tell me what is wrong with the stuff I send that gets rejected, or even which specific documents were rejected.

I feel like I’m throwing stuff at the wall and hoping something sticks, in an room with no illumination. I hate this frustration.

submitted by /u/shedsnake
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(I would have used the “Individual/Marketplace” flair as well, if I could. It’s complicated) I need to provide proof of income to the health connector (Massachusetts). They have approved my eligibility (for medicaid/masshealth) based on my 2020 income. They have my 2020 federal tax return. However my income (from investments) has increased to around 190% FPL, which is ACA territory. This is complicated(?) by the fact that I was previously approved as eligible for masshealth “standard”, I believe due to my disability (schizophrenia) as well as my low income (50% FPL) prior to 2021. The form letter they mailed me asks for the following three items: – “Proof of income from Interest, Dividends, or Other Investment Income” – ditto (They repeat the bullet point) – “Proof of Retirement or Pension Income from Inherited IRA” I think I know what to mail them for the last bullet point: namely monthly “Payment confirmation” notices that TIAA sends out. The other two bullet points refer to (and I’m guessing) interest income from bank accounts as well as dividends (taxable) from a Vanguard brokerage account. I don’t know what they will accept as proof. I’d rather not mail them my bank and brokerage statements (complete with account numbers), unless I have to. Has anyone else been down this road and knows just what they will accept? If it were only the ACA plan that mattered, I’m not sure but maybe it would be allowable to just send them the federal return once a year, as the IRS gets to decide how much APTC you qualified for that year… But masshealth (medicaid) wants to know when *anything* changes, ideally within about 10 days of the change. (Yes, I have been mailing stuff to them all year so far) I have bounced between medicaid and ACA a couple times already this year. It seems that masshealth tends to override the ACA eligibility, but they never explain this to me so it’s just a guess. I’ve tried sending stuff in the past but it’s been hit or miss whether they will accept the documents. Should I stop worrying about financial privacy and just mail them unredacted account statements for everything? ​ Rant follows: The above account has been abridged considerably. I’ve been on the phone with them for hours just in 2021 so far. And even when they do accept something they never actually tell you *which* of the many things you mailed them did the trick. Every time I phone them they try to be helpful but they don’t really have good answers. (They mostly fall back on reading the list of “acceptable documents” which is mailed with every notice asking for proofs.) They have never been able to tell me what is wrong with the stuff I send that gets rejected, or even which specific documents were rejected. I feel like I’m throwing stuff at the wall and hoping something sticks, in an room with no illumination. I hate this frustration.
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