An Overview of the Health Coverage Tax Credit
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1 An Overview of the Health Coverage Tax Credit
2 Agenda HCTC Overview How the HCTC Works What s New about the HCTC Support Material For You Questions 2
3 HCTC Overview Congress created the HCTC Program as part of the 2002 Trade Act. It was established to assist cover the cost of health care for: workers who lost their jobs due to trade retirees whose pensions were taken over by the Pension Benefit Guaranty Corporation (PBGC) 2002 Today 2002 Annual 65% HCTC Created & Administered 2003 Monthly HCTC Registration & Administration Continued Operational Improvements Economic Situation Greater Need and Ability for Us to Partner! Rising Cost and Availability of Health Care Expanded Legislation Today s environment requires a stronger partnership and increased coordination between the HCTC Program at its stakeholders. 3
4 The HCTC is available to individuals who: How the HCTC Works Eligibility STEP 1 Meet Initial Requirements: Trade-Affected (TAA, ATAA or RTAA certified) Pension Benefit Guaranty Corporation (PBGC) Recipient STEP 2 Meet General Requirements: Not enrolled in Medicare Not claimed as a dependant on another person s federal tax return STEP 3 Are enrolled in a Qualified Health Plan: COBRA State-Qualified Health Plans Spousal Coverage Non-group / Individual Health Plan 4
5 How the HCTC Works Eligibility State and local partners play an important role in HCTC! Meeting Initial Requirements: Individuals will only receive program information after a state or the PBGC sends an eligibility record to the HCTC Program This is often facilitated by a Rapid Response Team or at a One Stop Center TAA or ATAA Benefit Recipient Supporting Documents Submitted or State Workforce Agency Daily Monthly Transmits List of Potential Eligibles HCTC Program Sends Program Kit PBGC Pension Benefit Recipient HCTC Potentially Eligible Individuals Receive Materials 5
6 How the HCTC Works Monthly Program The monthly program allows participants to receive monthly assistance in paying health care premiums. Complete the registration form Repeated Monthly HCTC Process for Participants Pays 20% IRS Adds 80% Health Plan Receives 100% 6
7 How the HCTC Works Yearly Program The yearly HCTC allows eligible individuals to receive the tax credit upon filing their federal tax return. Yearly HCTC Process Individual Files Annual Tax Return & Form 8885 Individual Submits Proof of Payment and Insurance IRS Form Accepts 8885 $$$ Individual Receives Payment or Credit Against Taxes 7
8 What s New The Recovery Act* changed the HCTC: Greater Portion of Health Coverage Cost Paid Reimbursement for Payments Made During Enrollment Extended Coverage for Qualified Family Members Fewer Training Requirements COBRA Benefits Extended COBRA Subsidy Considerations *The legislation that changed the HCTC expires on December 31,
9 The HCTC now pays a greater portion of health coverage costs. What s New The tax credit has increased from 65% to 80% of qualified health insurance premiums. Beginning in May
10 Participants can receive a credit for premiums paid during enrollment. What s New Participants who made payments for qualified health insurance in 2009 while enrolling in the monthly program can receive a credit on their HCTC account. This change helps participants with the up-front out-of-pocket expenses for health insurance. Beginning in August
11 Qualified family members may continue receiving the HCTC for up to 24 months. What s New Qualified family members will be able to receive the HCTC even after the primary eligible individual s: Enrollment in Medicare Divorce Death Beginning in January
12 What s New The definition of an eligible TAA recipient has changed. More people may now be eligible to receive the HCTC. They may also be able to receive the tax credit more consistently. Beginning in March
13 What s New COBRA benefits have been extended for HCTC eligible individuals. TAA, ATAA and RTAA recipients can receive COBRA for as long as they continue to meet the definition of eligible individuals. PBGC benefit recipients and their family members can also receive COBRA for an extended period of time. Employers are responsible for extending COBRA benefits for these individuals. 13
14 The Recovery Act established a new 65% COBRA Subsidy Assistance Program. What s New Individuals who are involuntarily separated from their jobs on or after September 1, 2008 are eligible to receive the subsidy. If an individual receives a 65% COBRA subsidy through their former employer, the individual will not be eligible to receive the HCTC during that same month. The new COBRA subsidy program is different from HCTC. 14
15 Support For You The HCTC Program is here to help you. Contact us with questions or to order brochures - wi.hctc.stakehldr.en@irs.gov - Customer Contact Center: HCTC ( ) (TDD/TTY) Visit our website to download materials - (Keyword/Search: HCTC) The HCTC Information for our Partners page contains more support information for you. 15
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