Fix Indiana TANF to pay the maximum benefit (IC 12-14-2-5)

changelog.d/in-tanf-maximum-benefit.fixed.md

@@ -0,0 +1 @@
+Correct Indiana TANF benefit payments to use the IC 12-14-2-5 maximum benefit and add the post-2025 gross/net income eligibility screens.

policyengine_us/parameters/gov/states/in/fssa/tanf/amount_of_assistance/additional_member_amount.yaml

@@ -0,0 +1,15 @@
+description: Indiana provides this additional amount for each assistance unit member above the maximum benefit table size under the Temporary Assistance for Needy Families program.
+
+values:
+  1997-10-01: 0
+  2024-07-01: 104
+
+metadata:
+  unit: currency-USD
+  period: month
+  label: Indiana TANF maximum benefit additional member amount
+  reference:
+    - title: IC 12-14-2-5 (amount of assistance; payment made; maximum amounts)
+      href: https://iga.in.gov/laws/2025/ic/titles/12/#12-14-2-5
+    - title: FSSA DFR - About TANF
+      href: https://www.in.gov/fssa/dfr/tanf-cash-assistance/about-tanf/

policyengine_us/parameters/gov/states/in/fssa/tanf/amount_of_assistance/amount.yaml

@@ -0,0 +1,62 @@
+description: Indiana provides this amount as the maximum benefit under the Temporary Assistance for Needy Families program.
+
+1:
+  1997-10-01: 139
+  2023-07-01: 155
+  2024-07-01: 248
+2:
+  1997-10-01: 229
+  2023-07-01: 255
+  2024-07-01: 409
+3:
+  1997-10-01: 288
+  2023-07-01: 320
+  2024-07-01: 513
+4:
+  1997-10-01: 346
+  2023-07-01: 385
+  2024-07-01: 617
+5:
+  1997-10-01: 405
+  2023-07-01: 450
+  2024-07-01: 721
+6:
+  1997-10-01: 463
+  2023-07-01: 515
+  2024-07-01: 825
+7:
+  1997-10-01: 522
+  2023-07-01: 580
+  2024-07-01: 929
+8:
+  1997-10-01: 580
+  2023-07-01: 645
+  2024-07-01: 1_033
+9:
+  1997-10-01: 639
+  2023-07-01: 710
+  2024-07-01: 1_137
+10:
+  1997-10-01: 697
+  2023-07-01: 775
+  2024-07-01: 1_241
+
+metadata:
+  unit: currency-USD
+  period: month
+  breakdown:
+    - range(1, 11)
+  breakdown_labels:
+    - Assistance unit size
+  label: Indiana TANF maximum benefit amount
+  reference:
+    - title: IC 12-14-2-5 (amount of assistance; payment made; maximum amounts)
+      href: https://iga.in.gov/laws/2025/ic/titles/12/#12-14-2-5
+    - title: 470 IAC 10.3-4-3(a)(1) (corroborates pre-2024 amounts equal to standard of need)
+      href: https://iar.iga.in.gov/code/2026/470/10.3#470-10.3-4-3
+    - title: FSSA SNAP/TANF Transmittal 2024 (Section 3050.10.00, maximum benefits effective 7/1/2024)
+      href: https://www.in.gov/fssa/dfr/files/SNAP-TANF-Transmittal2024.pdf
+    - title: FSSA SNAP/TANF Program Policy Manual, Section 3050.10.00
+      href: https://www.in.gov/fssa/dfr/files/3000.pdf#page=7
+    - title: CBPP TANF benefit levels (corroborates 2023-07-01 increase)
+      href: https://www.cbpp.org/research/income-security/continued-increases-in-tanf-benefit-levels-are-critical-to-helping

policyengine_us/parameters/gov/states/in/fssa/tanf/amount_of_assistance/max_table_size.yaml

@@ -0,0 +1,14 @@
+description: Indiana sets this as the largest assistance unit size in the maximum benefit table under the Temporary Assistance for Needy Families program.
+
+values:
+  1997-10-01: 10
+
+metadata:
+  unit: person
+  period: year
+  label: Indiana TANF maximum benefit table size
+  reference:
+    - title: IC 12-14-2-5 (amount of assistance; payment made; maximum amounts)
+      href: https://iga.in.gov/laws/2025/ic/titles/12/#12-14-2-5
+    - title: 470 IAC 10.3-4-3(a)(1)
+      href: https://iar.iga.in.gov/code/2026/470/10.3#470-10.3-4-3

policyengine_us/parameters/gov/states/in/fssa/tanf/eligibility/initial/gross_income/fpg_rate.yaml

@@ -0,0 +1,16 @@
+description: Indiana limits initial applicants' gross income to this share of the federal poverty guideline under the Temporary Assistance for Needy Families program.
+
+values:
+  1997-10-01: .inf  # No gross income screen before 2025-07-01 (standard of need governs)
+  2025-07-01: 0.35
+  2027-07-01: 0.5
+
+metadata:
+  unit: /1
+  period: month
+  label: Indiana TANF initial eligibility gross income FPG rate
+  reference:
+    - title: IC 12-14-1-1.7(b)-(c) (35% FPL through June 30, 2027; 50% FPL after)
+      href: https://iga.in.gov/laws/2025/ic/titles/12/#12-14-1-1.7
+    - title: FSSA DFR Chapter 3000, Section 3010.15.00 (gross income standard)
+      href: https://www.in.gov/fssa/dfr/files/3000.pdf#page=4

policyengine_us/parameters/gov/states/in/fssa/tanf/eligibility/initial/net_income/maximum_grant_rate.yaml

@@ -0,0 +1,13 @@
+description: Indiana limits initial applicants' countable net income to this share of the maximum benefit under the Temporary Assistance for Needy Families program.
+
+values:
+  1997-10-01: 0  # Standard of need governs initial net income before 2025-07-01
+  2025-07-01: 1
+
+metadata:
+  unit: /1
+  period: month
+  label: Indiana TANF initial eligibility net income maximum benefit rate
+  reference:
+    - title: FSSA DFR Chapter 3000, Section 3010.15.00 (net income standard equal to the maximum grant)
+      href: https://www.in.gov/fssa/dfr/files/3000.pdf#page=4

policyengine_us/tests/policy/baseline/gov/states/in/fssa/tanf/benefit/in_tanf_maximum_benefit.yaml

@@ -0,0 +1,79 @@
+# Tests for in_tanf_maximum_benefit (amount of assistance, IC 12-14-2-5)
+# Maximum benefit by assistance unit size across the 2023 and 2024 increases.
+
+- name: Family of 2 pre-2023 amount
+  period: 2022-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 2
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 229
+
+- name: Family of 2 January 2024 still pre-July-2024 amount
+  period: 2024-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 2
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 255
+    # 2023-07-01 amount; the 2024-07-01 increase is not yet effective
+
+- name: Family of 2 January 2025 increased amount
+  period: 2025-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 2
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 409
+    # 2024-07-01 amount (IC 12-14-2-5)
+
+- name: Family of 2 January 2026 amount
+  period: 2026-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 2
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 409
+
+- name: Family of 3 January 2025 amount
+  period: 2025-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 3
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 513
+
+- name: Family of 10 January 2025 amount
+  period: 2025-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 10
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 1_241
+
+- name: Family of 11 January 2025 adds one additional member increment
+  period: 2025-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 11
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 1_345
+    # Size-10 amount ($1,241) + $104 for the 11th member
+
+- name: Family of 11 January 2024 has no additional member increment
+  period: 2024-01
+  absolute_error_margin: 0.1
+  input:
+    spm_unit_size: 11
+    state_code: IN
+  output:
+    in_tanf_maximum_benefit: 775
+    # Before 2024-07-01 the additional member amount is $0, so size 11 is
+    # capped at the size-10 standard-of-need amount ($775)

policyengine_us/tests/policy/baseline/gov/states/in/fssa/tanf/edge_cases.yaml

@@ -138,7 +138,7 @@
   period: 2024-01
   input:
     in_tanf_eligible: true
-    in_tanf_payment_standard: 320
+    in_tanf_maximum_benefit: 320
     in_tanf_countable_income_for_payment: 319
     state_code: IN
   output:
@@ -164,4 +164,4 @@
         state_code: IN
   output:
     in_tanf: 255
-    # Capped at payment standard for family of 2 ($255), not inflated
+    # Capped at the maximum benefit for family of 2 ($255), not inflated

policyengine_us/tests/policy/baseline/gov/states/in/fssa/tanf/eligibility/in_tanf_countable_income_eligible.yaml

@@ -164,3 +164,148 @@
     in_tanf_countable_income_for_eligibility: 586.7
     in_tanf_countable_income_eligible: true
     # Countable ($586.70) < 100% FPL for 3 (~$1,988/mo) -> eligible
+
+# Post-2025 initial eligibility (IC 12-14-1-1.7; FSSA 3010.15.00).
+# Initial applicants must have countable net income below the maximum grant
+# and gross income at or below 35% FPG (50% from 2027-07-01). For Indiana the
+# net (maximum grant) standard binds before the looser 35% FPG gross screen.
+
+- name: Applicant family of 3 just below the maximum grant net standard in 2026
+  period: 2026-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_unearned_income: 512
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: false
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_for_eligibility: 512
+    in_tanf_countable_income_eligible: true
+    # Net ($512) < maximum grant ($513); gross ($512) <= 35% FPG ($777) -> eligible
+
+- name: Applicant family of 3 at the maximum grant net standard in 2026
+  period: 2026-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_unearned_income: 513
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: false
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_for_eligibility: 513
+    in_tanf_countable_income_eligible: false
+    # Net ($513) >= maximum grant ($513) -> not eligible (strict less-than)
+
+- name: Applicant family of 3 below the maximum grant net standard in 2028
+  period: 2028-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_unearned_income: 500
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: false
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_eligible: true
+    # Net ($500) < maximum grant ($513); gross ($500) <= 50% FPG ($1,165) -> eligible
+
+- name: Applicant family of 3 high earner fails both 2026 screens
+  period: 2026-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_earned_income: 3_000
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: false
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_eligible: false
+    # Net ($2,910 = $3,000 - $90) >= maximum grant and gross ($3,000) > 35% FPG
+
+- name: Enrolled family of 3 below 100% FPG in 2026 remains eligible
+  period: 2026-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_unearned_income: 2_000
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: true
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_eligible: true
+    # Enrolled: countable ($2,000) < 100% FPG for 3 ($2,220.83) -> eligible
+
+- name: Enrolled family of 3 above 100% FPG in 2026 loses eligibility
+  period: 2026-01
+  input:
+    people:
+      person1:
+        age: 30
+        tanf_gross_unearned_income: 2_300
+      person2:
+        age: 10
+      person3:
+        age: 8
+    spm_units:
+      spm_unit:
+        members: [person1, person2, person3]
+        is_tanf_enrolled: true
+    households:
+      household:
+        members: [person1, person2, person3]
+        state_code: IN
+  output:
+    in_tanf_countable_income_eligible: false
+    # Enrolled: countable ($2,300) >= 100% FPG for 3 ($2,220.83) -> not eligible