Count Minnesota CCAP RSDI only above the federal SSI maximum

changelog.d/mn-ccap-rsdi-above-ssi-fbr.fixed.md

@@ -0,0 +1 @@
+Count Minnesota CCAP Retirement, Survivors, and Disability Insurance, including dependents' benefits, only above the federal maximum SSI payment, per Minn. Stat. 256P.06, subd. 3(2)(xvi).

policyengine_us/parameters/gov/states/mn/dcyf/ccap/income/countable_income/rsdi_sources.yaml

@@ -0,0 +1,22 @@
+description: Minnesota counts these Retirement, Survivors, and Disability Insurance sources under the Child Care Assistance Program, to the extent they exceed the federal maximum Supplemental Security Income payment.
+values:
+  2025-01-01:
+    # Retirement, survivors, disability and dependents' benefits; RSDI pays
+    # dependents of insured people (Combined Manual 0029.06.06).
+    - social_security
+
+metadata:
+  unit: list
+  period: year
+  label: Minnesota CCAP Retirement, Survivors, and Disability Insurance sources
+  reference:
+    - title: Minn. Stat. 256P.06, subd. 3(2)(xvi) (RSDI above the federal maximum SSI payment)
+      href: https://www.revisor.mn.gov/statutes/cite/256P.06
+    - title: Minnesota CCAP Policy Manual, section 6.6 (Earned/Unearned Income)
+      href: https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=CCAP_0606
+    - title: Minnesota CCAP Policy Manual, section 6.15.24 (Annualizing RSDI)
+      href: https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=CCAP_061524
+    - title: Minnesota Combined Manual, 0017.15.45 - Income From RSDI and SSI
+      href: https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=cm_00171545
+    - title: Minnesota Combined Manual, 0029.06.06 - Retirement, Survivors and Disability Insurance
+      href: https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=cm_00290606

policyengine_us/parameters/gov/states/mn/dcyf/ccap/income/countable_income/unearned.yaml

@@ -1,12 +1,10 @@
 description: Minnesota counts these unearned income sources under the Child Care Assistance Program.
 values:
   2025-01-01:
-    # RSDI (gross amount) — Retirement, Survivors, and Disability Insurance.
-    # Listed as components rather than the social_security umbrella, which also
-    # adds social_security_dependents.
-    - social_security_retirement
-    - social_security_survivors
-    - social_security_disability
+    # Retirement, Survivors, and Disability Insurance counts only above the
+    # federal maximum SSI payment (Minn. Stat. 256P.06, subd. 3(2)(xvi)); the
+    # sources are listed in rsdi_sources.
+    - mn_ccap_countable_rsdi
     - dividend_income
     - interest_income
     - pension_income

policyengine_us/tests/policy/baseline/gov/states/mn/dcyf/ccap/mn_ccap_countable_income.yaml

@@ -1,7 +1,8 @@
 # Tests MN CCAP countable income = gross income (earned + unearned sources)
 # minus allowable deductions, floored at zero (Minn. Rules 3400.0170 subp. 4/6a;
 # manual sections 6.6 and 6.18). The variable is monthly; annual income inputs
-# divide by 12.
+# divide by 12. RSDI counts only above the federal maximum SSI payment (Minn.
+# Stat. 256P.06, subd. 3(2)(xvi)).
 - name: Case 1, earnings only.
   period: 2026-01
   absolute_error_margin: 0.01
@@ -31,8 +32,10 @@
         members: [person1]
         state_code: MN
   output:
-    # (24,000 + 6,000 + 1,200) / 12 = 2,600 per month.
-    mn_ccap_countable_income: 2_600
+    # RSDI counts only above the 2026 federal maximum SSI payment of
+    # 994 * 12 = 11,928 (Minn. Stat. 256P.06, subd. 3(2)(xvi)), so the 6,000
+    # RSDI counts as 0. (24,000 + 0 + 1,200) / 12 = 2,100 per month.
+    mn_ccap_countable_income: 2_100
 
 - name: Case 3, income reduced by allowable deductions.
   period: 2026-01
@@ -112,8 +115,10 @@
         members: [person1]
         state_code: MN
   output:
-    # (12,000 + 6,000 + 3,600 + 2,400) / 12 = 24,000 / 12 = 2,000 per month.
-    mn_ccap_countable_income: 2_000
+    # RSDI counts above the 2026 federal maximum SSI payment:
+    # 12,000 - 994 * 12 = 12,000 - 11,928 = 72.
+    # (72 + 6,000 + 3,600 + 2,400) / 12 = 12,072 / 12 = 1,006 per month.
+    mn_ccap_countable_income: 1_006
 
 - name: Case 8, a child's earned income is not counted.
   period: 2026-01
@@ -214,3 +219,57 @@
     # The allowed cross-business offset still works: max(20,000 - 8,000, 0) =
     # 12,000 net self-employment. 12,000 / 12 = 1,000 per month.
     mn_ccap_countable_income: 1_000
+
+- name: Case 13, each member's RSDI counts only above the federal maximum SSI payment.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 40
+        social_security_disability: 18_000  # 1,500/month
+      person2:
+        age: 38
+        employment_income: 24_000  # 2,000/month
+        social_security_survivors: 6_000  # 500/month
+      person3:
+        age: 6
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: MN
+  output:
+    # Minn. Stat. 256P.06, subd. 3(2)(xvi), 2026 federal maximum SSI payment
+    # of 994 * 12 = 11,928 per recipient:
+    # person1 RSDI: 18,000 - 11,928 = 6,072.
+    # person2 RSDI: max(6,000 - 11,928, 0) = 0.
+    # (6,072 + 0 + 24,000) / 12 = 30,072 / 12 = 2,506 per month.
+    mn_ccap_countable_income: 2_506
+
+- name: Case 14, a child's RSDI above the federal maximum SSI payment counts as family income.
+  period: 2026-01
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 40
+        employment_income: 24_000  # 2,000/month
+      person2:
+        age: 8
+        social_security_dependents: 13_200  # 1,100/month
+    spm_units:
+      spm_unit:
+        members: [person1, person2]
+    households:
+      household:
+        members: [person1, person2]
+        state_code: MN
+  output:
+    # Minn. Stat. 256P.06, subd. 2 exempts only a child's earned income, so
+    # the child's own RSDI counts above 994 * 12 = 11,928:
+    # person2 RSDI: 13,200 - 11,928 = 1,272.
+    # (24,000 + 1,272) / 12 = 25,272 / 12 = 2,106 per month.
+    mn_ccap_countable_income: 2_106

policyengine_us/tests/policy/baseline/gov/states/mn/dcyf/ccap/mn_ccap_countable_rsdi.yaml

@@ -0,0 +1,146 @@
+# Tests MN CCAP countable RSDI: Minn. Stat. 256P.06, subd. 3(2)(xvi) counts
+# only the Retirement, Survivors, and Disability Insurance amount that exceeds
+# the monthly federal maximum SSI payment. Federal maximum SSI payment for an
+# individual (SSA): $967/month in 2025 (11,604/year), $994/month in 2026
+# (11,928/year).
+- name: Case 1, RSDI below the federal maximum SSI payment is not counted.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_retirement: 9_600  # 800/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # max(9,600 - 11,928, 0) = 0.
+    mn_ccap_countable_rsdi: 0
+
+- name: Case 2, RSDI above the federal maximum SSI payment counts the excess.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_disability: 18_000  # 1,500/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # 18,000 - 11,928 = 6,072.
+    mn_ccap_countable_rsdi: 6_072
+
+- name: Case 3, RSDI equal to the federal maximum SSI payment is not counted.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_retirement: 11_928  # 994/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # 11,928 - 11,928 = 0.
+    mn_ccap_countable_rsdi: 0
+
+- name: Case 4, one person's RSDI components are combined before the offset.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_retirement: 6_000  # 500/month
+        social_security_survivors: 9_000  # 750/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # (6,000 + 9,000) - 11,928 = 3,072.
+    mn_ccap_countable_rsdi: 3_072
+
+- name: Case 5, each recipient's RSDI is offset separately.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 40
+        social_security_disability: 18_000  # 1,500/month
+      person2:
+        age: 38
+        social_security_disability: 6_000  # 500/month
+    spm_units:
+      spm_unit:
+        members: [person1, person2]
+    households:
+      household:
+        members: [person1, person2]
+        state_code: MN
+  output:
+    # person1: 18,000 - 11,928 = 6,072.
+    # person2: max(6,000 - 11,928, 0) = 0; the unused offset does not carry
+    # over to person1.
+    mn_ccap_countable_rsdi: [6_072, 0]
+
+- name: Case 6, the 2025 federal maximum SSI payment applies in 2025.
+  period: 2025
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_retirement: 15_000  # 1,250/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # 15,000 - 967 * 12 = 15,000 - 11,604 = 3,396.
+    mn_ccap_countable_rsdi: 3_396
+
+- name: Case 7, RSDI just above the federal maximum SSI payment counts only the excess.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        social_security_retirement: 11_940  # 995/month
+    households:
+      household:
+        members: [person1]
+        state_code: MN
+  output:
+    # 11,940 - 11,928 = 12.
+    mn_ccap_countable_rsdi: 12
+
+- name: Case 8, a child's own dependents' benefit gets its own offset.
+  period: 2026
+  absolute_error_margin: 0.01
+  input:
+    people:
+      person1:
+        age: 40
+        social_security_disability: 18_000  # 1,500/month
+      person2:
+        age: 8
+        social_security_dependents: 13_200  # 1,100/month
+      person3:
+        age: 5
+        social_security_dependents: 6_000  # 500/month
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: MN
+  output:
+    # person1: 18,000 - 11,928 = 6,072.
+    # person2: 13,200 - 11,928 = 1,272.
+    # person3: max(6,000 - 11,928, 0) = 0.
+    mn_ccap_countable_rsdi: [6_072, 1_272, 0]

policyengine_us/variables/gov/states/mn/dcyf/ccap/mn_ccap_countable_rsdi.py

@@ -0,0 +1,31 @@
+from policyengine_us.model_api import *
+
+
+class mn_ccap_countable_rsdi(Variable):
+    value_type = float
+    entity = Person
+    unit = USD
+    label = "Minnesota CCAP countable Retirement, Survivors, and Disability Insurance"
+    definition_period = YEAR
+    defined_for = StateCode.MN
+    reference = (
+        "https://www.revisor.mn.gov/statutes/cite/256P.06",
+        "https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=CCAP_0606",
+        "https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=CCAP_061524",
+        "https://www.dhs.state.mn.us/main/idcplg?IdcService=GET_DYNAMIC_CONVERSION&RevisionSelectionMethod=LatestReleased&dDocName=cm_00171545",
+    )
+
+    def formula(person, period, parameters):
+        # Minn. Stat. 256P.06, subd. 3(2)(xvi) counts, for chapter 142E
+        # programs, only the RSDI amount that exceeds the monthly federal
+        # maximum SSI payment. CCAP Policy Manual section 6.6 annualizes the
+        # gross RSDI and deducts the SSI federal benefit rate from it; section
+        # 6.15.24 gives that rate as $967 per month in 2025, the individual
+        # rate. Combined Manual 0017.15.45 counts, for each client who receives
+        # RSDI, only the amount above the SSI standard for a household of 1,
+        # and its 09/2024 revision note applies the change to CCAP. We apply
+        # the individual rate to each recipient's own RSDI.
+        p = parameters(period).gov.states.mn.dcyf.ccap.income.countable_income
+        rsdi = add(person, period, p.rsdi_sources)
+        monthly_fbr = parameters(period).gov.ssa.ssi.amount.individual
+        return max_(rsdi - monthly_fbr * MONTHS_IN_YEAR, 0)