Va disability 55 year old rule - A little bit of background 6 years active in the Navy.

 
If you are age 55 or over and are no longer able to work full-time, please do not hesitate to contact us for a free evaluation of your disability claim. . Va disability 55 year old rule

Heres an example of how a veteran is protected from a VA reevaluation for PTSD Scenario A Veteran born on March 7, 1963, claims a VA PTSD increase from 50 to 70, which is currently rated at 50. The VA is legally entitled to require you to have a re-evaluation and its vital that you agree to the re-evaluation to keep receiving your benefits. The DIC program would be more equitable if survivors were eligible for a partial DIC benefit based on the number of years the veteran was rated 100 percent disabled by the VA, said Villanueva. The area we want to focus on is the non-temporary kind. This includes veterans who will be 55 by the date of a future examination, according to the VA Adjudication Procedures Manual. February 15th 2022. Maybe one of the pro&x27;s will come around and shed some more light on this issue. VA 20 Year Rule The VA 20 year rule means if your rating has been in effect for 20 years or more, the VA cannot reduce it below the lowest rating it has held for the previous 20 years. Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future . Rating Reduction Rules Protections. Feel free to call our office or send us a message via the contact form located in the. If youre the surviving spouse, child, or parent of a service member who died in the line of duty, or the survivor of a Veteran who died from a service-related injury or illness, you may be able to get a tax-free monetary benefit called VA Dependency and Indemnity Compensation (VA DIC). wy; as. VA 20 Year Rule The VA 20 year rule means if your rating has been in effect for 20 years or more, the VA cannot reduce it below the lowest rating it has held for the previous 20 years. Level of aggravation means how much worse your preservice disability got because of your military service. 20002006 were to veterans aged 65 or older. CRDP awards veterans their full military retirement pay along with their full disability compensation payment. Suppose you have any questions, troubles, or disputes regarding your VA rating, disability claim, the 20-year rule, eligibility criteria, or retroactive compensation for. In another case, a 56-year-old man applied for disability because of mild emphysema. A 10 disability rating brings in 133. VA REEXAMINATIONS Reexaminations To Determine Degree of Disability (38 C. 10 Year Disability Rating Protection 5 Year disability rating protection Veterans over Age 55 Veterans who receive a disability rating at the age of 55 or greater are protected from a decrease in that rating, as long as they were age 55 at the time of the C&P exam that the VA used to assign the rating. Dec 13, 2018 Second, VA must determine that veterans&39; disabilities prevent them from maintaining substantially gainful employmentfor instance, if their employment earnings would keep them below the poverty threshold for one person. There are only a few types of protected ratings, and they are all described below. As such, you are correct, at age 55, the DoVA VBA shall no longer schedule any further examination (s) which is indicative of a P&T rating at that particular point in time. 5 were 50-59 years old. Veteran is 55 years old or older. When the cancer is cured, we are allowed to recover and rehabilitate at that 100 rate and then we&39;re reexamined to determine a final rating. gt Back. I have no answers. The disability from disease is permanent in character and of such nature that there is no likelihood of improvement; You are over 55 years of age, although some exceptions may apply; The rating you received is the prescribed minimum rating; or If a lower rating would not affect your combined disability rating. 4 de ago. A similar rule, the "10-Year Rule" says a condition cannot be reduced after being compensated for a full decade unless there is medical evidence of improvement of the condition. There is a slight catch. 327 (a). Most review exams for temporary evaluations are required by regulation. Apr 10, 2019 Myth VA Disability Compensation benefits arent worth that much. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. Whether you choose to contact the VA office online or via phone, you can quickly get the status of your claim. Last updated August 21, 2017. They have much too big of a backlog to be going on such fishing expeditions. 327(b)(2), the VA can&39;t send you to a re-examination if the disability has been as established asVA can&39;t send you to a re-examination if the disability has been as. Yes, Knee Pain is a VA disability, and it can be rated at 10, 20, or 30 depending on the severity of your symptoms. In any case, the VA cannot terminate your benefits unless you first receive a notice from the VA telling you about your right to have a hearing. Typically, for disability benefits, you have to show that you cant work. Being 55 does NOT prevent the Veteran&x27;s conditions from being re-examination. Press question mark to learn the rest of the keyboard. The 20 Year Rule protects a veterans disability rating from being reduced below. The longer that rating has been in place, the stricter the rules are for the VA , VA -certified disability benefits lawyer Cecilia Santostefano said. 11 de nov. Determine half of adjusted income. February 15th 2022. VA&x27;s-55 Year Rule Veterans who are over the age of 55 are protected from rating reductions in many situations. If I understand it correctly, the VA 20-year rule states that they cannot downgrade your percentage. The VA cant deny a service-connected disability rating once its in effect for 10 years. To find your Residual Functional Capacity (RFC) level, which is the most you can still do despite your limitations. The 55-Years-Old Rule. (iv) In cases of veterans over 55 years of age, except under unusual circumstances; (v) When the rating is a prescribed scheduled minimum rating; or (vi) Where a combined disability evaluation would not be affected if the future examination should result in reduced evaluation for one or more conditions. When we have a service connected cancer, we are rated at 100 temporary. Cruiser Guldolphin 8,934 4,226 19. What is the VA 55 year old rule Veterans are protected from rating. 327(b)(2), the VA can&39;t send you to a re-examination if the disability has been as established asVA can&39;t send you to a re-examination if the disability has been as. The VA may do a typical outpatient C&P exam or require a hospital observation period. Also, there is a 10 year rule for DIC purposes for the spouse. The VA cant deny a service-connected disability rating once its in effect for 10 years. What is the VA 55 - year - old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. (iv) In cases of veterans over 55 years of age, except under unusual circumstances; (v) When the rating is a prescribed scheduled minimum rating; or (vi) Where a combined disability evaluation would not be affected if the future examination should result in reduced evaluation for one or more conditions. The 5-Year Rule. In December 2021, 42 of people on disability were 60-66 years old, and 36. What is the 55-Year Old Rule Are Your VA Ratings Protected. The rule of 55 is an IRS guideline that allows you to avoid paying the 10 early withdrawal penalty on 401(k) and 403(b) retirement accounts if you leave your job during or after the calendar year. 38 CFR 3. The Department of Veterans Affairs can reduce or terminate your disability benefits under some circumstances, but they cant unless you are requested to appear for a re-examination. As gmurphy pointed out the 5 year rule is for a condition that has been static for that amount of time and is "considered" to be permanent. I have no answers. These rules are embodied in the Medical-Vocational Guidelines, which are used by the. If you receive a letter from the VA asking you to attend a VA examination for the purpose of evaluating your disability rating, this likely means the VA has decided the medical evidence on file does not support a continuation of your benefits at their current rate. increased benefits, VA may deny the claim. We use your disability rating to determine how much disability compensation youll receive each month, as well as your eligibility for other VA benefits. 28 1,326. Answer (1 of 2) 38 CFR 3. A) The retiree has had a service-connected disability rated by the VA as totally disabled for a continuous period of 10 or more years; or. The VA can not eliminate a rating that has been consistent for 10 years or more unless there is proof of fraud. The rule of 55 is an IRS guideline that allows you to avoid paying the 10 early withdrawal penalty on 401(k) and 403(b) retirement accounts if you leave your job during or after the calendar year. I don&39;t personally see the over 55 rule as being significant. In another example, a 57 year old woman applied for disability benefits due to degenerative joint disease in her right shoulder and right knee. the disability has been as established as static or is of a permanent nature with no likelihood of improvement when the veteran&x27;s symptoms haven&x27;t shown improvement for five years or more the veteran is over the age of 55 the rating for the disability falls under a regulated scheduled minimum rating, or. What is the VA 55-year-old rule. Periodic future C&P exams, which happen every 2 to 5 years, can result in a higher or lower VA rating or one that stays the same. This is a case-by-case determination. I wouldnt say that. Protected Benefits. Generally, the VA disability 5 year rule means the VA can reevaluate your existing VA disability rating within 5 years of your initial . These are disabilities caused by injuries that occurred or were aggravated during your service. Bear in mind that if you seek an increased disability rating after the one-year appeal timeframe has expired, . If you are continuing to get treatment and suffer from a service. The Social Security Administration (SSA) may initially decide a case for people between the age of 55 and 59 based upon the Medical-Vocational Guidelines. The Tea Kettle The Tea Kettle is a place of Herbal and Green tea with 60 Minimum Investment Rs. The improvement in the disability must be reflected in the veterans. Hmm, since you are currently not working, it may be beneficial for you to submit the VA Form 21-8940 now and the DoVA VBA may grant the increased 100 P&T rating. We use your disability rating to determine how much disability compensation youll receive each month, as well as your eligibility for other VA benefits. Are All 100 VA Ratings Protected No, all 100 percent VA disability ratings are not automatically protected. The VA may require reexamination of a veteran who is receiving service-connected compensation. He had an 10 th grade education and had worked his whole life as a waterman. This includes veterans who will be 55 by the date of a future examination, according to the VA Adjudication Procedures Manual. Case study 2 Over 55 Grid Rules. 6 de nov. 17 per month in disability compensation (FY16 rates). Aug 14, 2020 Additionally, Social Security found that here were no transferable skills. What is the VA 55-year-old rule. Being 55 does NOT prevent the Veteran&39;s conditions from being re-examination. de 2022. If you are age 55 or over and are no longer able to work full-time, please do not hesitate to contact us for a free evaluation of your disability claim. 10 Year Disability Rating Protection 5 Year disability rating protection Veterans over Age 55 Veterans who receive a disability rating at the age of 55 or greater are protected from a decrease in that rating, as long as they were age 55 at the time of the C&P exam that the VA used to assign the rating. 327 (a). He would then receive 1,326. Protected ratings that are based on the length. 5, 2021, a veteran&39;s surviving spouse who remarries after the veteran&39;s death will remain eligible for the benefit paid by the VA if the spouse is at least 55 years old. DAV is calling for the 10-year rule to be reduced and updated to account for the length and severity of the veterans disabilities. Veteran is 55 years old or older. Determine if shelter costs are more than half of adjusted income. Just as well, if the Veteran claims something on a secondary basis. Choose a language. What is the VA 55 year old rule Veterans are protected from rating reductions if they are over the age of 55. 110) 34 FR 11970 , July 16, 1969, as amended at 57 FR 10426 , Mar. If you are a veteran, one of the greatest available benefits is access to a low-cost education post-service. Specifically, it states that if you are 55 years old then federal guidelines dictate that you should be exempt from reexamination, except in rare circumstances or by regulation. Quote 0 harry59 Second Class Petty Officers 63 Author Posted November 23, 2020 Thank you for the reply, and the reference. Stabilized ratings are for conditions that have been continuously rated for 5 years or more at the same. Tune in to learn about the VA disability 55-year rule. Only applicants aged 18-64 can qualify for SSD benefits. The VA under (a) General can do a reexamination when it questions the disabilties existence or serverity, etc. If you are an applicant for disability between the ages of 55 and 59 who cant perform your prior job and your condition doesnt meet an impairment listing, the Social Security Administration will refer to the grid rules (see below) to determine if youre disabled. 20 de dez. VA reexamines veterans with disability ratings occasionally to determine if their . gt Back. The VA may require reexamination of a veteran who is receiving service-connected compensation. But this monthly payment is also indexed to inflation, meaning it can increase over time. What is the VA 55 year old rule Veterans are protected from rating reductions if they are over the age of 55. This is the current statutelaw on the Eight Year Rule "&167; 1207a. VA disability ratings are governed by VA rules in a variety of ways. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. Level of aggravation means how much worse your preservice disability got because of your military service. Checks these medical records like hungry vouchers and Walla sends out the propose reduction letter. These rules are embodied in the Medical-Vocational Guidelines, which are used by the. The 5-Year Rule. This helps the VA properly rate. de 2022. The only way VA can reduce a continuous disability rating is by demonstrating that it was obtained by fraud. The VA disability 5-year rule says that a Veteran cannot have their rating reduced if their condition has not improved in the first 5 years after they received their initial rating for the condition. 16, on average. These rules are embodied in the Medical-Vocational Guidelines, which are used by the. 50 (half of income) 238. The Social Security Administration has special rules for claimants age 55 and over. If you&39;re over 55, your rating is ostensibly protected since veterans past that age are exempt from periodic future examinations. Veteran is 55 years old or older. Veterans with service-connected disabilities who receive VA compensation can be subject to re-evaluation as part of something called the . The only way VA can reduce a continuous disability rating is by demonstrating that it was obtained by fraud. We assign you a disability rating based on the severity of your service-connected condition. Are All 100 VA Ratings Protected No, all 100 percent VA disability ratings are not automatically protected. Notice of Re-Examination. 24, 1961, as amended at 30 FR 11855, Sept. Protected Benefits. 1,023 - 300 excess medical expenses 723. Applicants Ages 55 to 60 When a claimant is age 55 to 60, then the SSA will analyze the age, past work experience, education level, and performance in less demanding work. The VA may require reexamination of a veteran who is receiving service-connected compensation. Second, the veteran must be able to show that his or her disability. 10-year rule. 16, 1965; 36 FR 14467, Aug. When disabled veteran reaches the age of 65 years or above got the service-connected disability are eligible for the elderly benefit. The second of the 55 community rules pertains to the remaining members of the householdspouses, partners, and children. The Rule of 55 only applies to assets in your. Learn what happens when you. The disability has been in place for 10 years or more. that&39;s a common myth that veterans have spread for years. The VA letter will explain that you must attend a VA examination for the purpose of evaluating your disability rating. The Social Security Administration has special rules for claimants age 55 and over. Other situations in which future examinations may not be needed include. Determine half of adjusted income. find the row that describes your level of education and prior work experience. Apr 05, 2018 Veteran Affairs building near the White House in Washington is shown on Feb. The VA under (a) General can do a reexamination when it questions the disabilties existence or serverity, etc. A similar rule, the "10-Year Rule" says a condition cannot be reduced after being compensated for a full decade unless there is medical evidence of improvement of the condition. This provision allows for reexamination to ascertain whether. · Veteran has a static disability. 327(b)(2), the VA can&39;t send you to a re-examination if the disability has been as established asVA can&39;t send you to a re-examination if the disability has been as. Tune in to learn about the VA disability 55-year rule. Jan 07, 2022 &183; Virginia Tech will dissolve its 55-year-old Student Government Association to create a new undergraduate senate aimed at increasing participation and diversity, the university said. What is the 55-Year Old Rule Are Your VA Ratings Protected. A federal court ruling could ease eligibility rules for thousands of injured veterans seeking disability. 10-year rule. Notice of Re-Examination. In this video, Retired Air Force Veteran Ed Ruckle, will introduce you to the 55-year old rule. 72 as his military retirement pay (2,000 673. Long process. What is the VA 55 year old rule Veterans are protected from rating reductions if they are over the age of 55. About VA DIC for spouses, dependents, and parents. Generally, reexaminations will be required if it is likely that a disability has improved, or if evidence indicates there has been a material change. 38 CFR 3. 55-year rule Any veteran who would be 55 by the date of their next examination is exempt from a reexamination. Specifically, it states that if you are 55 years old then federal guidelines dictate that you should be exempt from reexamination, except in rare circumstances or by regulation. Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future . Tune in to learn about the VA disability 55-year rule. Claimants in their 50s get. DAV is calling for the 10-year rule to be reduced and updated to account for the length and severity of the veterans disabilities. DAV is calling for the 10-year rule to be reduced and updated to account for the length and severity of the veterans disabilities. 38 CFR 3. Also, there is a 10 year rule for DIC purposes for the spouse. Keep reading to learn about the best veteran housing benefits. The VA can not eliminate a rating that has been consistent for 10 years or more unless there is proof of fraud. Again, the only exception to this rule is if the VA can prove fraud. There are several different types of 100 percent VA disability ratings, according to Department of Veterans Affairs Code 3. Determine if shelter costs are more than half of adjusted income. What is the VA 55-year-old rule. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. Apr 05, 2018 Veteran Affairs building near the White House in Washington is shown on Feb. See 3. First, the veteran must show that the evaluation under the disability rating schedule does not take into consideration the veterans level of disability and symptomatology. Learn what happens when you have had a disability rating for more than 5-years, the rules VA must follow if they wish to reduce your rating, and what. Department of Veterans Affairs (VA) cannot reduce a veterans disability rating if it has been in place for five years or more unless the condition shows sustained improvement over time. 110) 34 FR 11970 , July 16, 1969, as amended at 57 FR 10426 , Mar. free hd porn movie, ccp altoona

The VA can not eliminate a rating that has been consistent for 10 years or more unless there is proof of fraud. . Va disability 55 year old rule

Also, there is a 10 year rule for DIC purposes for the spouse. . Va disability 55 year old rule bad injector symptoms diesel smoke

Stabilized ratings are for conditions that have been continuously rated for 5 years or more at the same. This means the VA can not reduce a veterans disability rating unless there is clear and unmistakable evidence that the veterans condition has improved. 913 AM - May 04 3 VA no longer routinely does future review exams on folks over age 55, but the operative word there is "routinely. They still do review exams in cases where the evaluation is only a temporary one or there is indication of improvement. The DIC program would be more equitable if survivors were eligible for a partial DIC benefit based on the number of years the veteran was rated 100 percent disabled by the VA, said Villanueva. Calculating your combined disability rating. Do not reduce an individual disability evaluation that has been continuously rated at or above the current level for 20 years or more except in the case of fraud per 38 CFR 3. 16, 1965; 36 FR 14467, Aug. What is the 55-Year Old Rule Are Your VA Ratings Protected. Tune in to learn about the VA disability 55-year rule. 16 de dez. VA Disability Ratings and Rules. In another case, a 56-year-old man applied for disability because of mild emphysema. if i am 55 or older can the VA still reduce my rating i just read about it on legal website. 10-year rule. The VA may require reexamination of a veteran who is receiving service-connected compensation. There is no "over 55" rule. de 2022. Periodic future C&P exams, which happen every 2 to 5 years, can result in a higher or lower VA rating or one that stays the same. What is the 55-Year Old Rule Are Your VA Ratings Protected. The longer that rating has been in place, the stricter the rules are for the VA , VA -certified disability benefits lawyer Cecilia Santostefano said. When the cancer is cured, we are allowed to recover and rehabilitate at that 100 rate and then we&39;re reexamined to determine a final rating. Being 55 does NOT prevent the Veteran&x27;s conditions from being re-examination. The 55 Year Rule applies to veterans over the age of 55. What it does do, is it prevents the VA from establishing regularly scheduled reexaminations. (iv) In cases of veterans over 55 years of age, except under unusual circumstances; (v) When the rating is a prescribed scheduled minimum rating; or (vi) Where a combined disability evaluation would not be affected if the future examination should result in reduced evaluation for one or more conditions. If you would like to get a social security disability review and you are over the age of 50 or 55 or 60, then please give us a call today at (888) 324-7734. Your rating will remain protected from any possibility of rate reduction. He would receive 673. This includes veterans who will be 55 by the date of a future examination, according to the VA Adjudication Procedures Manual. This is a case-by-case determination. 17 per month in disability compensation (FY16 rates). Specifically, it states that if you are 55 years old then federal guidelines dictate that you should be exempt from reexamination, except in rare circumstances or by regulation. Typically, for disability benefits, you have to show that you cant work. When the cancer is cured, we are allowed to recover and rehabilitate at that 100 rate and then we&39;re reexamined to determine a final rating. First, the veteran must show that the evaluation under the disability rating schedule does not take into consideration the veterans level of disability and symptomatology. 1490 Lafayette St, STE 400 Denver, CO 80218 infovinerlaw. The total amount still equals 2,000 per month. There is no "over 55" rule. THE 55 YEARS OLD RULE - Applies to veterans over the age of 55. Determine half of adjusted income. The 20-year period will be computed from the effective date of the evaluation to the effective date of reduction of evaluation. There are only a few types of protected ratings, and they are all described below. Despite this rule, the VA routinely violates the VA Disability 55 Year Old Rule by ordering examinations for veterans over 55 and then reducing their VA disability rating based on the results of these exams. Tune in to learn about the VA disability 55-year rule. The total amount still equals 2,000 per month. There are only a few types of protected ratings, and they are all described below. ) the evaluation is the prescribed scheduler minimum within its diagnostic code. The laws and regulations that apply when a retiree is . 723 adjusted income2 361. I don't personally see the over 55 rule as being significant. Join CCK as we break down the VA disability 5-year rule Some VA ratings are protected in one way or another from being reduced. 20 de dez. 50 (half of income) 238. Dec 13, 2018 In 2016, about 87 percent of veterans who received VA&39;s disability compensation and who were age 67 or older were out of the labor market. The higher your rating, the larger the monthly compensation payment. , stabilized rating);; The disability from disease is . At the age of 65 years, the veteran retires but still, he can get the VA disability benefits suc as disability payment of veterans affairs. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. Compare eligibility and benefits rules for Social Security Disability. Quote 0 harry59 Second Class Petty Officers 63 Author Posted November 23, 2020 Thank you for the reply, and the reference. de 2020. Applicants Ages 55 to 60 When a claimant is age 55 to 60, then the SSA will analyze the age, past work experience, education level, and performance in less demanding work. If you can no longer do the sort of work you have done in the past, then Social Security must take your age into account when considering whether or not you can do other work. Aug 14, 2020 Additionally, Social Security found that here were no transferable skills. In one case, a 57-year-old woman applied for disability based her diabetes. As a general rule, the older you are, the easier it is to get Social Security Disability Insurance (SSDI) benefits or Supplemental Security Income (SSI). A little bit of background 6 years active in the Navy. May 19, 2022 What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. 18 de ago. Over 55 years old at the time of the examination, and not otherwise warranted by unusual circumstances or regulation; Permanent disability not likely to improve; Disability without substantial improvement over five years; Claims folders contain updated medical evidence sufficient to continue the current disability evaluation without additional. Again, the only exception to this rule is if the VA can prove fraud. Sep 01, 2004 Here is the regulation. VA reexamines veterans with disability ratings occasionally to determine if their conditions have impr. This happens either if you are 70 years or older or you have received TDIU benefits for 20 years or more consecutively. When a surviving spouse remarries after age 55, but prior to age 57, DIC payments stop and SBP payments may be reinstated. Not able to subsides income. This is a case-by-case determination. Case study 2 Over 55 Grid Rules. Other situations in which future examinations may not be needed include. In the United States, there is no standard legal definition of military veteran and benefits for veterans didnt experience creation at one single time. Department of Veterans Affairs 810 Vermont Avenue, NW Washington DC 20420. The 5 Year Rule Is Only the Beginning of Disability Protections. Sep 01, 2004 Here is the regulation. If a veteran is in local, state or federal prison for more than 60 days while receiving veterans disability, the VA can reduce your benefits. But, not every veterans disability rating is scheduled for a reexamination, and not every rating will change. Second, the veteran must be able to show that his or her disability. i am not t and p. The 5 Year Rule Is Only the Beginning of Disability Protections. find the row that describes your level of education and prior work experience. Veteran housing benefits can serve as a solid form of assistance for veterans who struggle with maintaining a stable place to live. 43 (c)). You can do this in one of three ways Call our toll-free telephone number, 1-800-772-1213. de 2022. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. Most review exams for temporary evaluations are required by regulation. What is the VA 55-year-old rule Veterans who receive VA disability benefits for service-connected conditions are exempt from periodic future examinations once they turn 55 years old. 30 percent of the loan amount, provided youre not making a down payment. To find your Residual Functional Capacity (RFC) level, which is the most you can still do despite your limitations. Maybe one of the pro&x27;s will come around and shed some more light on this issue. When the cancer is cured, we are allowed to recover and rehabilitate at that 100 rate and then we&39;re reexamined to determine a final rating. for a veteran whose disability is likely to improve over the years. Never worked with VA at any time except for loan guarantee. Effects on the Budget By the Congressional Budget Office's estimates, the savings from this option would be about 11 billion between 2020 and 2028. Determine if shelter costs are more than half of adjusted income. . sfm potn