Originally Posted by serenbat
because other have thousand of dollars in the bank and still getting WIC or the affordable housing?
yup nothing wrong ....it's only me
WIC is based on income guidelines and does not take assets into consideration. Their income guidelines are generous enough ($35, 317 for a family of 3 and 42,643 for a family of 4. Counting a pregnant woman as two family members) that I highly doubt that anyone making near the high end of those limits is absolutely scraping by each month, relying on WIC to feed their family. WIC is a supplemental program, it only supplies $30-60/month worth of healthy foods. Perhaps you think it is wrong for my family to accept the WIC checks when we have money in our emergency savings account, but WIC doesn't think so or they would have asset limitations. Frankly, the only reason that we are able to put the money into savings is because we live so frugally and don't own a car. So the few hundred dollars that WOULD go towards a car payment/repairs/gas instead goes into a savings account.
Medi-Cal DOES have asset limitations--about $3,300 for a family of 4 I believe. However, if you have assets that exceed those limits, you are allowed to spend down your savings (or sell your property and then spend the profits) in order to dip below the limit. From the Dept of Healthcare Services website:
Your countable property must not exceed the property reserve limit. Any amount over the property reserve limit will make you and/or your family ineligible for Medi-Cal. To be eligible for Medi-Cal, you may reduce your property to the property reserve limit before the end of the month in which you are requesting Medi-Cal.
Also, we found our housing through a non-profit organization that helps families with low and moderate incomes find affordable housing. I think I might have falsely stated before that we live in Public Housing, but that was incorrect. The non-profit organization is privately owned, and it is not HUD or section 8 housing.
We do not receive any other assistance, and our family doesn't get money from TANF or food stamps or anything like that. Having another baby means we are going to get more WIC, sure. We will probably qualify for WIC for at least the first year of the new baby's life, because I can't work during the summer when baby comes. But right now we are hovering so close to the top limit for the WIC income guidelines that I doubt my family will qualify for much longer than that first year.
WIC is, by nature, a TEMPORARY program. Even if our income were stagnant and did not increase whatsoever, once our kids hit 5 we are no longer eligible. We will not be using the program for that long, as our income will go back up after the baby comes.
So, essentially, we HAVE used these programs as a temporary assistance to get us into a better position in which we will no longer qualify for anything. I'd say that for us the system has worked exactly as it is intended to work. We chose to have the baby NOW because doing so actually diminishes the amount of time that I will have to work part time, and accelerates our ability to get off all forms of aid. The alternative was to wait until I get a full-time job that is able to cover our expenses and infant childcare so that I could return to work right after having the next baby. I refuse to put my infant into daycare, and instead choose a lifestyle that involves part-time work, and lower pay, in order to raise my children myself. I suppose I can see how you might disagree with this choice, but I'm not breaking any laws or committing fraud by doing it. And the amount of assistance that my family receives is so small that, while I do feel a little conflicted about it, the fact is I am NOT gaming the system.
Edited by kitteh - 1/28/13 at 1:14pm